vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: GA

Complaint narrative:
This is in regards to the major information breach and Equifax. 

Equifax indicated that my personal information ( all personal information they had, which is nearly everything as far as I know ) was breached and leaked. Reports indicate that Equifax woefully mismanaged their information security as well as their response to this breach of the personal information of 140 million Americans. 

I do not believe that Equifax has responsibly handled their duties to protect consumer information. 

As such, myself and many, many millions of others are now at constant risk of identity theft and fraud for the rest of our lives. This is deeply unfair and unjust - and Equifax now wishes to charge fees for their 'services ' to protect us from fraud, giving them more personal information to handle. Put very simply, this is extortion. Equifax put our information at risk and now offers to extort the public for 'protection. ' As of today, there is precious little the consumers affect can do aside from placing temporary fraud alerts. These only last 90 days - which is hardly solace now that we face a lifetime risk of fraud and identity theft. As of XXXX/XXXX/XXXX I 've place 90 day alerts with two credit report bureaus, and am in the process of placing one with the third. 

Equifax needs to either compensate every single affected consumer for time and resources spent protecting ourselves from the risk they 've exposed us to. To resolve the issue, Equifax must work with other credit bureaus and federal agencies to fully reset the way credit is checked in our country. As of this breach, credit reporting is essentially WORTHLESS, as more than half of all consumers info is now potentially incorrect, unreliable, or stolen. The system needs to be reformed and consumers compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: KS

Complaint narrative:
XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS 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 explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: IL

Complaint narrative:
Trans Union. I put a freeze on my credit reports with all agencies online on Sunday, XXXX XXXX, 2017. The  only problem was with TransUnion. I was asked to answer a security, my father 's middle name. In trying to access the account the security question was different, my favorite car, a question which I never would have answered. Account froze : call XXXX. I called the number on the on Tuesday morning about XXXX XXXX  The transmission was exceedingly poor and no help after asking all the questions : SS # address, etc. Then, I was given another number to call XXXX. Again a terrible transmision, same questions and no help to simply access my online account that I started. Finally, I was told to use the line number for online accounts, XXXX, but this number was not posted online. Again very poor transmission and no resolve to the online problem, but finally at XXXX, I think, they indicated that they will send me a code in 5 or 10 days. This is the only agency that put up so many road blocks to put a freeze on my credit report.

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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

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 2017-09-19 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: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery service us trying to collect an invalid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase checking account. 
At XXXX, XXXX XXXX, XXXX, my account was showing a positive balance of {$15.00} with numerous items pending from over the weekend. 
At XXXX XXXX on XXXX XXXX, my balance is now showing $ XXXX due to two items that caused the account to go negative and the two overdraft charges. 
Chases policy is that if the account is brought to a positive balance the same business day, the overdraft fees will not be applied. As I mentioned above, at the end of the day, the balance was positive. They took the debits out the following day and backdated the transactions to cause the overdraft. As soon as I knew about the overdraft, I deposited enough to bring the account to a positive balance ( except for the overdraft fees ). 
Chase has done this several times and debits the items when we are not given a chance to make the account current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 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: TX

Complaint narrative:
I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: KY

Complaint narrative:
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: KY

Complaint narrative:
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 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 explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: GA

Complaint narrative:
I have sent many dispute letters to Equifax and XXXX in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX we have a loan with caliber home loans we receive a letter about our r home that we were advised that we were 10 months behind we made every payment we have proof of all payments me and every payment was made we are now losing our home it 's been very embarrassing people coming over asking to buy her home I had to quit my job my housben works in New York and ihave stayed home to figure out what exactly is going on because I could not focus on my job please help us figure out what we need to be done we have payments every bank statements of every payment that 's been done my number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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 had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.

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 monetary relief
Consumer complaint received 2017-09-19 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation
Consumer complaint received 2017-09-19 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 sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.

Company response to consumer: Closed with explanation