vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX  of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. 
I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. 
I expect XXXX XXXX be held responsible. 
XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster bank debt collector harrassment Its not only hurting your credit, in about 2 weeks the loan is being forwarded to an outside attorney for further collection. 
That means they could sue you on the note, garnish any job wages, put a lien on property etc. 
I just wanted you to know what was going on with it. 
In order to stop this, one payment, the XXXX/XXXX/XXXX payment would need to be made by end of business of XXXX/XXXX/XXXX. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.

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 2017-09-11 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 personal information ( potentially any of all of the following : social security number, date of birth, address, phone number, and driver 's license number ) were breached from the Equifax credit bureau 's databases and were divulged to unknown parties without my consent. Checking the potential impact on my personal information through Equifax 's online website yields a generic message that is not very descriptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I  found out via XXXX and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
XXXX XXXX XXXX does not respond to request to validate bill on behalf of XXXX. I read on Internet the  company was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: IA

Complaint narrative:
Subject : Response to ClaimIDXXXX, FLC CASE # XXXX, FILE # XXXX, XXXX, Letter dated XX/XX/XXXX + XX/XX/XXXX +CFPB XXXX dated XX/XX/XXXX + # XXXX + Office of the Comptroller # XXXX dated XX/XX/XXXX+ XXXX dated XX/XX/XXXX, CFPB XXXX, Federal Reserve Letter Dated XX/XX/XXXX, FTC # XXXX and USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear U.S. Bank, You will be receiving my Official Demand Letter today along with documentation to once again support everything i 'm stating on why U.S. Bank is incorrect, and ask U.S. Bank to provide documentation and evidence to support every statement U.S. Bank has firmly established as grounds to not compensate and reimburse me for my Claim. In addition to me asking once again, U.S. Bank to provide documentation on U.S. Bank 's " Investigation, '' which U.S. Bank has already failed to comply with FCR Laws and Regulations implemented and enforced by the FTC and CFPB for Identity theft victims such as myself. Everything will be explained again in the Documents U.S. Bank will be receiving today from the USPS, with the tracking number listed above.

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 2017-09-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I had three credit inquiries from XXXX of which two were not authorized by myself. I have attempted since XX/XX/XXXX to have this removed from my credit. XXXX has supplied me with two letters requesting that the credit bureau to remove them from my account for fraud dates XX/XX/XXXX and XX/XX/XXXX. I have disputed online several times, uploaded both letters from XXXX online to dispute, and mailed both letters to Equifax of which they are refusing to remove. I called XXXX again today ( XX/XX/XXXX ) and had them to initiate a second request to the credit bureau to have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
To Whom it may concern. 

I would like to add to my complaint XXXX from XX/XX/XXXX about Select Portfilio Servicing.. On XX/XX/XXXX this year XXXX sent a letter to the ohio dept of commerce they took XXXX out of my account because it belonged to another customer.. This is what happened I had a third party disability insurance which made payments for my mortgage which at that time went to XXXX then last yr XXXX sold my mortgage to XXXX,, The insurance company still made payments to XXXX  and XXXX sent money to XXXX.. On XX/XX/XXXX of this year XXXX sent by XXXX XXXX a check in the amount XXXX, therefore that money should be put back into my account and apply it to my monthly payments. also i want a complete audit of my account with XXXX with a mistake like this there may be others, which may effect my account. I have written to XXXX  research dept to get all the payments that they sent to XXXX. dates and amount. Once I have this paper work I will fax to you and fax to XXXX, and I will file a new complaint with the ohio dept of commerce, and to the us attorney general. 

I want to thank you again for your time and effort 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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. 

It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.

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 2017-09-11 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:
My wife and I were affected by the Equifax hack and our information was stolen. The company provides credit monitoring, but it requires users to waive their rights to a lawsuit. Furthermore, it only offers the service for one year. In addition, they will not answer their phones, or emails, in order for me to obtain a contact, so I can sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TN

Complaint narrative:
As you know, Equifax had a major data breach impacting up to 143M consumers. All information needed to ruin someone 's life was stolen. As soon as I learned about this, I took steps to protect myself though Equifax did not tell the public until months after the breach. I went to each of the three major agencies and placed a freeze on my credit and on my husbands ( with his permission ). I had to pay {$7.00} for each freeze resulting in a cost of {$45.00} ( two charges at each bureau ). I do n't feel I should have to pay this since I only did it because of the less than acceptable security Equifax had on their system. Not only that, but I will have to pay each time I need to apply for credit to have the freeze temporarily removed. I did not address this with Equifax because they have no way for a consumer to contact them except by mail. If they do have a way to contact them other than mail, it was not easy to find on their website. I would have to write letters, which is yet another inconvenience for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is in regards to the Equifax breach. I was told that I may have been infected by the breach so I called the hotline and they told me to sign up for the monitoring of my accounts. My complaint is that it is for only one year and I feel this is not long enough because a thief would wait for the year and then try to use my data. This is like a money maker for equifax because if anyone wants the protection will have to pay for something that Equifax let happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: GA

Complaint narrative:
I take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2017 XXXX XXXX got a payment from me to post into account ending in : # XXXX for XXXX XXXX XXXX in the amount of XXXX. 

XXXX XXXX did NOT post the funds into the correct account which in fact was included with account # from my bank on the check issued via bill pay my bank XXXX XXXX. confirmation # XXXX check # XXXX. 

I called 6 times and was hung up on 6 times! 
I want MY MONEY credited to the ACCOUNT ending in XXXX!!!, NOT mine! : ending in : XXXX!!! 
The company refuses to acknowledge their wrongdoing and insists that I must keep calling them for updates! 
Look, I do not know about the " lack of accounting skills '' that XXXX XXXX omits from it 's training in bllling and accounting practices, I do know they are a bunch of idiots! 

As a consumer, I do not anticipate me " working '' to correct their " XXXX ups ''. 
I expect the " company '', XXXX XXXX, be held to higher standards within their Orginazition, including adhering to sound business practices and proceedures, not this careless screw-up! 


Sincerley, XXXX XXXX XXXX XXXX cell XXXX fax!

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 2017-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX my ex husband abandoned our family and the debt acquired together. Since then I have tried to assume the HELOC in my name, unfortunately, to no avail. In the process I have requested a copy of the loan, again, to no avail. In addition, I found out that Bank of America changed my address, without permission or reason, and all of my personal and confidential information was being sent to an unknown person/address. I contacted them for years to rectify this and they refused. I did everything asked of me including sending a letter stating that never was my address and provided the correct address, which by the way is the address on the loan. With that said, I continued to make my payments through my online account, which I set up to avoid lack of payments. In the Fall of XX/XX/XXXX, Bank of America blocked my payments from the site. When I called to inquire, they stated that the payments have increased yet, still refused my payments or to send me a copy of my loan. I contacted the NYS Banking Dept who referred me to you. At this time I have been in constant contact with multiple representatives who have refused to either return my calls or help resolve this issue. They have also refused to provide information on why they sent my protected, confidential information illegally to a random address. Some of the mailings had requests that had an expectation of an answer from me and of course could not happen since I was unaware of the mailings because they were sent to an unknown person. Lastly, I recently spoke with a representative from Bank of America, XXXX XXXX, who refused to settle the loan and told me that I must file a loan modification. I am not looking to modify the loan, I am looking to be free of this loan with this bank who has taken no accountability for the trouble it has caused me. They sent my confidential information to an unknown person, they refused my payments and then put me in foreclosure, and now they are refusing to settle the loan so I can pay them off. I am begging for help. Thank you.

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 2017-09-11 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: IA

Complaint narrative:
My information was leaked in the Equifax hack. Not only was it leaked in a bank that could be accessed in bulk ( Security was far too lax in this regard ) but the company steered me off after I found out that I was affected in their check by getting me to enroll in something that makes it so I ca n't be a part of the lawsuit ensuing. 

I get that the company is a victim as well, that is unfortunate, but it should own up to it 's mistakes. Not try and exacerbate the issues people have.

Company response to consumer: Closed with explanation