vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax was hacked and I just learned of the potential impact to my credit. I have worked very hard to build out my life and current situation to be where it is. They are only offering free enrollment for their monitoring program but I find their delay in delivering information unacceptable and also the way in which someone could have a field day being me. The potential impact is my detailed information which is enough for some hacker to steal my identity with my birthdate, ss number, drivers license number and then some. This is completely unacceptable. I want them to be formally investigated for failure to secure personal data. I work for a bank where we would be fined and written up for such an incident. I hope that your team does what it was designed to do and goes after this. UNACCEPTABLE breach and honestly if I am a victim I will sue them to no end. It is their job to secure and protect themselves from this type of incident. 143 million people may be a victim. I am a hardworking American and I would sincerely expect you do to something on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to Experian and XXXX as Chapter XXXX  bankruptcy. Experian 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( Experian ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted Experian personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at Equifax. XXXX has reponded that the creditor has verified they are reporting correctly which is untrue. Experian and XXXX are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.

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 2017-09-08 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: MN

Complaint narrative:
When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TX

Complaint narrative:
On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.

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 2017-09-08 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: OK

Complaint narrative:
Regarding the Equifax security breach : After following all instructions, I found that my wife and I were both affected by the security breach from 6 weeks ago. I proceeded to enroll in the credit monitoring service, at which time I encountered the following message : " Thank You Your enrollment date for TrustedID Premier is : XX/XX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. 

For more information visit the FAQ page. '' I have been provided credit monitoring service a couple of times from various breaches over the years but the enrollment was always instant. 

It strikes me as very disingenuous to provide free credit monitoring for a year while then placing the responsibility on me to not only remember an enrollment date but also a non obvious URL. Equifax is trying to " Do what is right for the consumer '' while at the same time ensuring they have to provide a rather expensive service to as few consumers as possible. 

An easy fix would be to gather an email address and email their effected " Customers '' when they are able to enroll. I put " Customers '' in quotes simply because I have never directly elected to do business with this company and if I had my druthers, I would not do business with them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: MI

Complaint narrative:
Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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: TX

Complaint narrative:
Equifax was hacked, exposing my PII. They failed to disclose this hack until more than a month after it was detected, exposing me and millions of other consumers to the very real danger of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
A collection for {$55.00} from XXXX XXXX XXXX in XXXX appeared on my report suddenly. I disputed with the collection agency, DCI, and they agreed to delete it. It has since appeared, been deleted again, and appeared again. It appears to be deliberate as they have outright ignored further requests to have the information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.

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 2017-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dream Center Education Holdings
State: PA

Complaint narrative:
The amount of {$8500.00} is being reported by XXXX XXXX XXXX as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted XXXX XXXX XXXX to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBM Services, Inc.
State: MI

Complaint narrative:
Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This complaint is against Equifax, XXXX and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to XXXX about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( XXXX & Equifax ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my Equifax credit report. These dishonest people were paid by in XXXX. They took it off of my XXXX credit report and put it on my Equifax. Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX GA- I paid this in full in XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and XXXX. However they sneaked back later and put this on my Equifax credit report. It must be deleted because it caused me to get turned down for credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I received a call from Halsted Financial this morning about a debt I did n't know I had. I requested something in writing as I did not receive whatever mail they sent me. They wanted payment over the phone, and I said they would not get any access to my bank account, that I would send a money order or cashiers check with the bill. The supervisor then spoke to my husband and said that if we did not pay it right then, he would mark the account " refusal to pay '', even though I had said I would mail in a payment. I did not refuse payment, just refused to give them electronic access to my bank account. They then threatened legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: GA

Complaint narrative:
Medical Bill with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report.
XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX

Company response to consumer: Closed with explanation