vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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: MA

Complaint narrative:
I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint.

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 2017-09-11 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: CO

Complaint narrative:
My data was breached on Equifax. 

Why is Equifax charging me {$10.00} to place a credit freeze on my account? They should make it free and also compensate me for the charges for credit freeze fees I have to pay to XXXX and XXXX. 

If not, Equifax stands to make > 1 billion dollars on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?

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 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC MORTGAGE letter dated XX/XX/XXXX stated : Between XX/XX/XXXX and XX/XX/XXXX, In fact, the Borrower did remove personal items on several occasions. 
This is not the Truth with intention, cause Harm to the HomeOwner XXXX XXXX stating that the HomeOwner XXXX XXXX remove personal items, until now the HomeOwner XXXX XXXX is on the street without anything/nothing, struggling for life, suffering, agony in a death situations. The PNC Mortgage/XXXX XXXX  forclosing fiercely, lock-out the HomeOwner XXXX XXXX, put in jail, accussing demolishing the building/house, the mail box was disconnected, ruined the personal good name to the student that XXXX XXXX did not pay the house payment, ruined the business name to the school XXXX therefore the XXXX XXXX could not get the student anymore : business termination, credit score ruined can not get an apartment : living on the street, credit score ruined can not get a job : arrested record, forclosure record, multiple bankruptcy record, the attorney accusing bad faith, Defraud the XXXX XXXX, all of the above is attacking the HomeOwner who already built the house for retirement, get kick out/evicted on the street, the single old ill : XXXX XXXX the HomeOnwer XXXX XXXX XXXX situation on the street, the Attorney XXXX keep asking money for TILA Rescission to a Homeless XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This HELOC had an ending date of XXXX XXXX. We have not been allowed to use any of our equity for years even though our ceiling was much higher and our home did not lose any value, we were just allowed to make payments. In XXXX of XXXX, we refinanced our first mortgage and HELOC together with XXXX mortgage and this loan was paid in full. Today, XXXX I received a document from them that says congrats your loan is paid in full as of XXXX and that they will review our payment, escrow, etc for 20 days and then send the lien release document to the courthouse. This is unacceptable as it is several months ( almost a year ) after we were truly paid in full which we have documentation in XXXX from them that said we were paid in full. I feel as if they have majorly violated the law by not doing this already. My phone call to their customer service # only got me an agent who could not explain why this was not done already and did not offer me an expedition choice. I had to ask for them to expedite the lien release since this had taken an egregious amount of time already. I feel there is a negligence of duty by this company and I want to know what my legal rights are since none were explained to me by OCWEN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not yet received any information from the Annual Credit Report website It seems neither Transunion nor XXXX can verify my identity online. One concern is also that XXXX asked me a question on the verification link re a mortgage application in 2014 - I never had a mortgage application in 2014, so now I wonder if someone stole my identity?

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 2017-09-11 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: TX

Complaint narrative:
According to Equifax, my personal information including but not limited to name, social security number, date of birth, address, and driver license number was compromised and exposed. Equifax detected the hacking back in XXXX, but did not announce or contacted any victims including me until early XXXX after 3 of its senior executives sold their company stocks. As a victim of Equifax breach, my identity was no longer safe and private to myself. At this moment, I believe that Equifax should do more to control the damage to innocent citizens, and prevent future compromise, e.g. offering free credit freeze instead of just monitoring with their own service..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am being XXXX XXXX and being forced to pay for a debt that was procured by fraud. See attachment at the bottom of the page : Account name : OCWEN LOAN SERVICING, LLC. 
Loan Account XXXX ... was transferred to another lender on XXXX. # 1 ) Name the lender the account was transferred to? # 2 ) Was the transfer a purchase involving a credit purchase or was the account acquired? # 3 ) What is the method of purchase for the account? is it in credit or cash? # 4 ) What is the amount of the purchase?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.

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 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. 

American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. 

I am still waiting for my XXXX XXXX XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
My sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. This is evident from checking against https : //trustedidpremier.com/XXXX which resulted in the message saying Based on the information provided, we believe that your personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for BoA XXXX XXXX credit card and got aproved on XX/XX/XXXX. I received my card in mail in the next few days and activated the card right away. I tried to use my card for an online purchase in early XXXX, however the transaction did not go through. I tried to call BoA and was told the account was not active. 

My account was closed by BOA without even a notification, not a phone call, or email or a letter.

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 2017-09-11 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: PA

Complaint narrative:
Randomly generated answer on Equifax website persuaded me to sign a document that may be in accurate. Coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, Equifax announce that 143 million Americans have had their information stolen during a cyber-attack which occurred in XXXX. Equifax reportedly discovered the breach on XXXX XXXX, over a month after it happened and waited until the XXXX of XXXX to inform the public. However, they have still not informed those affected. Equifax created a website where individuals can enter their name and SSN to see if they were affected. However, the websites reportedly generates random results and an incorrect SSN and name pairing still results in a response. 

Equifax should face severe repercussions for their mishandling of the American people 's sensitive information, the utter lack of timely communication, and the misleading and inaccurate responses they are giving through the new website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I entered into a Short Sale with Nationstar. The home was listed at XXXX however, my realtor secured a all cash buyer on XX/XX/XXXX for XXXX. 
Nationstar drugged their feet in a effort to punish me because of my earlier legal actions against them which resulted in a reversal of their foreclosure. Nevertheless, 5 months later Nationstar began requesting updated information and the buyer went a extended vacation overseas, and was unable to be reached to provide updated bank statements to Nationstar. This situation was explained to Nationstar who was in possession of XXXX XXXX dollars verified funds. My realtor requested a postponement for the upcoming foreclosure sale, which Nationstar granted, however, they still proceeded with the foreclosure sale and asked that we disregard the previous message " sorry ''. I also recieved a Notice of a Foreclosure Sale which was not for my property nor was the Notice in my name. No one bidded at the foreclosure sale and Nationstar took it back for the original price of $ XXXX. I feel this was a effort by the foreclosure company and Nationstar to further confuse me. Nationstar has not re-listed the property for sale, however, they have changed the locks so I can not gain acessess to the home where I have at least XXXX worth of my belongings there. 
Nationstar nor their agent ( who does not have a listing agreement ) have possession of the property. California law regarding possession is quite clear.

Company response to consumer: Closed with explanation