vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or  written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
There is a {$22000.00} discrepancy between the mortgage principle balance shown on my monthly statements ( {$220000.00} ) and that shown on my credit reports ( {$240000.00} ). I 've called Wells Fargo to explain this discrepancy and their explanation did nothing but confuse me more.

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 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Russell Collection Agency, Inc
State: KY

Complaint narrative:
on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it

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 2017-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: WA

Complaint narrative:
Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: MI

Complaint narrative:
When my bankruptcy was discharged in 2013 I reaffirmed my house with XXXX XXXX XXXX loan # XXXX. They sold it to Greentree loan # XXXX who sold it to Ditech loan # XXXX. Neither Greentree or Ditech have ever reported my on time payment history for the past 4 years, which would make my credit scores 100 points higher than they are now. I can not sell this house and buy another one until they report accurately my on time payments to all three credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called  XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am trying to send money to a friend via PayPal. I have my debit card link to PayPal. PayPal was going to charge me a fee of more than {$4.00} to send {$150.00} to my friend. There was marketing message ( attached ) saying that I could avoid the fee if I paid directly from my bank. I decided to make the effort to link my bank account directly. This is the same bank account that my debit card is linked to. I successfully linked the accounts. When I went to send the money to my friend PayPal did not show me the newly linked account as an option to pay my friend. Yet it still marketed to me the fee free method of paying. I inquired and was told essentially that the risk team has not deemed my bank account as eligible for this type of transaction. So the only way I can send money to my friend is through my debit card by paying the fee. This is despite the fact that the money will be drawn from the exact same account. This practice is misleading. PayPal continues to market to me to use my bank account to avoid the fee, even though I already have that account linked, they do n't show it and only show me the option to pay the fee. 

Also, why do they allow me to use my bank account to make online purchases but not to send money to friends. This seems self serving and a way to generate fees, not minimize their risk, which is their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: MD

Complaint narrative:
I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargos response to the last complaint appears to have not been properly investigated within Wells Fargo. As a result, their response appeared rote as they refused to take responsibility for a situation that they created. 

I have contacted the company and can not seem to resolve the problem to my satisfaction. 

Wells Fargo customer service and various departments within Wells Fargo seem to have intra-departmental communication issues in that this situation should not have been created in the first place and should have been resolved by now.

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 2017-10-02 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: TX

Complaint narrative:
hippa, cra inaccurate information violates my cra rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank of america creditcard and make the payments through their system. I set up a payment for the due date and from my XXXX XXXX checking account which they have on file and I have made the payments the same way for months. 

Today I tried to order an XXXX for myson and was declined. Turns out my bank of america credit card was declined. I tried to log in to my online account and it said I did not make a payment and was past due. I checked to the details of the account and said my payment was returned from my bank. 

Before I called Bank of America. I called and looked at my XXXX XXXX checking. Both by phone and by online I confirmed that I have an average daily balance of XXXX dollars and that bank of america never tried to debit any money frommy account. 

I called bank of america and they told me that if I had another account. I said I had a checking account that closed that they also had on file. But does not make sense I disabled that account and have always paid with the current account for well over a year. 

I got them to remove the late fee but they do not want to remove the late credit reporting. It was not my fault. It was there error. I never set up a payment with a closed account. In addition, they never notified me of what happened. How or why they tried to withdraw funds from an account I do not use is beyond me. I have made all my payments with the account they have on file ending in XXXX. 

They said they would investigate and send me a letter. What 's there to investigate. They know I made my payment with the active account. They had a system issue and they trying to ruin my credit by not acknowledging their error and fixing it. 

I want the late credit reporting removed. I made my payment on time its was there error not mine.

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 monetary relief
Consumer complaint received 2017-10-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX 2017, I contacted XXXX XXXX XXXX in XXXX, Md. to inquire about getting a mortgage for my first home. After reviewing my credit score, asking about my income and my down payment amount, the loan officer said that I 'd need to work on my credit score before they 'd be able to offer me a long. The issue was my credit utilization. He told me that if I took care of that right away, my score should shoot up very quickly and I 'd be able to look for a home. 

I immediately paid all my credit cards to zero and got back in touch with the Capital One loan officer. He said that it would take a while for the credit agencies to reflect my new credit utilization, but that we 'd keep checking. It took about 30 days, but my scores had improved by about 80 points, which the loan officer told me was more than sufficient for me to buy a home. He issued me a pre-approval letter for {$420000.00} and I began looking for my home. 

I found a home on which I wanted to make an offer, which was significantly less expensive than my pre-approval amount. I was soon under contract with the purchase price of {$360000.00}. I contacted my loan officer and immediately provided him with all the documentation he needed to confirm my income and my down payment. Every piece of information I provided to him was exactly as I told him ( income was accurate, funds for down payment were accurate ). However, a few days later, the loan officer informed me that the bank would not be able to finance my mortgage. There was no clear reason for why, he just said the combination of my income, credit score, etc could n't work. The frustrating thing about this is that, if this were the case, the bank should never have told me they would give me a mortgage and issue a pre-approval letter. Nothing changed from the time they issued the letter to when I went under contract except for the fact that I was asking to borrow about $ 60k less than they approved me to borrow. 

The pre-approval letter lists qualifications they need to check for full approval as satisfactory appraisal and title report, verification of income, assets and other information, and no material changes to your credit or financial situation. I provided information to verify my income and assets, which were exactly as I stated in order to get the pre-approval in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: IN

Complaint narrative:
On XX/XX/XXXX I received an alert that on my Equifax report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want Equifax to remove this immediately. 

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation