vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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:
I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: CA

Complaint narrative:
Unable to contact Equifax after learning that my data " may have been '' compromised to find out how to protect myself from identity theft and/or fraud. 

I have tried phone calls ( various numbers ) for the past two weeks but can not reach a person. I have tried to cancel my account by email, postal letter and phone to no avail. At the same time, I signed up for their " supposedly '' free identity theft and monitoring service www.trustedid.com but can not reach anyone or manage the new account as the website is " not available ''. 

Frustrated and concerned - Equifax is abusing its consumers and their management may be criminal in their conduct. Write your congressional representative!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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 utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i did not receive a bill and when i called they added fees and i have called a bunch of times

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 2017-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every year I call to cash out my rewards points and Bank of America always adds an additional XXXX points as a " thank you '' for being a long time customer. Every year these extra XXXX points take about 3 to 7 business days to process and they are ready for me to cash out. You will be able to pull my history and see this fact from prior years. 

This year I did the same process on XXXX though for some reason the XXXX points were still pending after the above time frame. On XXXX I spoke with BofA Rep XXXX and he apologized, said it should never take this long and gave me an additional XXXX points for the trouble caused. Plus he said he was writting up an Expedited email, Ticket # XXXX to make sure all XXXX points would be available to cash out on XXXX. 

On XXXX the points still were not processed so spoke with BofA Supervisor XXXX XXXX at XXXX who PROMISSED that the points would be ready for me to cash out XXXX. You can pull the recorded calls on both the above BofA Reps to confirm what they promised. 

On XXXX the points still were NOT processed. So I spoke again with XXXX and he and his Manager XXXX XXXX at XXXX pulled both above calls and bottom line, XXXX came back to the phone to say he and XXXX made a mistake in their promises. 

However will honor the above additional points though it would be ANOTHER 7 to 10 Business days. Please note, this time frame is just to approve the points,  it takes an additional 10 business days to receive the actual check. 

I asked that since the agree, it was their mistake, to owner what the Reps said and approve the points immediately and to send the cash out check via priority mail. XXXX said NO! So I filed a complaint with BofA Corporate office XXXX XXXX, Manager XXXX XXXX in the Delaware office. 

Received a call from XXXX XXXX on XXXX basically going over AGAIN why they will not expedite this process then said, " I am just going to be blunt, you should find another credit card company! '' Unacceptable so now I do not know if XXXX is now preventing my points from processing. Plus, you should never speak to a customer this way.

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 2017-09-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Recovery Solutions, LLC
State: OH

Complaint narrative:
A XXXX XXXX left me a voicemail that he did n't know why I do n't return my important phone calls and I needed to call right away. When I called him i told him that I had just had XXXX XXXX and was not able to get to the phone he asked me to verify myself I told him my birthday he told me that I was in default and needed to pay because my loan was in a collection agency. I told him I had just graduated and was told that would n't happen until 6 months after I graduated. He said he had me graduating a year prior. I told him he was not correct. I told him that I was starting XXXX XXXX and was under the impression that my school loans would be differed. He said not for private loans. I said I have only got loans through the school. He said they had sent me letters about my loan payments and He asked me to verify my address I said my address is updated with the loan company so I am not sure why they do n't have the correct one. He gave me an address that I had never lived at. I told him that I would call into my school loan agency and get it resolved. I told him that when I completed XXXX XXXX I was going to do the program to rid of my loans after working for a XXXX XXXX for 10 years. He told me if I did n't make a payment then it was going to ruin my credit. I told him I already had bad credit because of my ex husband that I was not working because I just gave XXXX XXXX XXXX XXXX and I would look into it. When I called into check they said all my accounts were in good standing and differed. Then number they are calling me from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc.
State: LA

Complaint narrative:
For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: IN

Complaint narrative:
I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have an in-school deferment. While I 'm in school, my subsidized loan interest is being paid for by the government. I want to pay for my un-subsidized loan interest so that my loans will not grow larger by the interest being capitalized. This company does not post the dates that the unsubsidized interest will be capitalized and the amount of the unsubsidized interest amount on their website nor do they send me statement that I can pay. Therefore, I believe they are on purpose keeping this information from me so that they can increase my loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.

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 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX 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 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX XXXX XXXX account in XX/XX/XXXX. The account came with a promo code which I applied. The promo code is XXXX. The promotion that came with the promo code was for {$200.00} if I deposit {$10000.00} or more by XXXX XXXX, 2017. I met those terms. XXXX XXXX XXXX will not issue the {$200.00} that I am owed now. I want my {$200.00} as I have met the terms of the bonus and have waited a substantial amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I checked my Transunion credit report and noticed there was XXXX hard inquiries. I did contact Transunion and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted Transunion to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. Transunion need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that Transunion offer to their consumers.

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 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: OR

Complaint narrative:
I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief! 

Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing? 

Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval. 

I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.

Company response to consumer: Closed with explanation