vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 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:
I have been in the process of temporarily unfreezing my credit with all 3 CRA 's. I was able to unfreeze XXXX and XXXX  without an issue, I simply entered my Pin/Password which was created initially to freeze my account. I did the same with Equifax and was given this response, ( see attached photo ) This prompted me to reach out to Equifax over the phone to see what the issue was. The representative told me i needed to send a cover letter with my personal information such as name, date of birth, security number to an general email bucket at Equifax in hopes to unfreeze my credit even though i gave them all of that information verbally. I am EXTREMELY hesitant of doing this for many reasons. I was able to unfreeze my credit with the other 2 CRA 's without an issue. I do not trust Equifax and feel like they are taking advantage of me the consumer. They always ask for irrelevant security questions such as " what is the balance of your credit card '', which is confusing because i have multiple cards and do not indicate which one they are referring too. They never clarify which card, or whether they want the last posted balance or current balance! Every time i answer they tell me i failed the security question and need me to send my personal information in the form of a cover letter to their random email bucket. It's infuriating that this CRA is requesting me to send my personal information in such a reckless manner when they have a track record of not being able to secure their consumers personal information. I would really appreciate some intervention from the CFPB to help, I understand the security measures of verifying my credentials but their process does not seem secure nor safe. 



Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were unable to lift your security freeze. In order to temporarily lift the security freeze please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information along with a social security card or paycheck stub showing the social security number to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX or fax the documents to ( XXXX ) XXXX. The consumer may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. 

Is this the normal process for a consumer to lift a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My wife XXXX XXXX has been dealing with BofA for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED 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 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
A year ago I took out a fixed auto loan with Wells Fargo. There are no pre-payment penalties for this loan. The minimum payment due each month is {$220.00}. I have paid more than the minimum payment due several times ( more often than not, sometimes as much as {$100.00}, each time writing on the check " please apply remaining balance directly to principal. '' However they have continually applied my over-pay amount to the following month 's in minimum due ( thus reducing my minimum payment for the following month. ) I still continued to pay more than the minimum due, and this cycle continues to this day. I assumed that eventually this will even itself out by reducing the amount of time it will take me to pay off this loan. 

This morning I thought it best to call Customer Service to verify this instead of assuming. The representative stated that this was not the case. Since I pay via Bill Pay ( through Wells Fargo online ) they do not process this pre-payment request, early principal payments can only be made by signing up on their Auto Pay Program. I once again reviewed the back of the statement and there's nothing indicating that this is required. In fact, all of my other creditor 's are able to accommodate my payment overage 's via bill pay without a problem. 

I feel that this is deceptive in that I reviewed the " Payment Options '' section of the back of the statement prior to pre-paying any of my principal and their " special '' requirement was never disclosed. 

Very deceptive!

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card got stolen and I called chase to report it. Now they are telling me all my accounts are closing and I am no longer allowed to bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Auto Title Loans, LLC
State: AR

Complaint narrative:
XXXX XXXX bought a old cc debt in XX/XX/2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX XXXX XXXX the thing about is it is out of statu in the state of Arkansas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.

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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied for a refinance in XX/XX/2018. Started the process with a gentleman name XXXX XXXX. After several calls and days, XXXX calls me and said he needs to collect {$240.00} from me. I asked why and he said it was a good faith to make sure I was serious about moving forward and that I would get the money back at closing. I said that will be fine. 
About a week or so later an appraisal was done. The appraisal came in real low and was incorrect. Because of this XXXX XXXX from Quicken Loan said the original refinance agreement could not be met and I had to come out of pocket a lot of money in order to refinance. I told XXXX the appraisal was incorrect but he said they couldnt do anything about it. I told him that I wanted my money back since they could not proceed with what was agreed. XXXX XXXX told me he couldnt refund the money as that was used toward the appraisal and that XXXX XXXX was supposed to have collected {$500.00} from me as that was the cost of the appraisal. I told XXXX that XXXX told me that money was a good faith payment to make sure I was serious in proceeding but XXXX said that was incorrect. 
I have since gone to three other banks for the refinance. Two of the banks paid for the appraisal and told me that if the loan goes through I would pay it back at closing. 
Quicken Loan appraisal came in at {$110000.00} XXXX appraisal came in at {$130000.00} XXXX XXXX XXXX came in at {$140000.00} XXXX XXXX XXXX notified me up front that I would need to pay {$480.00} for the appraisal before proceeding. 
I should have been told by Quicken Loan that I needed to pay for the appraisal up front. If this was for the appraisal then I should have been told to pay {$500.00}. I dont understand why XXXX collected {$240.00} and said it was in good faith if it wasnt. The amounts do not equal up. I shouldnt be responsible to pay for an appraisal that was done incorrectly. After the fact I looked at the XXXX XXXX XXXX  ( XXXX ) and noticed many complaints for the same exact reason. They were told that the money was in good faith and then they kept it. This is a sneaky way of taking peoples money and Quicken Loan being such a huge mortgage company should not be treating potential customers like this. 
I have since refinanced my home with another bank that treated me great with no money out of pocket. If anything, I received money from my refinance. I am looking to collect my {$240.00} back from Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
XX/XX/2018 my wife and I sent out debt validation letters to National Credit Systems , Inc. in regards to a debt listed on our credit. We received in return a copy of the lease and final bill ( which we never received ) and they stated the debt was valid. In XX/XX/2018 we called the company to make arrangements to pay the debt and were told the they don't have the debt but it is still showing on our credit from them. We were referred to another copy but National Credit Systems , Inc. but the copy is closed and number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted all the proper paperwork to TransUnion they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.

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 2018-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of  Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against 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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
Bonneville Collections has a collections account posted to my credit file. This account originally belonged to XXXX XXXX and was first reported as delinquent in the amount of {$120.00} on XX/XX/2013 therefore it is no longer reportable and should have been removed last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX bought a old cc debt in 2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX   & XXXX the thing about is it is out of statu in the state of Arkansas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
AS OF XX/XX/2018, I'VE BEEN TRYING TO REPAIR MY CREDIT REPORT FOR ALL THREE CREDIT BUREAU. I GOT A HARD INQUIRY FOR A COMPANY I DON'T KNOW ANYTHING ABOUT. I NEVER APPLIED FOR A CREDIT CARD OR ANYTHING WITH THE AIRLINES. THE COMPANY IS CALLED 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 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
I didn't see an option for the issue I'm having so I am describing the issue in this statement. I was notified by collection agency Couch, Conville, and Blitt of my private student loans that they are now attempting to collect a debt on. I received validation of the debt upon my request. Along with my information, the collection agency sent a list of 29 other individuals ' names, ssn, interest amounts on loans, and principal amounts on loans. I believe that this is very dangerous and I feel that if they have sent me other peoples ' personal and confidential information, that they have also sent my information out to other individuals. I feel this is very dangerous and illegal. I am looking for a resolve of the matter because I feel my information may fall into the wrong hands of someone and I'm sure if these individuals listed on the paperwork sent to me knew of this, they would be very concerned also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Found out recently that Discover Card has been charging me for payment Protection Services of which I have no recollection of authorizing. Came to my attention particularly since this year XX/XX/XXXX since apparently I have previously not kept a balance. 

I called in to dispute the charges and was able to successfully cancel this recurring charge and get them to back out the last charge for XX/XX/XXXX, but they refused to remove any previous charges. On XX/XX/XXXX I spoke with XXXX, then, XXXX, then XXXX, and finally Supervisor XXXX ( sp? ) to no avail. They were unable to provide me with any proof of my authorizing this recurring purchase. 

XX/XX/XXXX Charges XX/XX/XXXXXX/XX/XXXX8 DISCOVERPAYMENTPROTECTION XXXX XXXX {$8.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$70.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$73.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$72.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$69.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries. 

They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen. 

I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened. 

I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX   that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me. 

I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account. 
2. Their written response to my dispute.

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