vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-22 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: WA

Complaint narrative:
ON XXXX I CALLED XXXX XXXX XXXX CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE ONE XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE EQUIFAX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT ONE I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF EQUIFAX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A MANAGER AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: CITIBANK, N.A.
State: WA

Complaint narrative:
ON XXXX I CALLED XXXX XXXX CREDIT CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE XXXX XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE XXXX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT XXXX I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF XXXX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A XXXX AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

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 2017-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.

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 2017-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: FL

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name

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 2017-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received your second letter and am not surprised to find no new information to support your allegation of my debt. 
Therefore let me re-state the situation. I have always paid for my XXXX XXXX XXXX purchases by cash, check or my credit card, never a credit card issued by XXXX XXXX for XXXX XXXX XXXX. 
The XXXX letter you enclosed is incorrect stating my address. I have never lived there. Wonder what else is incorrect. 
The XXXX XXXX number as said before was never requested, therefore is not valid. Until a responsible third party provides proof that card number was requested, issued and used, there is no additional discussion. 
Given XXXX recent FDIC consent agreement or XXXX XXXX XXXX customers reputation, either is suspect of misdeeds. The recent XXXX XXXX situation validates those possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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 have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & E Futures LLC
State: TX

Complaint narrative:
I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: KS

Complaint narrative:
XXXX XXXX, XXXX - I twice attempted to start a credit freeze with Experian on my credit report. Experian declined to provide me with a security freeze on my credit report. They failed to provide a reason for their denial. They indicated I was required to submit a police report or complaint of fraud violation. They were not helpful in providing me with information or facilitating my attempts to freeze my credit report. 

I was successful in freezing my credit report with XXXX  and XXXX XXXX with no issues.

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 2017-10-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. 

I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: AZ

Complaint narrative:
I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: UT

Complaint narrative:
I went to the bank with my father to open an account. The bank informed me that my father 's Bankruptcy is showing under my social security number at Equifax. I sent a dispute with a copy of my social security card and passport. I also sent a copy of the bankruptcy showing it belongs only to my XXXX year old father with the same name, different social security number, different birth date and year, different place of birth. Equifax replied that the Bankruptcy belonged to me, no notes on the investigation, no explanation of why. Just that they will continue reporting that it belongs to me. They did not take into account any actual proof that we are two totally different people with a totally different identities, lives, or personal history. Also that I could have no possible credit history as a minor ( XXXX year old ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX Navient place my loan in deferment until XXXX XXXX, XXXX without my authorization. During this deferment period my loan will continue to acrue interest and my unpaid interest will be added to the capital to form a new capital. Can I please get some help in resolving this issue? Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. 


XXXX 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 explanation
Consumer complaint received 2017-10-23 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: IL

Complaint narrative:
On XX/XX/XXXX, 2014 we had a fire disaster in our Apartment Unit at XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. XXXX XXXX   XXXX XXXX destroyed because of the disaster. I contacted XXXX about the disaster and the damage. They temporarily put a stop on services and got reconnected service two months later when we moved into our new Apartment. 

I never had any more communication with XXXX on the damaged modem which was because of the disaster. 

In reviewing my Equifax Credit Report i found out that the modem is listed as derogatory mark. I have tried several times to get this matter resolve with XXXX to no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I 've been going around in circles with this XXXX mortgage company, Carrington Mortgage about a loan modification. We 've been denied once, just recently, with the excuse that I said I was unemployed on the application. The people with Carrington do n't have any answers as far as what the requirements are for the modification and I 'm just exhausted going around in circles with these XXXX. They keep deferring everything to their underwriters but this has caused my Mom and I so much XXXX  wondering what 's going on. We need someone to advise us of our rights and what the parameters are for getting the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TX

Complaint narrative:
I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation