vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am starting a new complaint because I did not include enough documentation and receipts in my original complaint and Chase Cardmember Services accepted the challenge by the merchant stating the merchant provided documentation ... which advises that the services were rendered as they should have been and no credit is due you. 

The contract for service was signed with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX 's license to do business in California as a " Contractor '' expired on XX/XX/XXXX BEFORE he completed the job.. XXXX XXXX XXXX XXXX did not follow the California laws regarding downpayments and progress payments. He never provided an invoice for the payment he demanded to my corporation, XXXX XXXX. He provided a statement of the services he rendered and the amount due him ONLY to Chase Cardmember Services and this was provided 3 months after his license had expired. The statement of amount owed him was higher than the contracted price. His invoice did not match the agreed upon amounts and he failed to provide XXXX XXXX with Extra Work and/or Change Orders for XXXX XXXX 's approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: WA

Complaint narrative:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to freeze my credit with TransUnion, but their website TransUnion.com/XXXX is blatantly advertising their credit monitoring service there, and makes the actual links to get to the page to freeze your credit very hard to find. Specifically, the link is at the very bottom in step 5 under " About credit freeze '' AFTER they suggest a lock by enrolling in their paid subscription service. This is a blatant attempt to financially take advantage of consumers in the wake of the XXXX breach. I did not fall for this trick, and personally need no resolution. However I want to report them for dishonest and unethical behavior in the hopes that they will make their credit freeze page straightforward and not deceptive.

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 2017-09-13 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: WA

Complaint narrative:
Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from Experian and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

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 2017-09-13 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: LA

Complaint narrative:
According to Equifax, I was one of millions of consumers affected by the recent data security breach. My social security number ( in addition to other sensitive information ) was accessed by an unauthorized third party due to the insufficient security measures in place over their electronic systems. I am now at much greater risk for identify theft. I 've placed a fraud alert with the credit bureaus. Equifax has offered free credit protection for a year, but only if I waive rights to participate in any class-action lawsuit. 

Regardless, now that my information has been leaked, I will always be at greater risk for identity theft. I can only take measures to mitigate this already growing risk of identity theft at my own personal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: MA

Complaint narrative:
On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late

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 2017-09-13 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:
Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.
Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. 

Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. 

The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on 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 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: OR

Complaint narrative:
Hello, As you 've of course heard, the latest EquiFax data breach has compromised the financial security of over ONE HUNDRED MILLION PEOPLE.
Now, to protect ourselves, we have to put a freeze on our credit. This would n't be so bad if we did n't have to pay out of pocket. The fact that we have to pay {$30.00} to freeze our credit, to protect our most important information, because of this huge leak, which is 100 % EquiFax 's fault, is ridiculous. 

Freezing our credit should n't cost a single penny. This should be a free service. It 's like being assaulted, then paying the police on the side for protection. This is n't fair, it is n't right. 

Please, help us! We need you now more than ever. So many of us feel vulnerable, and like we have no control over what happens about this. We need your help, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I accidentally pulled more money out than I should have from my account and one of my monthly Fedloan automated student loan payments did n't go through. However, Fedloan has a practice of trying to pull the amount 3 different times every 24 hours. So I discovered this after Fedloan 's 2nd attempt and had already been charged {$70.00} in overdraft fees.
I 'll make a separate issue for overdraft fees since that 's a problem for my bank. But why is Fedloan trying 3 different times? They should only try once and if it does n't work, notify me so I can pay through a different method.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Company continuously call me everyday, 4 times a day, trying to collect a debt that has been discharged in  bankruptcy. I have asked them to stop contacting me and referred them to my lawyer, but they continue to call!

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The data breach from Equifax is unequivocally the worst violation of my personal information that 's ever occurred - and it 's all a result because a company has highly personally identifiable information stored without my express consent to do so, all in the name of profit. This is exemplified by the fact that I 've had to pay Equifax to freeze my credit account - those at fault for this incredible fumble of cybersecurity - in order to protect myself from their total ineptitude. Add to this their flawed website to determine if you 've been compromised ( created for some reason under a different domain, as if to somehow demonstrate that they are in fact scam artists ) and their half-hearted attempt at avoiding lawsuits through their surely worthless " protection plan '', and you 've got a boatload of " too-little done '' and " too-late now '' arguments and evidence to render these companies essentially ticking cybersecurity time-bombs. To add insult to injury, Equifax 's automated freeze phone tree ironically froze and asked me to call back later, only to inform me that my account had already been frozen without ever providing me the PIN. It will surely be a blast dealing with this company personally when the time comes to thaw my account. Furthermore, in a stand of solidarity, XXXX enacted their own exploitative protection plan ( apparently a prerequisite for credit companies ) in order to make a quick buck off of people who are both frustrated and confused in their time of need.
The fact that a government agency is not available to protect us from these bumbling idiots is frankly ridiculous, and having to pay them for their own mistakes is downright absurd. It 's insane as somebody who works regularly with protected health information and personally identifiable information that entire companies lacking such basic protections and bizarre practices ( such as Equifax using a timestamp as a randomly generated PIN and providing random results on their flawed compromised website ) can be trusted with such sensitive information with little oversight. This is compounded by the fact that they have regular access to this information, which we as consumers do not ... The vast majority of whom would never consent to such invasions of privacy if it was possible to navigate the modern world without. Save living totally off the grid and storing money under the mattress, where else is one supposed to go? It 's unfortunate so many were forced to put blind faith in a company of scammers, but we were never provided a choice we needed, nor the protection we deserved.

Company response to consumer: Closed with explanation