vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Currently on my XXXX mortgage servicer ( Shellpoint ) where my loan was transferred to in XXXX XXXX. Concerned that property taxes for XXXX half of XXXX due XXXX XXXX have not been paid. The tax bill was sent to Shellpoint by both myself and the XXXX XXXX XXXX. I have received no confirmation by Shellpoint that the property taxes have been paid. I need to know that they have been paid while I continue to try and have a loan modification or some type of loan mitigation approved that is acceptable and sustainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: WA

Complaint narrative:
Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.

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 2017-10-16 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: OH

Complaint narrative:
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
I have no knowledge of this account, I have never had an account with XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 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: GA

Complaint narrative:
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.

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 2017-10-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: OH

Complaint narrative:
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

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 2017-10-16 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: OH

Complaint narrative:
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I was thinking of refinancing my VA mortgage. I called a few brokers and they quoted over the phone and via email some rates. I decided to call XXXX XXXX, I have seen many of their TV ads. I talked to a XXXX XXXX XXXX XXXX over the phone and asked him to quote his rates for a 30 yr fixed. He informed me that he " did not have the rates '' but if he asked me a few questions that he could give me those rates. I informed him of my approximate credit score and told him that all I want is the rates. I told him I did not wany him to run my credit, He told me that if my credit score was as high as I said that running a credit check would not change them. I gave him the info he needed and after he gave me the rate I told him that I was not interested as the rate was 1 point higher than some of the rates I was quoted. Under no circumstances was I interested. 3 days later I received an loan application all filled out with a loan number, as if I was applying for the loan. They did not even have the courtesy to mask my and my wife 's SSN, I then received a phone call from them asking why I withdrew my application! They have sold my info to other companies because I am getting a phone call from other companies almost daily.I was never told nor did I give them permission to fill out an application, I am sure this effects my credit score and history, they had no right to do this, I feel they are taken advantage of veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: NC

Complaint narrative:
Equifax Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XXXX XXXX. Equifax took six weeks  to announce a security breach had taken place, in which time three Equifax executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly 2 million dollars in stock of the company. After Equifax  announced in XXXX XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as Equifax was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and Equifax is entirely responsible for the breach of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.

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 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX at XXXX P.M. I authorized Wells Fargo Dealer Services to withdraw my car payment from my Wells Fargo XXXX Account stating the funds would be withdrawn XXXX hours or the next business day. On XXXX at XXXX I purchased XXXX XXXX tickets using my Wells Fargo XXXX Account XXXX {$220.00} XXXX. On XXXX I was debited from my checking account a NSF Fee of {$35.00}. 

I contacted Wells Fargo and they were unwilling to refund the {$35.00} and could not explain how I was overdrawn by XXXX, but able to purchase my XXXX tickets on Friday, even though I was overdrawn. I OPTED OUT of the courtesy payment when I opened the account. This appears to be quite predatory and a money grabbing scheme to cheat depositors out of money.

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 2017-10-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a balance ONLY dispute with Transunion for an authorized user account with XXXX XXXX XXXX XXXX XXXX XXXX xxxx ) in XXXX because the balance was XXXX and it was not reflecting that. I was informed that Transunion simply deleted the account without investigating it and has refused to add it back to my credit report even though it has been confirmed twice with XXXX XXXX that they have reported the account this month and has sent a dispute to them via my request to add it back. This is a violation of FCRA law, my credit report is not accurate because of their refusal to add key credit factors to the reporting. I am requesting your assistance to enforce the law and have them add the account back to my report 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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Today, XXXX XXXX, XXXX, we are closing on the sale of a property. The payoff balances were substantially different than what they should have been based on the last received statement. In essence, they said the previous month 's statement balance is not the payoff balance. This is at least misleading and at worst criminal. How is anyone able to follow interest calculations if the balances are not correct?

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX XXXX, I tried to change my auto payment for the balance of my chase card to a specific payment amount. 

I thought the auto payment would not be completed that month with my one time payment information submitted. 

Both payments went through and I suffered a number of overdraft fees as a result. 

I think chase should make fact that the auto pay feature does not turn off when you make a one time payment more clear on their website, as this turned out a very expensive piece of information for me.

Company response to consumer: Closed with explanation