vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to access my Equifax file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on Equifax 's end. I just want to be able to check my report like I do with the other services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
We are trying to get preapproval from a mortgage company as we are looking to buy a house. We have our accounts at all three credit agencies frozen. It was very simple to temporarily remove the freeze at XXXX XXXX and XXXX. Experian was another story. Their online service often said, " I didn't get that '' even when the data was entered using the keypad. There was inadequate time to enter the PIN number they had sent. Giving up on the phone, I tried the online service. The field for the PIN number was too short to fit the PIN sent to me. I left off the XXXX leading XXXX and was able to get the temporary removal. I told my husband to leave off his leading zeros in the PIN sent by Experian. However, it turns of he had XXXX leading XXXX. His request was denied and they said he had to submit all kinds of information for his request to be honored. We are still waiting to have the freeze removed. Nowhere in the letter containing the PIN, in the phone link or on the online site does it say the PIN has to be a certain length or to disregard the XXXX leading XXXX. This is ridiculous. If we had been trying to get a loan to go with an offer, we would have lost the bid. Why can't Experian give you a PIN that is correct and be as user friendly as the other two agencies?

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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was asked to have wet signatures provided and on the contract and XXXX XXXX removed. I had all parties resign all pages and remove XXXX and initial the removal, then I was told that wasn't good enough and to remove mention of his name completely, I did that and then was told to remove mention of his name all together, I did and then was told to have all parties initial next to the changes, even though that was already done the first lien. The document correction request have been all over the place and although the details appear to be specific they have not been making sense and I have requested specific explanations many occasions to make sure this was right to not get the information needed. Had I received specific understanding of what was needed I would have been able to get it done on the first shot rather have to go back and forth to the parties asking for more and more corrections ensuing stress on everyone. IT took 94 days for Bank of America to even get the short sale open in the first place because they kept asking for other ambiguous documents instead of streamlining the short sale review as they should have in the first place to avoid loan mod review since the property is not owner occupied. I want to see this file move forward and willing to do the corrections I just need to know exactly what is needed so I can get this done and the file moving forward. I would also like a reasonable amount of time to get this done considering all of the nonsense Ive endured the past two weeks causing delays.

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to access my XXXX file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on XXXX XXXX end. I just want to be able to check my report like I do with the other services.

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MCM which is XXXX XXXX XXXX XXXX XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I work for XXXX XXXX XXXX XXXX and I do process loan with wholesale lenders. I submitted several loans to XXXX ( XXXX XXXX XXXX ) and got paid {$790.00} processing fee which I normally charge. In XX/XX/2018 I submitted a loan to XXXX and I disclosed the processing fee of {$790.00} as I normally do however they went through with the file up until the loan documents gets sent to the escrow company when they said that they won't be able to pay me the processing fee of {$790.00}. When I mentioned that I processed loan previously with you and I got the processing fee paid, they mentioned that they were out of compliance and now they won't be able to pay anymore. I worked 30 days to process a loan without being paid. XXXX had a chance to let me know that they won't be able to pay me the processing fee upfront when I submitted the loan and if they were out of compliance before and now they are in compliance, they should of sent an email or notification stating that they'll no more pay processing fee for processors working for the Broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I have been attempting to resolve this debt with XXXX XXXX to no avail. I just spoke to the company rep. and was prepared to pay the bill in full if they removed the entry from my credit report due to them not sending any notification. The young lady I spoke to advised me that they didn't have a forwarding address and that's why nothing was sent. She continued by stating 'they don't do deletions ' but would mark it as paid with a XXXX balance. I asked her again to work with me and she said she would not delete the entry and couldn't assist me with this any further. I filed a report with the cfpb last month and that case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a copy of my credit report and noticed a debt from TD Bank. I don't ever recall doing any business with the what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX which is XXXX XXXX XXXX , XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.

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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Within the past 12 months, I opened two store credit cards : XXXX and XXXX XXXX XXXX and XXXX XXXX issued these cards. I began receiving threatening calls from XXXX XXXX  representatives in XXXX ( XX/XX/18, XX/XX/18, and XX/XX/18 ; I received one call prior to XX/XX/18 where the individual stated he was from XXXX XXXX but I did not write down the actual date he called ). The calls are stating I need to give them the name of my attorney and I need to return their call immediately as they need to take action on my account. I've only returned one of these threatening and upsetting calls and when I spoke to the person, she could not tell what she was calling about or why I needed an attorney. 

I contacted XXXX and XXXX XXXX XXXX about my accounts and both businesses confirmed my accounts have a XXXX balance ; I requested a XXXX balance letter from both companies and have the letters in my possession ; they are dated XX/XX/18. 

All of them are telling me to return a call to XXXX and when I call the number, it answers, " thank you for calling XXXX ''. I want the calls to stop. I have listed my phone and my employer 's phone number to stop the harassing calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
There are many XXXX XXXX XXXX, However I have not lived anywhere out of XXXX XXXX County. As a child I lived with my father in XXXX XXXX XXXX until XXXX years of age when I start living at the XXXX address until present. Couple years ago I went to Vote and they told me I voted already which I did not so I had to vote by paper. Someone must have stolen my identity and because of this I am having a XXXX on my background when it should have been adjudication withheld and not a XXXX. 
I will be filing and identity theft report because someone is using my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
On XX/XX/XXXX i emailed customer care after speaking with the below mentioned representatives. Here is what occurred : I did a pay-by-phone for {$3900.00} to be applied to Escrow in XXXX. It was not applied per the bill dated XX/XX/XXXX. I contacted customer service, spoke with XXXX on XX/XX/XXXX @ XXXX MST. Her ID number is XXXX. XXXX was going to apply the amount to Escrow and call me back, XXXX never called me back nor did she make any changes to the account. On XX/XX/18 XXXX, ID # XXXX called and advised my mortgage payment was late and fees were applied. I told XXXX about my previous conversation with XXXX and the payment over the phone. He issued a ticket to apply the funds to Escrow since XXXX did not. 

I requested an email or letter confirming the matter has been handled and that Freedom Mortgage reversed any fees and they DID NOT issue a late-payment notification to the credit reporting agencies given all of this was by no fault of my own, XXXX confirmed this on a recorded line. I also advised XXXX that I need a follow-up phone call to speak with someone regarding the matter once it has been handled, either later today or tomorrow. I did not receive a letter confirming the events and the matter was closed. 

XXXX did not get the account issues resolved and it appears nothing was done. Because then I received another call from a different rep, his name was XXXX, ID # XXXX on XX/XX/XXXX at XXXX MST. We reviewed the account and its history, he apologized for the repeated mistakes. I issued a escrow payment that day to Freedom Mortgage in the amount of {$3900.00}. XXXX said he would call me Monday morning, XX/XX/XXXX with an update and that he would escalate the account to a manager as well. XXXX never followed up and I received letters from Freedom Mortgage stating my account was past due and that was reported to the credit agencies. 

Then XXXX ID # XXXX called me on XX/XX/2018 at XXXX to tell me my mortgage payment is going to increase. We reviewed the account history and discussed the issues. Resolution is still pending and Freedom Mortgage acknowledged receipt of my written complaint received via email on XX/XX/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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: NY

Complaint narrative:
This companies they scams

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I Hired a 3rd party company to assist me in the loan modification process cause my lender will not doing nothing to help me save my home. 
my file was submitted to my lender for mortgage assistance and this was the response from my lender to the 3rd party helping me INC CALL FROM XXXX AT LENDER OFFICE SHE STATED THAT THEY JUST FINISHED WITH AN EVALUATION FOR ASSISTANCE IN XX/XX/2018 AND WAS DENIED BECAUSE THERE IS NO SIGNAFICANT CHANGE IN HIS INCOME THEREFOR HE DOES NOT QUALIFY FOR A RESTRUCTURE THE ONLY THING HE CAN DO IS REINSTATE THE LOAN OR DO A SHORT SALE - XXXX XXXX ( XX/XX/2018 XXXX XXXX - PST ) so you know there has been a change in more then just one thing in my situation and cause I think it was not substantial to the lender to say, there is not any significant change. XXXX XXXX   sent in a appeals for this to the lender and they still denied me for any assistance, I told them that I would take a higher payment cause I can afford that now as my situation has changed. I even offered them a large down payment as well, and they still denied the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: AR

Complaint narrative:
ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! 
SEE ATTACHED XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been constantly trying to get one closed item updated on all 3 credit reports.  Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

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 2018-10-04 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: MS

Complaint narrative:
I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Calls everyday in excess of 10 times starting at XXXX XXXX until XXXX XXXX. Calls from different numbers, as well as blocked and unknown numbers. They also send texts to my phone once or twice a week. This company only has one number on file for me, but they have called my parents house ( who I do not live with ), and have on at least one occasion called my brothers cell phone ( whose number I dont even have ). They have left rambling messages in broken English and mumbling about vague legal, or police actions actions against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ON XX/XX/2018 I made a transfer out of XXXX for what I thought was {$290.00} but when it actually went through it was {$2900.00}. I got a text from Chase asking if approved the transaction. I texted back no but then realized it was approved, just the wrong amount. Chase then called me and I told the customer agent that it was approved, but the incorrect amount, I was then transferred to file a complaint against XXXX for the {$2900.00}. I opened the claim as wrong amount but somehow Chase made it a fraud claim. Three days later, I then called back to explain that it was not fraud but wrong amount dispute. Chase helped me reopen a claim and said everything would be fine. However, two weeks later I got a letter in the mail that both claims were closed and my temporary credit was being revoked on or by XX/XX/XXXX. I then recalled Chase and reexplained the situation and they helped me reopen a claim which was again denied and my credit revoked. I contacted the merchant ( XXXX ) multiple times throughout this process and they keep insisting they have returned the full amount ( XXXX ) to Chase because of a claim that I had filed. However, both my temporary credits were revoked and Chase had at that point closed all three of my complaints without giving me my money back. At the same time, the balance which was in my XXXX had all XXXX removed. As a large corporation, I trust XXXX as they e-mailed me multiple times : XXXX from XXXX here. I am an account specialist and I will be managing your case moving forward. 

1. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX CDT Hi XXXX, It looks like your payment of {$2900.00} made on XX/XX/18 was disputed by your card company and caused loss on your account. The held funds in the balance were used to recover this loss. 

I would recommend reaching out to your card issuer, as it looks like they have filed a chargeback for this payment so they would have reimbursed you. 

2. XX/XX/XXXX Thanks for following up. I can confirm to you that the funds from the transaction you are referring to were returned back to your bank as part of the chargeback dispute. Please note that these can take up to 90 days to process by your bank. If you bank is claiming that they denied the claim, you will need to recover those funds from them as they have been returned to Chase at this time. 



I am now stuck as Chase refuses to do anything becuase they say I filed an unauthorized claim when it was authorized as an agent had called me and I said it was approved. However this is not exactly the case. ALso, XXXX insists they have returned the funds to Chase but my account is still absemt of XXXX. I would just like for the funds to be returned to me and not be caught in a cycle where both the bank or merchant refuse to do anything.

Company response to consumer: Closed with monetary relief