vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: OR

Complaint narrative:
A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [  my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX  deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was/am a victim in equifax credit information breach. Per equifax ' web check system my information was compromised. On XXXX/XXXX/XXXX I was given a future date of XXXX/XXXX/XXXX to enroll in trusted prime ID. A full 5 days after they *acknowledged* my personal information was compromised. 
I have put a fraud alert on my account for the next 90 days but have no idea what the far reaching impact of this will be. The cost for ongoing credit monitoring, the tangle of time for future paperwork/procedure processing. Those are the " easy '' things I 'm going to have to deal with. The cost and time-suck should my information be used is unimaginable to me. 
The exposure of my most vital personal information is my worst nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Based on my most recent credit report, NCB Management Services has been reporting a collections amount of {$11000.00} which is for a XXXX XXXX that was repossessed by XXXX XXXX XXXX. 

On my credit report, XXXX XXXX XXXX reported the account CLOSED as of XX/XX/XXXX ( said XXXX XXXX was repossessed in XX/XX/XXXX ). 

NCB Management Services nor XXXX never reached out to me to inform me of the collections and though the account is closed with XXXX XXXX XXXX, NCB Management Services has never contacted me via mail, email, text nor phone regarding this account. 

NCB Management Services continues to report the account to the 3 major credit bureaus in order to keep that account current and longstanding. 

In an effort to purchase a home, this has been a major issue with the underwriters. 

I wrote a letter to the 3 major credit bureaus to verify the account and it validity and the remarks were unfavorable because at no point was it stated how the account was verified. 

Thank you for kind assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

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 2017-09-11 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: CT

Complaint narrative:
In the wake of a massive data hack, equifax is offering limp consumer protections for free while charging high rates for actually effective tools, like credit report freezing. Currently they are charging triple the rate that XXXX charges for a freeze. They are overtly profiteering off of their own grievous negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NV

Complaint narrative:
This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
My data was part of the Equifax data breach. An unknown entity now has my information due to Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TX

Complaint narrative:
Equifax is the XXXX XXXX. You do n't get to be the reason credit information gets stolen and also charge people XXXX $ to free their credit! This is madness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB Complaint Re WELLS FARGO BANK ( aka ASC ) In attempt to utilize the Government H.A.R.P. program, we were diverted by Wells Fargo / ASC, or rather coerced into using what they characterized as their " in house '' H.A.R.P. program to refinance the house XXXX instead of using H.A.R.P. We were not aware that there was a difference in HARP Program. In doing this, WF/ASC did not make clear to us that they changed the terms of the loan to a 38 year loan which was n't the length of original loan. A fact neither of us realized until recently when we tried to refinance the house at a lower rate. Our recent attempts ( XXXX XXXX ) to refinance the house by contacting various lending institutions has been met with the response that no lending institution " would touch a 38 yr. loan ''. We never had an interest in a 38 yr. loan. 

Wells Fargo, being a lending institution, can not help but know that when they coerced us into this loan that no one would agree to refinance the loan, and they knew that when they coerced us away from the Government H.A.R.P. program and to a Wells Fargo in house program when the loan was taken out. 

We 're finding out how bad this loan is from other financial institutions. Wells Fargo could have disclosed to us the pitfalls of this loan when we could have made an informed decision ( back then ). When Wells Fargo did this loan, they did n't make a full disclosure of what we are now finding out from other banks/lending institutions. Throughout the initial process various Wells Fargo officials were suggesting to us that " down the road '', we could refinance this loan, at a later date. 

We believe that Wells Fargo set us up to fail so they can foreclose on the property. We recently attempted ( XXXX XXXX ) to do a MODIFICATION with Wells Fargo and we were denied. We also inquired about REFINANCING and we were DENIED again. Based on their requirements, depending on the loan type, we would have to ( 1 ) come up with about {$15000.00} at the end of closing or ( 2 ) we need to have one years worth of payments in the bank ( {$3900.00} X XXXX = XXXX ) before they would consider refinancing. Since all of our accounts are in WFB, they know we dont have that amount of money. 

Please, we need HELP. When the loan was first modified, the payments were {$2700.00} per month, NOW, the payments are {$3900.00} per month. All we want are lower monthly payments and to be out of this predatory loan Wells Fargo got us into. We feel we have been taken advantage of in a major way. 

Thanks IF ANY DOCUMENTATION IS NEEDED, WE WILL PROVIDE IT AT YOUR REQUEST.

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 2017-09-11 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: MO

Complaint narrative:
I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I can not access my credit report because it is confusing me with my twin brother. XXXX, experian, and XXXX have not helped me at all.

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 2017-09-11 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: NJ

Complaint narrative:
My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I made an on-line payment to Plaza Home Mortgage as an additional principal payment to my mortgage with a posting date of XX/XX/XXXX. On XX/XX/XXXX, I decided to cancel the payment. I attempted to cancel via the website but was unable. I called customer service and the agent stated that he was unable to cancel the payment as there is only a four hour window where I was able to cancel. 

In the past I had previous poor experiences with Plaza including, but not limited to, providing incorrect addresses for insurance billing which nearly resulted in my insurance being cancelled and not properly filing copies of my insurance which resulted in Plaza threatening to initiate a policy of their choosing, despite the fact that four copies of my insurance were previously provided. In my previous complaint, Plaza took no responsibility for their errors and even made hints that the problems were my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in 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 2017-09-11 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: Coastal Credit, LLC
State: FL

Complaint narrative:
I NEVER SOLICITATED LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

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 2017-09-11 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: MN

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently learned that my protected personal financial details including SSN, account information, address details, and more were improperly disclosed by Equifax on or about XXXX XXXX 2017. Equifax, by its own admission, disclosed this information to one or more parties who breached Equifax 's apparently paper-thin and entirely inadequate IT security protections.
Solely because of Equifax 's negligence in implementing and maintaining IT security protections, an alarming amount of my personal information is now available in public for criminals and others to misuse. I am extremely concerned about identity theft, financial fraud, and impacts to my businesses as a direct consequence of Equifax 's significant and profound negligence. 

It is crucial to appreciate that the impacts of this improper disclosure will last the rest of my life because the information Equifax improperly disclosed includes aspects of my life I can not readily or reasonably change, such as my SSN and physical addresses. When one combines that information with the information of my parents and wife ( which was also all disclosed ) you have a Perfect Storm for identity theft and fraud. 

It is alarming that Equifax failed to report or provide any information about this improper disclosure until six weeks after they became aware of it. They should have done their duty and timely informed consumers and law enforcement. In that basic responsibility they also failed. Worse : in the interim, it is reported that multiple Equifax executives sold company stock worth almost {$2.00} million dollars. All of that demonstrates Equifax 's true motivations and values : first they imperil consumers through their own gross negligence and then they reward executives who knew or should have known better - and who should have prevented the disclosure in the first place.
I Implore the CFPB to act decisively in this matter. By media reports, more than 140 million US citizens have been injured by Equifax 's failures.

Company response to consumer: Closed with explanation