vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I opened an account on XX/XX/XXXX with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.

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 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
Credit Control LLC Phone # XXXX Credit Control LLC has contact me 7 times trying to reach my grandfather and mother. 
I advised one that first call that I don't even live in the same state and could not help them. They continued to call me after I asked them to stop. 

Dates of contact were XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 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 2019-07-30 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: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX XX/XX/2019, received letter from Wells Fargo stating I had been unfairly penalized by the application of CPI charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from Wells Fargo. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and CPI team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called Wells Fargo went through the same transfer from CPI to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at Wells Fargo who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I put a security freeze on my credit via XXXX while I was an XXXX consumer. I removed the freeze to provide my credit history to a prospective landlord. Experian also apparently put a security freeze on my credit. However, I am unable to reach a human being or use the website to remove the freeze.

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 2019-07-30 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: FL

Complaint narrative:
Security freezes are supposed to enable me to improve the security of my accounts. Instead of processing it online, Experian is requiring me to MAIL Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. This is NOT secured. Setting up credit freezes with XXXX or XXXX  works fine but Experian is not making more secure or accessible and it would be expected. It also does not list anyway to verify or confirm that the letters are processed or that the freeze of completed as expected. 

The only option provided is this, not even a phone number : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX 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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hello, I'm writing to ask for your help with my mortgage company. 
My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. 

The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. 

I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. 

PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. 

I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? 

They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. 

My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. 

I have been making the monthly payments and have kept current with this account. 

I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. 

I would appreciate any help you can give me. 
If you can not help, please let me know what my next course of action should be. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Reliant Capital Solutions, LLC

Complaint narrative:
A man called my cell phone said, " This is an attempt to collect a debt is this _________, I replied, it is and who are you? He replied, Reliant Capital Corporation, I need to get some information to make sure I have the right person on the line and not an impersonator, what's your date of rent birth or your social security number? I gave my date of birth and the caller hung up. I called back and the person who answered the phone said his name was XXXX, phone # ; XXXX, time XXXX XXXX ( EST ). Note : there was a lot of people in the background speaking in a different language. XXXX also wanted my DOB or SS number when i refused he hung up the phone. They never told me who they were collecting for, they were just trying to collect personal identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Collection bureau of America ( CBA ) is aggressively attempting to collect debt for XXXX properties. I reached out to XXXX properties the original creditor and was told they did NOT have any past due account in my name and could not locate the record of selling this collection to CBA. Contacted CBA only to speak to very rude representatives who only want my ss # and banking info and did NOT listed to my concerns and statements. Several letters sent were ignored only to increase the number of calls for collections ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

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 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE REQUESTED TRANSUNION ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR  COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT 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 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Office depot and citibank have misleading practices where they assess multiple fees without notifying me prior to obtaining credit. 

They are deceiving the public by hiding additional fees and cost that do not conform to common credit practices. These fees we never explained to me and if they were I would not have taken the card. 

Employees pushed the benefits of the card without warning me about minimum monthly charge requirements and other obscure terms

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 2019-07-30 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: CA

Complaint narrative:
PayPal is company at Issue. They are holding a payment for no legitimate reason. First said it would be 24 hours, now saying it could be up to 5 days. The same person has sent me money last three weeks in a row. This week he wasn't able to for some reason and had to call them. He did and then updated his account per their direction and was able to send me the money. When I logged into my account to " accept '' it, it let me accept it but then put the transfer on hold, it said for up to 24 hours. Now 24 hours later they are saying it could be on hold for up to 5 days. Again, no explanation whatsoever for what the original problem was, why the payee needed to do something different this time, and why the transfer to me is now on hold. It's only {$530.00} so not worth a XXXX  complaint, which I told them I would file and I did that as well as filing this complaint with CFPB. First the payee had to call PayPal customer service just to get the transfer initiated on his end. Then I had to call today with no resolution on a 13 minute call to XXXX and spoke with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: ID

Complaint narrative:
* XX/XX/2019, received letter from XXXX XXXX stating I had been unfairly penalized by the application of XXXX charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from XXXX XXXX. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and XXXX team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called XXXX XXXX went through the same transfer from XXXX to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at XXXX XXXX who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7  years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

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 2019-07-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/2017 Original Creditor XXXX XXXX XXXX collection agency Resurgent/LVNV Funding. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX and yet the account remains on my credit file. With the latest news of XXXX XXXX data breach this further backs my complaint. Please advise this collection account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: VA

Complaint narrative:
XXXX of Va Child Support Division have deliberately reported wrong and false information as a retaliatory tactic on my credit report for over 20yrs. I disputed this information with the credit bureaus many times through out the years. It have completely came off the XXXX report but Equifax still refuse to take it off saying I must contact Child Support when I have many times. I Called Child Support also many times over the past years, but we have always had a bitter ongoing dispute regarding this and other situations related to courts, custody, and other suits, and other issues that add more fuel to the fire, so child support refuse to do their part when updating or reporting accurate information. I was even told by a social worker that they will personally make sure that I am faced with finical difficulty and stress and they will use any and all governmental means to do so which they have. The Child Support agency first reported on my credit report back in XX/XX/XXXX. This particular account was paid off in XX/XX/XXXX as you can see they still refuse to reflect that on my credit report back than. Another thing is I have several child support accounts over the past 20yrs because of the children being in different custody situations but mostly me having physical and soul custody the most of their lives, but the child support account shows up as one on the credit bureaus sites. In even if Child Support was combining all the cases as one than the reporting is still incorrect. Its showing payments as not current when this was never the case at the times reported. I have the records for the child support accounts, and it is clearly intentionally reported fraudulently to the credit bureaus. This have kept me from utilizing my credit to get further in life, and still continues to do so it is making a negative impact and continues to hinder my credit and its being able to be utilize to its full potential.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Our loan thru XXXX XXXX XXXX originated in XX/XX/XXXX and we sold/given to Select Portfolio Servicing in XX/XX/XXXX. From day 1 the informtion was input incorrect. 
SPS made an error when reading and in outting the information in there system. There was a modification that deferred XXXX. However SPS decided to add the XXXX on top of the total prinicpal balance making our loan balance increase by XXXX. Thus has given us incorrect numbers from the first day. I have requested them to fix the issue and even had to file chapter XXXX to avoid losing my home. They give me every reason under the sun as to why I am wrong and they are correct. Nobody says that same thing, they all give a diffrerent reason for the balance being so high.

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