vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XXXX and XXXX I consolidated enrolled in income based repayment. During that process talked to XXXX customer service agents many times and was repeatedly assured that all my XXXX loans were PSLF eligible. This was not correct and I lost about 37 months of PSLF payments before realizing that not all my loans were accumulating PSLF credits. This was an awful experience, and made me feel stupid and helpless and angry. I cried after getting off the phone with agents because the interactions were so frustrating and there seemed to be nothing I could do about it. 

I re-consolidated earlier in XXXX and was told that all of my loans would be on the same payment plan, and would be direct debited, and I did n't have to do anything else. I called and asked about this specifically. 

Then I got a bill indicating that only part of my payment would be direct debited and the other part had a manual payment due. I logged in and changed my entire payment to direct debit and got an email confirming that a direct debit payment would be processed tomorrow, XXXX. I called to confirm this and was told that no direct debit would be proceed on XXXX. I was told to pay manually and ignore the email and the information on my account page stating that an electronic payment would be debited on XXXX. I was told that I could pay manually and then skip a payment next month if the electronic debit was actually processed ( missing out on yet another PSLF monthlypayment credit ) or not pay the bill and wait three business days to see if they process the electronic payment, and pay manually if they did n't. 

I asked to file a complaint about getting misleading information and the agent was sympathetic and said she would note the complaint, but I do n't feel confident in XXXX billing or the information I get from the customer service agents, as dealing with them has repeatedly left me feeling awful, helpless, and frustrated. 

I ca n't pause the electronic payment for this month because it is " already being processed '' even though it is supposedly not going to be withdrawn. I just want to pay my bills on time and not miss out on any more PSLF monthly payments.

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

Complaint narrative:
I read news reports that Equifax allowed hackers to access my personal information. 

Equifax has not clearly identified if I was a victim of this, but its website has given me a future date where I may return and use their for-profit service to " monitor '' my credit as it is destroyed by criminals. They will not take any responsibility for maintaining my good credit data. 

Do security firms stand by and watch as criminals break into my house, and then suggest I file a police report? Is n't the point to STOP a crime from being committed and to restrict access to my data? 

Further, Equifax officials have personally financially benefited from selling stock before this was made public.

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

Complaint narrative:
My personal information, including ssn, was made public in the equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Equifax potentially released my sensitive personal information to sources that were not approved by myself. This could have an impact on my financial records into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Equifax has mishandled my information by not following best security practices. The recent breach that occurred betweenXX/XX/XXXXhas put myself and over 100 million others at risk of having their identities stolen. The company did not do their best to report the security breach to those who were affected, even though the leak occurred nearly a month ago. I received no communication at all from the company, and I only found out about the situation from my coworker, who already had his credit card information stolen. 

In order to take care of myself, I have put an initial 90 day fraud alert on my accounts. I am currently thinking about putting a credit freeze, which will cost me extra. I will also be checking my credit reports regularly, which will also cost me since I am checking them within a year of my last request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
This concerns addressing my Power of Attorney ( POA ) for my mother who is XXXX. All other banks, insurance companies and health providers previously accepted the docs that I have provided except for Bank of America XXXX BOA XXXX. Not only would they not accept the same docs they would not respond about what they wanted and just ended assisting me. At one point I was sent to a call center who gave me a run around and was of zero help. They never called the bank or called back as promised. 

XXXX at the bank who was helping me ended up hanging up on my husband and lied to his boss about the conversation and this was not addressed. He would take the problem no where. Had to go face to face with the branch manager who made a call to legal wanting more docs that is not addressed in the POA. She had every programmed response to support the problem and her employee who ultimately did nothing but cause frustration. 

The bank manager chose her words carefully but made me feel as though I was steeling from my mother. BOA has still not accepted my POA.

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 2017-09-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LoanCare, LLC
State: WA

Complaint narrative:
XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.

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 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.

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

Complaint narrative:
I was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.

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

Complaint narrative:
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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 2017-09-09 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:
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Equifax improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I found an unauthorized transaction occurred by XXXX app. I never had any XXXX account and never connected to this XXXX to my checking account. But the bank authorized this fund to the XXXX without any confirmation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.

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

Complaint narrative:
According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.

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

Complaint narrative:
The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.

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