vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: ClearOne Advantage, LLC
State: MD

Complaint narrative:
On XX/XX/2019 I contacted Clearone Advantage to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give ClearOne consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased two items on XX/XX/XXXX ( order total {$1300.00} ). One of those items was available immediately for shipment and I received it ( {$100.00} ). The other item was not available for immediate shipment but I was charged on the XXXX XXXX XXXX credit card. When I made the purchase I signed up for 6 months of 0 % interest. As the months went by and I still had not received the item I noticed on my credit card statement I was making payments for an item I still had not received and that I was in fact being charged interest on that item. In XXXX I contacted XXXX XXXX to find out when my item would be delivered and they could not give me any answers. They told me it was best to cancel my order and get a refund. So this is exactly what I did. On XX/XX/XXXX I contacted XXXX ( spoke to XXXX ) because I wanted my money back and I also wanted the money back that they had charged interest on as I never received the item and that was not part of the agreement. She opened up a dispute and said it would be resolved within 90 days. I received a letter dated XX/XX/XXXX that said they would resolve the issue within 90 days. 90 days passed and I never received any notification nor my money back. On XX/XX/XXXX I spoke to XXXX and he told me I needed to speak with someone at XXXX XXXX. So that same day I spoke to XXXX at XXXX XXXX and she told me the dispute is with XXXX not XXXX XXXX I called back XXXX and said I needed to speak with a manager. Eventually I spoke to XXXX and she said that on or around XX/XX/XXXX I would hear back from XXXX regarding the results of the dispute and she could issue a check. I never heard back from XXXX. They still have my money. On XX/XX/XXXX I received another letter stating that it would be another 90 days. I believe this is against the law. I don't see how they can keep my money. I'm at the point where I will hire an attorney and take them to court or file through small claims for all of the additional stress this has caused me and not getting my money back that I am rightfully owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Please forgive me for not contacting you for a few days or maybe a week?? as i have been very sick. 
( my third round of the XXXX sinceXX/XX/XXXX( sorry i have XXXX XXXX and XXXX ( very bad XXXX XXXX. i have sent messages to Wells Fargo and played phone tag with XXXX XXXX. 
I did leave a few messages but we are playing phone tag. I will keep calling him tomorrow and next day and try to reach. One phone issue is i have cell phone only and ring tone stops ringing faster especially when i get the phone call. i usually take the phone with me from room so i will always have it if i fall or can not get up. i do have a XXXX in the house and one in my car, I do not know if i will ever get the help i need. I will call XXXX over and over again and turn my phone volume up. i do have a small bag that i can carry it in my best friend gave it to me the other day,

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 2019-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: International Debt Buying Consultants, LLC
State: CA

Complaint narrative:
XX/XX/XXXX i recieved a voicemail on my landline phone and it said that it was attempt to collect a debt owned by portfolio management group and that it was a debt owed from an payday advance loan done from XX/XX/XXXX. I was trying to ask for more information regarding this loan. And i had to wait 30-60 day for the sheriff to knock on my door to give me a notice to appear in court. And that it was the 2 time he goes knocking at my front door.. 

I was like yeah right the sheriff would leave a notice or something or even talk to me while i was in XXXX but no communication from anyone regarding this debt. No statements sent to my home address " NOP '' any phone call before this first time " NOP '' any wage garnishment or levy from court or FTB " NOP '' SO IS THIS  A FAKE DEBT OR NOT : '' '' '' '' '' First -- i have never taken out a payday loan or a loan ever. Ive would always be denied because of insuffient income and no revolving bank account, and no direct deposit account That would be the main reason for never being granted a payday loan or a loan. 

I have proof that i make {$150.00} per month from employer and i get paid per month and its a paycheck. 

No bank account to be able to have direct deposit to show reccuring deposit into bank account Knowing that i cant pass loan process that is why i dont apply for them anymore. So I was XXXX when i heard i owe from a payday loan and even worst that it was from XXXX to XXXX i was like XXXX. 

SO THEN i was told to call a number ( XXXX ) to then a lady said that they only do payday loans max amount is XXXX. 

Like XXXX from XXXX to XXXX to XXXX And i told her that it wasnt me who took out a payday loan but she could only do is note the account and transfer me to this number ( XXXX ) that just had me on hold for 2 hours and 49 mins. To just hear that i will be getting a call in 24-48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give XXXX consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.

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 2019-04-09 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: MO

Complaint narrative:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX   XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX   XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

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 2019-04-09 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: CO

Complaint narrative:
Equifax, today, XX/XX/XXXX and previously online through other apps and directly with them within the past few months. Last year I had XXXX ( XX/XX/XXXX ). The services for one provider went erroneously to collections in XX/XX/XXXX. I work for the XXXX of Colorado and am fully insured. I had a follow-up XXXX in XX/XX/XXXX. Meanwhile insurance has been processing, etc. everything has been paid and I paid any difference. In XXXX I got a collections bill from XXXX XXXX  on behalf of XXXX XXXX of Colorado. I inquired with XXXX XXXX and was informed of a zero balance. So, I thought this was a scam ( XXXX XXXX after all sounds like a cartoon! I'm not paying ). I ended up overpaying XXXX XXXX directly and by XXXX I was reimbursed, yet XXXX continued to hound me for payment. Subsequently, since I won't send XXXX money they have reported me to the credit agencies and Equifax will not process my dispute! I have tried numerous times to dispute the error on my account and can not get past the first page essentially. Please take care of this!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
XXXX  XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX  XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. 

ERC now XXXX  XXXX deleted the item, and then renamed its business to add the account back to credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX CR {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX  {$640.00}, XXXX XXXX {$210.00}, XXXX XXXXXXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XXXX XXXX at around XXXX, California Time, we spoke with Lender Rep in regards of EMERGENCY Loan Modification. 
We are respectfully love to stay in our beutiful Home, and raise our childrens and have a prosperous Mortgage Affordable monthly payments. 
If there is a apportunity to have a Mortgage Credit Certificate, to have prosperity in Federal Relief we highly aprreciate it. 
I XXXX XXXX XXXX XXXX, on around XX/XX/XXXX my mom XXXX XXXX Purchased Our new Construction home at XXXX XXXX XXXX  CA. 
In XX/XX/XXXX my mom was diagnosed with XXXX and she past away XX/XX/XXXX.Our family went through a very difficult financial hard ship and as my mom XXXX XXXX death devastated the entire family.Funeral expenses and other. 
Home expense was implemented during my mom death. 
On around XX/XX/XXXX my dad Mr.XXXX XXXX was going through a Medical Complications and need my Care taking assistance. 
But the las 2 years his Health condition got worst, I would have to take time off work, call in sick so I can take my dad to his appoiment and ER. 
So my income was insufficient to Retain the mortgage Payments and expenses at our home XXXX XXXX XXXX CA.XXXX. 
Presently we have substancial income to accommondate with mortgage and home expenses. 
I'm respectfully requesting for Lender to modify the existing loan under {$2000.00} a month with a 30 years Fixed Loan Rate, Plus with no Pre-Payment Penalty.Please include Property tax and Home Owners Insurance in Escrow Account. 
Notice : My Dad Mr.XXXX XXXX is XXXX XXXX and has Pre-Existing Medical Condition. 
Thank you for supporting Military Veterans, as Im a U.S.XXXX Military Veteran.

With honor and Respect Always. 
Please make communication with me XXXX XXXX by email : XXXX as I am taking care of my Dad Mr.XXXX XXXX, XXXX XXXX Medical Issues at Home. 
Thank you for your wonderful support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my second time reporting Experian. Experian removed the false information, then at the request of XXXX XXXX XXXX put it back on my credit profile. I am unable to file another dispute with Experian so I am submitting a complaint here.

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 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that Transunion and XXXX have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on Transunion and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called XXXX XXXX again but there was no message on the voicemail. I called XXXX XXXX, Team Lead, and told her I did not want XXXX XXXX to be our contact any longer because he did not fix the problem. I want XXXX XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for XXXX XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!

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 2019-04-09 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:
In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that XXXX and Equifax have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on XXXX and Equifax. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called Mr. XXXX again but there was no message on the voicemail. I called Ms. XXXX, Team Lead, and told her I did not want Mr. XXXX to be our contact any longer because he did not fix the problem. I want Ms. XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for Mr. XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!

Company response to consumer: Closed with explanation