vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attempted to place a security freeze with Experian, and they refuse to do so. 

I 'm able to view my report on their website so they 've confirmed who I am, but when I attempt to place a freeze they say that they can not confirm who I am. 

Their only provided option is the service that they provide for $ XXXXmonth which is {$1600.00} over the life of a 7 year freeze, though in my state it should be free. 

Their phone system also constantly cuts me off when attempting to place said freeze as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
Transunion : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am part of the 2017 exquifax security breach in california

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I was wired XXXX from my Chase account to XXXX XXXX XXXX for a new investment account. Our email correspondence was hacked. I sent my money to XXXX to a XXXX XXXX account in XXXX XXXX. It ended up being wired to a XXXX XXXX Bank in XXXX. On XXXX XXXX, I learned that XXXX never got the money. I learned that XXXX had never sent me that email a hacker had interrupted the email stream. XXXX XXXX called XXXX XXXX because they hold NO accounts at XXXX XXXX. XXXX XXXX confirmed there is no XXXX XXXX XXXX account nor do any of the officers of XXXX XXXX. The wire went to an individual not associated with XXXX. XXXX said that is a violation of anti money laundering laws put in place after XXXX. XXXX XXXX should have kicked the money back from the wire. XXXX XXXX has refused to return the money. I called Chase, FTC, credit companies, XXXX, OCC, and the Texas Banking Commission to help get my money back. Chase initially closed the investigation but recently re-opened a global investigation due to a local branch manager. However, Chase will not give me a case number or a number to call to follow up. I have a police case open as well but again have not heard back. XXXX XXXX XXXX is willing to share its findings with any investigator. XXXX also had the FBI look at the hack from their end. I would like XXXX XXXX and Chase to be held responsible for returning my money as they did not do due diligence when the wire was sent. 
Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal data was collected and resold without my permission for profit by XXXX, yet XXXX failed to secure this most critical of personal data from being stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. 

During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. 
They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. 

My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. 

My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. 

Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC
State: OK

Complaint narrative:
I started receiving calls from the number around XXXX XXXX. There would be a human speaking and then they would pause and a robot voice would say my name. They claimed to be collecting a debt or carrying out a " business matter '' with me. After my father and brother receiving calls about this I decided I should call. I called only to be berated and attacked when I would call. I would ask for their name, company name, address, and a license number which depending who I talked to said I had to confirm my information first. I finally was given an address of XXXX XXXX XXXX, XXXX, NY XXXX. I looked up the address to find nothing of the sort existed. The person I was speaking to after yelling over me for several minutes said he would put in my file that they would not contact me, but that they would continue to contact my family. I asked if I could speak to someone and he transferred me to a " QA Department '' which was just a voicemail box it seemed. I called back and asked to speak to a person rather than a machine and he began yelling again and then threatened to file harassment charges if I did n't stop calling and hung up. About 15 minutes later a " supervisor '' called me and said he was there to help since I was n't satisfied with the service. I asked for him for an address ... .he stumbled around for several seconds as I could hear a voice similar to who I was on the phone with before saying the fictional address. He said his monitor was broke and then stumbled through the rest. Finally he said the zip code and then said " oh actually it is ... '' and changed it to something completely different. I told him I would like to be removed from being called along with my family and he informed me in an irritated tone that I would be by close of business and any legal action that could be pursued would be pursued and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. 

I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. 

Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. 

During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. 

The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. 

I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. 

**Please note that some of the documents are password protected. The password is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief