vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.

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 2017-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX XXXX +

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
I was notified by Equifax that my personal information was lost due to their data breach. This company needs to reimburse me for the charges they 've charged me for credit monitoring -- the reimbursement should include at least the period back to the date of the breach. Attempts to contact this company via phone are impossible -- they do not answer or the linese are busy. Emails are not replied to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN ( This happened to both me and my fianc, and I ca n't imagine how  many others ). It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need. 

The fact that a government agency is not available to protect us from these bumbling XXXX is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off my balance on XXXX/XXXX/17. Unbeknownst to me I was a day late. I incurred a {$30.00} late fee twice and XXXX {$2.00} minimum balance fees. I thought my bill was paid off but what was happening was a bill of fees. Very unethical standards for this XXXX account held by Commenity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z

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