vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

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 2017-09-14 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: WI

Complaint narrative:
I have attempted four times to freeze my credit at Equifax.com, following the revelation that they had been hacked. Each time I was sent to a different page telling me they could not process my request or that I should mail them my personal information by mail and then they would process my request. They asked for my full Social Security number, which seems wholly unnecessary, considering they apparently possess a large amount of information about me. Time is of the essence if my info has been compromised. I also object to the suggestion by Equifax that I should have to pay for my credit account to be frozen when I did not ask for the company to include me in their for-profit information scheme. I understand that they may be experiencing high traffic at their website but that again is not really my problem. I want to freeze my credit profile and I do want to pay for the privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: AR

Complaint narrative:
Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OK

Complaint narrative:
Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation
State: NV

Complaint narrative:
OnXX/XX/XXXX. I had my vehical voluntaried Repossed cause of an unpaid balance of {$4300.00}. 
I lost my job so I could n't afford it anymore. On XX/XX/XXXXI requested a letter of Resale for XXXX XXXX XXXX. A.K.A Reliant Financial. I received it via email. 
When I check the amount of how much they sold the car for, they sold the car for {$600.00} which to me I think it 's ridiculous that they sold it for that amount. ( that is another complaint that I will be reporting on this one ).. 
In the letter it says the new balance is {$3300.00} After the resale. 
According to my XXXX and XXXX XXXX Credit Report. It claim my balance is {$5200.00}. To me it sounds like there falsifying fact on my Credit Report. On a closed account which is date on XX/XX/XXXX and it 's XXXX From what I been reading in the FBCPA laws ai n't that in violation of my right as a Consumer.  How can they still be charging me when the account is closed. When it 's closed its closed.. 
My Second Complaint is for the amount they sold the Vehical for {$600.00}, To me that is not a very reasonable amount for which the car was sold being in the condition on which it was repo 'd. It seem like they just wanted to hurry up and get rid of it with no though in mind on how much to sale it for. I honestly think it in violation of my rights according to the FBCPA laws and F.T.C laws as well as Consumer Laws under the state of Nevada. This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right. I will consult with an attorney to see if I have any grounds to file a claim against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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 did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TX

Complaint narrative:
After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice. 
https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: VA

Complaint narrative:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 2017-09-14 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: VA

Complaint narrative:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/XXXX/XXXX letting me know that the law firm was representing Capital One for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to XXXX XXXX XXXX requesting in writing a certification of the debt from the original grantor ( Capital One ). XXXX  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and XXXX # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and XXXX. I file a complain with TX XXXX XXXX XXXX, XXXX XXXX not give my information to any XXXX unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my XXXX because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
XXXX XXXX XXXX file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: IL

Complaint narrative:
Recently Equifax had a data breach. According to https : XXXX, I am impacted by this data breach issue. I tried to get my annual free credit report from Equifax, and unfortunately, Equifax website told me that they can not identify my identity online. I tried to call them, and get no answer. The only way was to sign up to their service. I believe that Equifax is using this data breach opportunity to force me sign up to their service, which is definitely improper use of my data, and is very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

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 2017-09-14 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 had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!

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