vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: VA

Complaint narrative:
On XXXX17 I went to the Equifax site that was supposed to show you whether or not your account had been hacked after their announcement. I paid the {$10.00} each for my wife and I to freeze our accounts on Equifax, XXXX  and XXXX. However, I found out that the website given by Equifax, would note that your account was probably one of those taken in the hack, no matter what name or number that you inserted. This site noted by Equifax was basically a lie. 
I believe that the Equifax security breach is the biggest con ever pulled on the American people. If you review the facts, Equifax says that about half, or XXXX million accounts were hacked. Then they lied about the website that they set up for you to see if yours was one of the accounts. You can put in any name and any number, and they say that yours was probably one of the ones hacked. THEN they charge you {$10.00} to freeze your account. Just suppose that the breach did n't happen, and at least 100 million of the accounts is frozen by card owners, at {$10.00} each. Equifax would have to do absolutely nothing, and they would put {$1.00} billion profit in their coffers. The other 2 agencies would say nothing, even if they suspected, because they charge {$10.00} each to freeze your account in their system also -- -- -and bingo,  they also would profit by at least {$1.00} billion.  Whomever has jurisdiction over these agencies needs to verify, absolutely, that the breach occurred, or this could be the greatest con ever attempted on the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: DC

Complaint narrative:
Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
This is in reference to XXXX XXXX 's CFPB # XXXX, I just need clarification from BOA in regards to XXXX XXXX 's statement and response letter. XXXX XXXX is stating the Case XXXX originated from BOA not XXXX XXXX. Can BOA Confirm and agree with XXXX XXXX 's statement? I '' m attaching the document in reference to XXXX XXXX 's allegations.

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 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See uploaded attachments. TranUnion forces account set-up to obtain a credit freeze. The identifying account 'security ' questions may have been established 10 's of years ago to gain access, for example for me " what is your favorite car ''. Since I ca n't recall what was submitted the next steps involve contacting Transunion who did not answer the phone and next cut off the call, and gave me a new # to call trying to sell more products without fixing the problem.. 

Enormously frustrating and unnecessary. Do I really need to remember my favorite car from 15 years ago to put a credit freeze on my account on-line? 

XXXX now was easy, a few clicks of identifying information and the security freeze was in place with a confirmation #. 

Transunion appears to purposely under-support consumer efforts to set up a credit freeze, anything not aligned with them selling a preferred product. This needs to be better regulated, more accessible, a complete waste of my morning chasing this down, still without resolution.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: MS

Complaint narrative:
In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: National Consumer Telecom & Utilities Exchange, Inc.
State: MO

Complaint narrative:
On XXXX XXXX, 2017, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). The FTC provided me with an identity theft action plan, which included requesting my free credit report from the National Consumer Telecom & Utilities Exchange ( NCTUE ), because of the fraudulent XXXX account. 

On XXXX XXXX, XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use NCTUE 's phone numbers to request my credit report. On the best of occasions, I get to the point where it says it is ordering my Credit Report and then it says it can not process the request.
NCTUE 's website does not permit me to directly request/access my credit report.
NCTUE 's website does provide a mailing address to request this information ; however, it does not provide any indication as to WHAT is required for me to send to actually get my credit report. Given the lack of security surrounding CRAs right now, I do not want to send more information than necessary. NCTUE has no way for me to verify what information they need and the phones are not working. I am the victim of identity theft and need this report, but can not obtain it from NCTUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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:
Equifax did not take proper steps to protect my credit information from hackers and it has become compromised. This places me at higher risk of identity theft because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax changed my name without my authorization or any request from me to my maiden name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 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:
On XX/XX/XXXX I received news that Equifax ( Company ) had went through a cyberattack. I have viewed the Equifax website for more information, and enrolled in the Equifax security breach mechanism. This latter part was to determine if my social security number was compromised. I received a message confirming my SS compromise and, subsequently, attempted to place a 90-day initial fraud alert on my SS account. However, the website was unable to do this as it is under high stress attempting to resolve the issue for millions of people ; I will have to wait until a later date to refill the initial 90 day fraud alert. Next, I attempted to view my credit score at XXXX, but was unfortunately greeted with the message that they were unable to fulfill my requests. I believe they too are under high stress resolving issues for millions. And so, I come to you now, filing a complaint : I would like to place a initial 90 fraud alert from Equifax, XXXX, and XXXX on my SS account. I have reason to believe my SS account has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had contacted the credit bureau in reference to these unauthorized inquires back in XX/XX/XXXX showing on my credit report. I was told to contact the companies and did so. I was told that there is nothing they could do. 

Creditors name : XXXX XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX/XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : 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 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I am not a professional and am not an underwriter and am at the mercy of the mortgage assistance specialist with Flagstar to best direct me and stay on top of follow ups to help me COMPLETE a package for mortgage assistance. Ive been forced to file for bankruptcy to allow them the time to be able to assist me and again they are refusing to help me prevent this foreclosure due to some deadline date they are escalating with this avoidable foreclosure. I have tried BK and nothing they continue to neglect helping me in preventing the foreclosure.

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 2017-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After a legal name change my credit card was no longer updating on my credit report. I asked Transunion to investigate and they completely removed the account. I reached out to them in XX/XX/XXXX to  alert them that the account should be there, they said if XXXX submitted the information it could be added back. XXXX confirmed they are submitting the information. I followed up in XX/XX/XXXXand Transunion once again claimed that chase had not submitted the information. XXXX Confirmed they were submitting the information to all three credit agencies. Transunion supervisor said he found the information and it should be on the system within 20-30 days. I followed up again in XX/XX/XXXX. After multiple calls to XXXX and Transunion I was ultimately told by trans union they would not allow the account to be added back. 

This is my oldest account and 2/3 of my available credit. My Transunion score is showing 25 points lower than the other two Credit companies because of this.

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 2017-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX we have taken steps to freeze credit reports at all 4 know agencies : Equifax, XXXX, XXXX, and XXXX. This is in response to the significant security breach and theft of personal information from Equifax in XX/XX/XXXX. 

XXXX and XXXX have charged {$10.00} each form myself and my wife, for a total expense of {$40.00}. ( Equifax and XXXX have no charge for this service. ) However, we believe that Equifax 's official response to the breach inadequately protects our identity. Credit reporting alone is insufficient. We feel that the company should reimburse us for the time and expense of freezing or credit reports. We should also be allowed to temporarily lift credit freeze at no additional charge with all of the credit bureaus as required for normal financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
Made a payment to discover student loans on XX/XX/XXXX. I paid {$240.00}. I wanted the {$140.00} to pay for my minimum monthly payment the remainder to go towards principal. 

Today, XX/XX/XXXX, I see a payment posted of {$94.00} and nothing about the minimum payment being posted. My minimum balance says {$50.00} is due. How is the there still a minimum payment due when I paid the minimum amount and extra towards principal? I called the rep on XX/XX/XXXX and they do n't know what 'll happen to my extra money. They said they do n't know where it went. They said it 'll take 7-10 business days to resolve. I find this unacceptable since I made the minimum payment for XX/XX/XXXX way ahead before the due date and now, I risk possible penalty because of their error? 

Can you please file a complaint with discover about once again incorrectly applying payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX XXXX XXXX  When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the XXXX XXXX XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

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 2017-09-18 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX, XXXX, and XXXX all showed my name and report as having an account with Citibank Credit Cards. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all.
I have contacted Citi Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

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