vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: WA

Complaint narrative:
Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XX/XX/XXXX.

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 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: GREAT LAKES
State: IL

Complaint narrative:
CALL TO GET FORENSIC AUDIT AND " FULL VALIDATION '' AND NO RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. 

i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen Loan Svc took over my mortgageXX/XX/XXXXXXXX  Constant missing info on statements, late on paying my homeowners Ins to point I have to monitor it gets paid. They will send letters saying they have to buy supplemental Ins because not covered appropriately when insurance covers 125 % replacement. Every year. BUT MY REAL ISSUE IS XXXX DROPPED MY CREDIT REPORTING FROM LOAN ORIG IN XXXX and OCWEN REFUSES TO REPORT MY STATUS, LENGTH OF EST LOAN BALANCE, PERFECT PAYMENT HISTORY etc. Since they do not comply with reporting, It appears I only have 2.5 years of credit and I 've owned multi mortgages & middle aged. Currently Ocwen has demanded I PROVE THEY ARENT REPORTING. I did, I sent copies of yearly reports, faxed, mailed, called Research Department as instructed and told they are reporting. Gone on over 2 years. Please help me. At the end of my loan modification, my " Relationship MGR '' XXXX, promised me she would handle lack of reporting. I followed up with Research Dept requirements in addition because of poor history of honest response or actions promised. NOTHING. They pay my mortgage Ins late & my premiums go up, they do n't report perfect payment history which I have proof of all payments sent return receipt, signature required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.

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 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: World Acceptance Corporation
State: IL

Complaint narrative:
I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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 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 it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TN

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XXXX XXXX, XXXX I booked a XXXX flight from XXXX to Hawaii. While in the process of paying for my flight, a box appeared on the screen to apply for the American ExpressXXXX XXXX XXXX XXXX " XXXX '' XXXX credit card. It stated that I would get a {$200.00} statement credit if I applied for and paid with my card. I applied for the card and paid for my flight with my new XXXX credit card. After approximately two months, I did not receive my {$200.00} statement credit. I called XXXX and the person that I spoke to advised me that it would probably take about 90 days for the credit to appear. After 90 days passed, I still did not receive my credit and called XXXX again. They opened an " investigation '' and advised me to follow up on 2 weeks. Approximately 2 weeks after that, on XXXX XXXX, XXXX, I followed up and demanded to speak to a supervisor because my {$200.00} statement credit had still not been applied to my account. A supervisor named XXXX advised me that I would have my credit on the XXXX. Today is the XXXX ( XXXX XXXX XXXX XXXX and there is still no {$200.00} credit on my account. It is now approximately 140 days since I was approved for this card, booked and paid for my trip. I have still not received {$200.00} statement credit. I have no alternative but to conclude that this is a fraudulent offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
Around XXXX of XXXX I became aware of repeated charges ( as many as twice a day, in some instances ) from music and arts, I notified my financial institution of these fraudulent charges, which resulted in having my account number changed. I informed music and arts by phone of these fraudulent charges, and when I began receiving invoices by mail I would also write back telling them that this debt does not belong to me that this is not my account. 
XXXX XXXX XXXX XXXX I received a collection notice from kinum ref # XXXX for {$150.00} 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 2017-09-14 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 belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
well as you shouold know by now, i state that infact a wells fargo, and XXXX XXXX, did in fact plan and execute a and emezzled many thousands of dollars from me. then i have noticed wells fargo secuity, and also depository insurance isnt even for a person like me, i have proven over and over you wells fargo are deciving everyone. understand i will not let this rest until i have my money and justice is served.you your staff tell me just enough i know one day you will get caught. andth i would advise you do the ma

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