vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent Bank of America a payment for XXXX that is still missing. They also told me they would not charge me cash advance fees during this process. They are useless and have not resolved either matters

Company response to consumer: Closed with 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.

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: CO

Complaint narrative:
Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
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: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I check my credit report every month and i just saw this company report to XXXX and XXXX that I owe a debt to this company. There was no phone number, info of the date or whatever on my credit report except an amount of XXXX dollars. i called them and they asked me for all my info, Birth date, social, address, ect.. I gave it to them. they said that they were collecting for a payday loan that was requested in my name in XXXX 2013, I told them that this was not me. I asked for more information and they told me that the only info they had was from the payday loan company was " word '' of mouth that this was my debt and that i needed to get a police report and send to them that it 's a fraudulent charge. They do n't have any other information to give me. i asked them to verify with the original company anything that states this was mine and they said they did n't have anything other than " word '', so i 'm supposed to call the police dept and say that someone used my name 4 years ago??? really? I had no phone calls, nothing from this so called payday loan company. The CSR agent was rude to me and accused me of lying about this. I am so blown away that something like this is able to happen.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&L Acquisitions LLC
State: AZ

Complaint narrative:
I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NE

Complaint narrative:
We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.

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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have contacted PayPal several times 3 times on XX/XX/XXXX with regard to changing the name they have listed on a business account. PayPal allowed one of my employees to open the account for the business, but listed the employees name as the owner of the account. 

When contacting PayPal, they refused to change the name on the account even when provided with information on the owner of the business would know. They allowed opening of the account without verifying the same information they have requested me to provide. 

The requested information was : 1 ) Letter on company letterhead dictating the request.
2 ) Photo ID - driver 's license 3 ) Social Security Card 4 ) Company documents ( certificate of organization, letter from bank, etc ) The requested information was provided via fax to XXXX. I verified the number as I was nervous sending such sensitive documentation via fax as it could be used for identity theft. The agent verified this as the correct fax number. 

I contacted PayPal again today ( XX/XX/XXXX ) as I had not heard any response. I was today informed that the fax number should have been XXXX. The agent apologized, but informed me there was nothing that could be done and insisted the error must have been on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I set up a payment agreement for {$50.00} a month in XX/XX/XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XX/XX/XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.

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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.

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
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to send documents to Transunion to a fax number they gave me : XXXX for three days. I have used the resend button on my office fax machine so that it continues trying to send, to no avail. I even walked to XXXX 's to try their fax equipment, as well as my IT department, who said a credit agency 's fax should be set up to accommodate consumers. 
To get through to Transunion, there is usually a wait time of about 45 minutes before you get an agent on the line, who, by the way, is in a call center outside the US. The first time I spoke to one, he said he had a lot of static on the line and could n't hear me. I had to try again and wait yet another 30 minutes. They are very brusque, quite rude in fact, and told me that I must keep trying that fax number because there 's nothing they can do about it. Meanwhile, I have a very time sensitive and expensive situation on my hands. 
I legally changed my name, a very simple change, such as, ( and this is an example, not my real name ) from XXXX to XXXX. The middle initial and surname remain the same. Since I am in the process of purchasing another property, a credit report will be generated but it will have my " old '' name and not the one on my bank accounts, ID or credit cards. Hence the urgency with which I need this handled. 
For XXXX and XXXX it was a breeze ; for XXXX, you simply go to their website and upload the documents and for XXXX you send the paperwork to an email address. Transunion remains in the stone ages -- who uses a fax machine anymore? 
This is shameful and an egregious example of how credit agencies impact our lives -- we are at their mercy, yet when we try to consult with them to rectify things, they fail miserably.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
As of XX/XX/2017, I have attempted to access my Equifax Credit Report Security Freeze, on-line and through their toll free number. I have been unable to process my request beyond the initial information page ; which results in notices of Unable To Process Request, Page Not Available or Security PIN Invalid. When attempting to use hyperlink for Contact US, this results in Invalid Page error. When attempting to use toll free number, this results in Service Not Available notice, after all personal information has been entered. 

There is NO available means to resolve any of the concerns, as provided by Equifax since announcement of their Security Breach.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX 2017 Equifax got hacked and gave away social security numbers, drivers licenses and addresses. resulting in identity theft

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: Incorrect information on your report — Account information incorrect
Company: Clark County Collection Service
State: IL

Complaint narrative:
After the XXXX breach, I check my reports daily until the alerts are placed on them. I noticed a new derogatory collection account. The name is Clark County XXXX XXXX XXXX. First of all, this debt was originally with XXXX XXXX XXXX of which an agreement was reached after I filed a complaint regarding their collection actions. I informed XXXX XXXX XXXX that I had a medical emergency in my family where my sister was comatose for 8 days and hospitalized for 53 days. XXXX did n't cover most of the medications, devices, special equipment, etc., that would keep her alive and give a better quality of life. My family and I had to come out-of-pocket for those expenses which cost us thousands of dollars. I called XXXX XXXX XXXX and asked them could they forgive the debt due to this critical situation. XXXX XXXX XXXX no longer contacted me after midXXXX. I looked at my credit report in mid-XXXX, and saw the balance owed at {$0.00}. I assumed XXXX XXXX XXXX forgave the debt as I had asked due to my dire situation. When I looked at my credit report today, I see this collection account from Clark County Collection, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. I 've never heard of nor received any type of correspondence from this company. Just the negative information on my credit report. I tried to phone Clark County of which the phone just rings endlessly and no one ever answers the calls. I 'm trying to purchase a home and need this negative information removed immediately. Your prompt attention regarding this matter would be greatly appreciated.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

Company response to consumer: Closed with explanation