vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My Paypal account based on my email " XXXX XXXX XXXX '' still remains restricted, specially for sending and receiving payments. In spite of Paypal promising me that my account would be lifted of the restrictions, that did not happen as when I login I am offered to receive an automated phone call but as my landline has changed, that is not posible at all. When I call the XXXX Call Center of Paypal, it has not either been posible to reach a solution as my current landline number differs to the original entered in my Paypal profile. 

I have to point out that after my 2 previous complaints through the CFPB, there were some advancements, however the main inconvenience, i.e,, the limitations still affecting my Paypal account do remain and that is a major problem for me as I do need a Paypal account for personal and working reasons. 

Paypal imposes non-sense and stupid restrictions, such as that a bank account can only be linked to one Paypal account and not to second one so when I attempt to open a second Paypal account under a different email address Paypal does NOT allow my XXXXct bank account to be linked to a new Paypal account. That is a XXXX and XXXX rule from Paypal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
A roommate used my social security number and forged my signature to get medical help. This collection was previously deleted when the collection agency could not provide identification used at the time my information was used. They simply provided an invoice with my social security number and a forged signature. NO ID showing me as the debtor has been provided! It 's well documented that this company uses false and illegal tactics to collect money from innocent victims. I feel sorry for all the people that have had this same experience with this company. The fact that I have never had a collection against me and have perfect credit otherwise, why would n't I pay this if were really mine? I pay my bills.

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 2017-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Damage credit

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 2017-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I believe Equifax is in error regarding their completed Investigation of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the hard pull inquiries are valid or not. The dispute centers on the CRA 's ( Equifax 's ) right to REPORT the hard pull inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the hard pull inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the hard pull inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified hard pull inquiries MUST BE DELETED from my Credit Report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.

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 2017-09-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 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: MS

Complaint narrative:
Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: VA

Complaint narrative:
My information was compromise in the Equifax security breach on XXXX XXXX, XXXX. Also, why did the public just learn of this breach in XXXX when Equifax knew in XXXX? Equifax should pay to have my credit frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in a dispute letter to remove inquires to Experian on XXXX XXXX and I have not received a response back. I have tried calling Experian on XXXX XXXX and XXXX asking for status of the letter. I also have tried disputing the inquires over the phone. I am told that there is nothing they can do and they will remain on my credit report for 2 years. I did not authorize the inquires and I advise them they were not done by me. I was told to contact the companies to have them removed and I have tried that as well and the companies do not have any information on me or who I am, they told me to contact the bureau because obviously they were entered in error on my report. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. I would like the below inquires to be removed from my credit report and for the reason that Experian did not respond to me in 30 days and just ignored my previous attempts to dispute the inquires. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5.  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 2nd issue : I have contacted Experian on XXXX XXXX and XXXX XXXX about a bankruptcy reference XXXX that is showing on my credit report that is not mine. Both times Experian stated that account was verified as being accurate but failed to provide any documents on how it was verified and with who. According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. I would like this judgement to removed due to Experian being able to verify or show proof that I own this account.

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 2017-09-10 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.

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 2017-09-10 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: ACS Education Services
State: TX

Complaint narrative:
There are XXXX XXXX Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: MD

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 through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. 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 2017-09-10 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:
On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: NJ

Complaint narrative:
In the likely chance my SSN was stolen, I am now under risk of fraud FOR EVER. SSNs do not change.In fact, it is likely that criminals will wait at least a year before using the stolen information, which is when Equifax 's free credit monitoring service will expire. 
The fact the Equifax is offering anything else than lifetime protection is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have a XXXX credit card account with HSBC Bank USA, N.A. ( Bank ). 

During XXXX and XXXX XXXX, the Bank launched a new account servicing website for its personal ( consumer ) banking services. The website permits consumers to access and take action regarding numerous products, including deposit accounts and credit card accounts. As of XXXX XXXX, XXXX, at least, if not for the entire time since it 's launch, the new website effectively buries the option to make or schedule a payment toward a credit card account. It can only be accessed by clicking a small, inconspicuous " View Details '' hyperlink on the account servicing page to launch a legacy website that contains the payment option. See attached screen-capture. This is not obvious in any way. Additionally, the View Details hyperlink will only launch the legacy website IF the consumer 's web browser 's pop-up blocking option is disabled. 

I did not sustain any injury as a result of this extremely notable design choice or defect, but only because I was willing to wait over 40 minutes to access advice ( via telephone and " Live Chat '' ) from a customer service representative who explained how I could access the payment option on the legacy website. Other consumers, however, might have sustained injuries by not being able to make or schedule a timely payment toward their credit card accounts. It is inconceivable that the Bank could have launched the new website without including a clear option by which to make or schedule a payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TX

Complaint narrative:
Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX/XXXX/XXXX Using information provided by Federal Trade Commission XXXX XXXX XXXX, I tried to obtain my FREE Annual Credit Report from TransUnion. After completing the requested/required information I received " System Error '', " We are experiencing technical difficulties.... ". Then a screen popped up " Thank You! Mark your calendar, so you remember to come back in 12 months! '' With all the problems with hacking in the world today, I would think that someone wanting to make sure that their credit was n't being ruined could expect more than this. 

Is this also a scam, is there really a breach at XXXX, or are the " Credit People '' just trying to put another scare into law biding citizens and trying to get more money out of them by getting them to purchase XXXX XXXX, XXXX XXXX, etc. programs.

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 2017-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number XXXX account was never late XXXX, XXXX, XXXX or XXXX days or beyond.

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 2017-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.

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