vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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: AZ

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid

Company response to consumer: Untimely response
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I paid {$6000.00} to XXXX XXXX XXXX XXXX XXXX to repair my car on X/XX/2017. using my Discover Credit card check ( # XXXX ), Two weeks before i went to go pick up my car, I told the owner i will be coming to get my car and he said okay. When the time came, he did n't pick up his phone after I tried calling him many times and when i went to his shop, it was closed. Later, I found out the owner of this place shut down the shop. I was able to retrieve my car from the towing company and found out my car was never repaired. I filed a dispute with Discover Credit card company in the amount of {$6000.00} ( claim # XXXX ) in regards to the mechanic not repairing my car. However, the Account manager refused this dispute because they stated it was a balance transfer so it does not qualify for a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.

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 2017-09-15 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: FL

Complaint narrative:
I have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I was told I could not get modification ok.so I was read on XXXX XXXX XXXX web hardest hit funds programs and XXXX XXXX XXXX home equity assistance or and repayment plans of up to 12 months to help catch up on a past due payments and I was not told about this forbearance I can do that all so I did not no they had all these programs I only no about the modification program I found this on XXXX XXXX XXXX web I do n't need my payment to be reduce i can pay that and all so and extra {$500.00} a month to caught up I 'm out of work because I was XXXX by a lady and she was very XXXX and that why I 'm out of work these last four year I ben having not such good luck first I had XXXX XXXX and I beat that thank to XXXX and now XXXX XXXX XXXX XXXX and both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have XXXX XXXX XXXX XXXX I did not ask for this. all I 'm ask for to be able to pay a full note and {$500.00} extra thank u

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A NAVY FEDERAL CREDIT UNION ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX  YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
Equifax 's negligence in securing my personal information against external sources has cause my personal information to be released to the world without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements/documents on how this alleged debt was calculated. There is no need to state the law as I 'm sure you 're aware of both our rights under the FDCPA and FCRA. I await a prompt resolution to this matter. Also consider this my formal request for validation considering this is our first time communicating.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. XXXX has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to XXXX, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from XXXX to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXXor XX/XX/XXXX. And XXXX XXXX who took over XXXX verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: UT

Complaint narrative:
I was notified that there was an Equifax data breach. I punched in my SSN into their website and discovered that I was a victim. I have since spent hours upon hours searching through my personal information and researching how to protect myself. And the end is n't far from near. I 'm XXXX XXXX for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On X/XX/2017, I went on to https : //www.transunion.com/ to find a means to access my TransUnion credit report . I was prompted to create an user account on https : //www.transunion.com/. I was notified through email that I had signed up for a credit monitoring service for {$19.00} per month excluding taxes. In total, I was charged {$21.00} per month including taxes. During the account creation process, no mention of signing up for the credit monitoring service was made. Upon finding out this erroneous charge, I looked to cancel the credit monitoring service. I was able to cancel the subscription service within minutes. However, I was still billed {$21.00}. I am seeking a full refund for this fraudulent charge of {$21.00} and will be writing to my state 's Attorney General 's office about TransUnion 's misleading and predatory account creation process.

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 monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian data breach revealed a number of addresses in their file which they called residential of mine but were actually workplaces, my former wifes address, etc. they alsoreessed a huge number of reports on me despite a freeze I requested due to a data breach at a prior employer. I am noe being turned over to collection agencies and I want it to stop.

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 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am a XXXX person. I had a XXXX XXXX. I have had to take a different job that pays me less than my original job. I have asked Wells Fargo for help in lowering my payments. They continue to refuse to help me even though I am eligible under HAMP rules. They are discriminating against me because I am XXXX. They are breaking ADA laws and are trying to get away with it. They are trying to force a XXXX person out of their home. They would rather see a XXXX person on the street then give them a lower payment that they can afford.

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 2017-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After the fraud was uncovered at Equifax - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. Equifax just plain makes their web site inoperative. I need an answer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.

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 2017-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.

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 non-monetary relief