vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: ME

Complaint narrative:
Hi, My name is XXXX i was contacted by a company called Accelerated Financial Solutions on XX/XX/XXXX. Please see link to their website http : //www.acceleratedfinancial.net/ They called me from phone number XXXX XXXX XXXX.
They claimed that i had an outstanding debt to XXXX  for {$260.00}. They claimed i opened the account in XX/XX/XXXX. In XX/XX/XXXXi was XXXX. I asked for info regarding the alleged debt such as the account number, where the account was opened. They were not able to provide me with any info other than i owed them money. I have never had an account with XXXX. I reached out to XXXX to see if there was ever an account opened with my social and XXXX fraud department told me they have no account in their system with my social. I feel like Accelerated Financial Solutions was trying to scam me. After speaking with the XXXX fraud department I called AFS back and advised what XXXX had told me. The woman is spoke with was rather hostile as i asked for me info on this matter. The woman at AFS claimed that XXXX does n't keep their customer account data forever and that is why XXXX had no record of the alleged debt/account. I told them i felt like was being scammed and I do admit i was not very nice and used some not very nice words. I asked for them to mail me all the possible info on this alleged debt. They claimed they would only send me a one page document with a letterhead claimed the account would be closed.. At the end of the call the woman i spoke with claimed that it was identity theft and due to the account being opened in XX/XX/XXXX( when i was XXXX ) that the matter was closed and that i did n't owe them any money. I am not sure if you all are the right people to reach out to regarding this matter but i truly feel as these people were trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: GA

Complaint narrative:
On XX/XX/XXXX and XXXX I faxed Equifax A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Medical Bill with XXXX XXXX XXXX ( XXXX XXXX  Medical Center ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX., XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report. XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
It 's been an ongoing problem with my bank Wells Fargo for a long time, the very selective way they have cleared charges just to asses another overdraft, assessing an overdraft because of an XXXX XXXX charge it is crazy! We are 7 days into XX/XX/XXXXand I have already been assessed 5 overdrafts it 's an impossible thing to overcome I fee like a hamster running on a wheel and getting no where, anytime I call any of their people they have very little remorse they are n't concerned that over the past year or two they have stolen many hundreds of dollars from me in overdraft fees

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 monetary relief
Consumer complaint received 2017-09-08 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: OK

Complaint narrative:
Equifax compromised my credit. They then sent an email asking for me to " enroll '' in protection. What the enrollment actually did was " opt '' me out of a future lawsuit. Essentially, I was tricked.
*This is related to the recent security breech by Equifax affecting 140 mil people in the US .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help.

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
According to the site Equifax set up to check if your information was exposed my was. They then offer a link to provide free monitoring and protection. When you click on the link they give you a date on which you will be allowed to apply for the protection. The date they offered me was XXXX, unfortunately on that date I will be on vacation in the middle of XXXX XXXXXXXX XXXX and do n't really have easy access to a computer, I also do n't want to deal with this on my vacation. When I call their " support '' number all you get is a referral to help page, which does not let you get to someone to switch the date. I asked to speak to a supervisor and was told they did not have one at call center. I feel that at a very minimum they should offer multiple dates more than one or two weeks apart for signup. Ideally since this is probably just going to be an application for coverage and protection, the form should be accepted anytime. In fact years ago when XXXX XXXX in XXXX XXXX was hacked they AUTOMATICALLY enrolled all exposed customers with this same protection for a period of a couple of years. Please see what you can do to make the process for enrollment more flexible or even better yet automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: AZ

Complaint narrative:
Equifax announced on XXXX XXXX criminals stole personal information on up to 143 million people. This data that includes names, birth dates, Social Security numbers, addresses and driver 's license numbers will most likely be sold on the dark web and used to commit identity theft, credit fraud, tax fraud, fraudulent authorization data ( contacting your bank or credit card company impersonating you ). I went to their website and they stated I may be affected. When I went to their site to put a credit freeze on my account they want me to pay {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I took a mortgage loan from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. md XXXX, phone XXXX XXXX XXXX on XXXX. 
XXXX, the house was foreclosed and sold in public and the credit union took over the property. 
Now the credit union reported to the three credit bureaus a foreclosed date of XXXX which was wrong and secondly they put a balance of {$67000.00} due to be paid by me why in actuality, the account was charged off. I had disputed this several times, with the credit bureau and results came back unchanged. 
This had resulted in my inability to secure a mortgage loan for a new house or reasonable loans to do business. 
I had contacted XXXX XXXX several times to correct this information but to no avail. Please mediate in this matter.

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 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.

Company response to consumer: Closed with explanation