vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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: AZ

Complaint narrative:
My data was affected in the Equifax data breach. I 've attempted to put a security freeze request with them, only to face a busy signal when attempting to call, and a " System currently unavailable - Error 500 '' error on their website when attempting to do this online. A similar error is given when attempting to place a 90 day fraud alert on my file. I 've attempted to do this for several days in a row, being met with the same end result. If I 'm unable to even respond in a proactive manner to this breach once realizing I 've been affected, I 'm left vulnerable to the devices of whomever has stolen my data. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!

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 — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.

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: UT

Complaint narrative:
I 'm logging my official complaint with the CFPB regarding the Equifax data breach and their handling of it i.e. delay in notifying consumers and/or the proper authorities about the leak, improper/ineffective response to the leak in supporting consumers affected by the leak, and an outright disregard of the consumers they 're expected to protect. 

At present, I have no way of knowing how my information has been compromised in the slightest degree. I am faced with preemptively securing my identity and my credit from improper usage. This has taken hours of my time so far and will continue to require untold hours to resolve.

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:
In response to the XXXX security breach, I attempted to place a freeze on my credit report with XXXX and TransUnion and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay XXXX XXXX or TransUnion 's {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both XXXX and TransUnion along with 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 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
I never had a account with this company and they are listing a debt which XXXX XXXX Report. This account has a false balance and is list with a company I never done business with Aargon Agency Inc.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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: MI

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 2017-09-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX TransUnion sent me correspondence explaining they could not use the documents I sent to them relative my validation request. 
My letter dated XX/XX/XXXX requested validation pursuant to 15 USC 1692g Sec. 809 9 ( b ) of FDCPA in relations to XXXX XXXX accounts # XXXX and XXXX. However what appeared on the attached Federal Trade Commission Id theft Report # XXXX, was intended for XXXX and XXXX. The portion of the inquirers listed on the report was directed to all bureaus. 

I was thinking the inquiries would have simply been removed under section 605B, as a victim of identity theft. Instead, they sent me a TransUnion Identity Theft Victim Assistance Affidavit, when they received my identity theft report.

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 — Account information incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks XXXX 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 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX ) I attempted to transfer my Ultimate Rewards Points from my XXXX XXXX XXXX card to my husband 's XXXX XXXX XXXX XXXX account - note that these are separate account lines and not additional authorized user accounts. 

XXXX XXXX While this is possible online, the UR website returned an 'unexpected error '' whenever I tried to add my husband 's credit card in order to initiate the transfer. I called I called XXXX on XXXX/XXXX/XXXX to ask them to manually transfer. 

XXXX XXXX The agent informed me that I would need to add my husband as an authorized user to my card or vice versa in order for us to transfer and that she can not complete the request otherwise. 

XXXX ) Note that this option is not free - an annual {$75.00} is charged for this particular credit card to add an authorized user. 

XXXX ) The terms and conditions of the card clearly state that Ultimate Reward points are transferable within the same household with NO OTHER PRECONDITIONS - and my husband and I have the same billing and mailing address etc on file with XXXX. No where do the terms and conditions state that a transfer of UR points between household members requires the members to be authorized users! 

XXXX XXXX My husband had successfully transferred XXXX XXXX to my account from his on the same day without having added me as an authorized user to his account - so the solution in # XXXX can not be true. 

XXXX ) I calmly explained these facts to the agent who was unmotivated in arriving at a solution other than to tell me that I need to add my husband as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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: NY

Complaint narrative:
On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true

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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
starting in XXXX 2017 until XXXX 2017 i have had serveral unauthorized charges on my Chase checking account. Chase Bank has denied refunds for most of these unauthorized charges.

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: MO

Complaint narrative:
My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from XXXX XXXX, 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