vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Budget Planners of South Florida, Inc
State: MO

Complaint narrative:
About a year and a half ago I contacted an outside company regarding my student loan. I was trying to get my amount lowered due to financial difficulties. They explained to me that they would take care of all necessary paperwork every year and it would only cost me {$39.00} a month which would be added to my monthly payment. I 've had to contact them regarding the paperwork because they have not stayed on top of it. I was also informed that they should not be charging me a fee to do what is basically free. This is not something that I was aware of until recently. Unfortunately there has been no paperwork for me. Nothing that states what I am paying and what the amounts are going towards. The only paperwork has been my pay stubs that I have submitted to them for income verification. I am, however, attaching a copy of my bank withdrawals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27 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: OR

Complaint narrative:
Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I received a message on my XXXX account saying I was pre-qualified for this card. I received a hard pull on my credit report, which resulted in my credit score dropping several points. I was denied, DESPITE the link saying I was pre-qualified. I would NEVER have applied for this credit card if it had n't told me I was pre-qualified, because I do not like getting hard pulls that lower my credit score only to be denied.

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 2017-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a second complaint agains Wells Fargo. I am not getting the documents as promissed. I spoke to a representative yesterday and told me they sent the wrong cover sheet to XXXX, where the correct doments need to be recorded. Please help since this keeps delaying my equity loan. 

Thank you so much in advance for your help. 
regards, XXXX 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 non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I made a call to Equifax today XXXX XXXX/XXXX/XXXX XXXX to request a copy of my credit report. For over a year now I have been unable to request my Equifax credit report using the Equifax website. The problem is with the challenge questions that are presented that must be answered correctly. The 4 questions do not represent information on my credit report, nor do they represent any accounts in my credit history. When I asked the Equifax customer service representative about this he stated that the questions are pulled from a central system, not the credit report. There is no way to successfully answer the questions since they do not apply to the requester.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: MD

Complaint narrative:
On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XX/XX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XX/XX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XX/XX/XXXX & XX/XX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 2017-09-27 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: CA

Complaint narrative:
To Whom It XXXX Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers XXXX : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX & XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: FL

Complaint narrative:
hi my name is XXXX. I have a paypal account in my name as previously stated. I currently opened a paypal account to receive funds from my daughters father. ( we are not married or live together ) I only use paypal to make small online purchases like kids school uniforms, groceries, etc..and to receive money for my daughter.I opened my account on XXXX XXXX and XXXX XXXX they limited the access to the account with no further information posted only to call them. I called them and refused to give me any further information besides that my paypal account is limited and I asked repeatedly for answers on when my funds will be released. AGAIN THESE FUNDS ARE LEGAL FROM MY DAUGHTERS FATHER AND HAVE BEEN CLEARED BY PAYPAL. yet they want to hold them and make me responsible for his paypal account in bad standing. we do n't have the same last names, we are not legally married, we do n't live together so what does that have to do with freezing my account and the availability to withdraw my funds if this paypal account is solely mine. this is illegal to do so. I will be filing complaints electronically and on paper certified in the state of florida with the attorney generals office, the bbb and the united states federal reserve since paypal is n't a bank these complaints are looked into by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

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 2017-09-27 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: KY

Complaint narrative:
On XXXX XXXX 2017, I contacted Equifax and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XXXX XXXX, 2017. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sick and tired of your bureaucratic methods of deleting an item that is in VIOLATION of the FCRA. Your investigation is taking longer than 60 days. YOU MUST DELETE XXXX/XXXX XXXX XXXX from my credit FORTHWITH. THE VIOLATION IS CLEAR. I am preparing a defamation lawsuit against EQUIFAX. Your auto reply XXXX  is a disaster and a disgrace to the American people. You violate the law and get away with it. This is my last communication before my lawsuit. DELETE THE ITEM. You are preventing me from getting a job to support my family. The media is going to hear about this in the mainstream.

Company response to consumer: Closed with non-monetary relief