vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 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: WA

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 2017-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: IL

Complaint narrative:
XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.

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 2017-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account has been closed by XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: FL

Complaint narrative:
This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: MS

Complaint narrative:
I have tried twice to have Equifax remove XXXX medical bills that belong to my sister, XXXX XXXX XXXX XXXX. I personally called the recollection agency and checked to see if the bills were listed under my sister 's SSN and not mine. They informed that the bill was associated with my sister 's XXXX. The bills date to XXXX and XXXX XXXX. XXXX is for ambulance service totaling {$1500.00} and a medical bill XXXX {$640.00} XXXX for XXXX XXXX, both in Louisiana. I have told Equifax that because my sister and I have similar first names, someone at Equifax got us confused and placed the medical bills under my name. But if they would check the XXXX 's, they will see that the bills are not associated with my XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.

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 2017-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Our company recently leased 4 vehicles and the lease was financed by JP Morgan Chase ie. Chase Auto Finance. This was arranged by the car dealership. The bank bills our company and the lease payments are made by our company manager in a timely fashion. JP Morgan Chase for some reason has not been crediting payments appropriately ie. they get credited extra to a couple of accounts and a couple others are reported as delinquent. 

The bank representative called me on XXXX/XXXX/XXXX and it was explained to her that this was a company account. I told her that she should be calling the office as the issue will be addressed by the office manager. She mentioned that she had called and nobody answered. When questioned further as to what time she had called, as during the business hours, there is no reason why she would not be able to reach somebody there, she was unable to give me the details. It was mentioned to her that I will pass this on to the office manager and this issue will be addressed by her in a few days when she is back from her vacation. The representative was quite rude on the phone and she stated she will continue to call me. 

In a few days when the office manager was back, she called them and was told that they had made the mistake and credited some accounts extra in error. They said that it will take 20 days to resolve the issue. The office manager mentioned that, that was not appropriate as the payment had been made and the error was on their part, so they should rectify it soon. The office manager mentioned to me that the representative was rude to her also. 

In spite of everything being addressed as noted above, I continued to get repeated calls ie. 6 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 5 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX. At that point, I had to block their calls. 

Then I got a letter dated XXXX/XXXX/XXXX stating that I had fallen behind on my payment of {$480.00}. I spoke to my office manager and was told to ignore it as the matter had been addressed. Then today morning XXXX, I find that my credit score has " dropped close to 80 points '' because the bank had put in 1 late payment to my account. 

It is quite likely that this arrogant behavior of the banks and their staff is not isolated. Their attempt to bully individual customers who do not have the resources to stand up to them should not be tolerated. I would appreciate if you could look into this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

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 2017-10-30 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: FL

Complaint narrative:
This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.

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 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I am aware of how much they deduct from me Until I start noticing why my balance is still the same amount like it goes in circles, never ending payments. After I pay {$440.00} something dollars on due date, after a week before the next due date my balance is going up again the same from the last time I paid. The interest is so high so I did call a toll free number to verify if this company licensed, and to my surprise an agent said the company is not licensed at all. I am from California, the amount I borrowed was {$500.00}, at first the pay back amount was {$170.00} dollars every two weeks, 20 times, as it was stated on the agreement. Then after I paid my very first payment, there 's an option ontheir website called " loan up '', where u can borrow again but less than to what u first borrowed, and did that few times until the agreement change from {$170.00} to {$440.00}. My main concern is is this legal In California? The interest is so ridiculous high. And it is not licensed. I dobtk ow what to do anymore.

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 2017-10-30 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.

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 2017-10-30 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: MN

Complaint narrative:
When I ordered my American Express XXXX XXXX XXXX card I was promised XXXX XXXX Rewards Points after I spent {$2000.00} on the card in the first XXXX months of ownership. 

I spent more than that several months ago and I have still yet to receive my reward points despite several phone calls to American Express. 

They keep telling me Ive met the terms of the offer but no one can tell my why I have never received my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
I had not been informed of the 500 % interest rate on the loan, I was told there would be a {$270.00} finance charge, not {$3300.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This has to be illegal and they give me run around on the phone and calls keep getting disconnected

Company response to consumer: Closed with explanation