vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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 2017-09-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc.
State: UT

Complaint narrative:
Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

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 2017-09-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles 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 explanation
Consumer complaint received 2017-09-13 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: CA

Complaint narrative:
I was approved for the Platinum Delta SkyMiles Credit Card from American Express on XX/XX/XXXX ( see attached Approval Letter ) under a welcome promotion of XXXX delta miles for {$4000.00} in spend in 4 months as well as a {$100.00} statement credit for a Delta purchase in the first 4 months. Despite meeting the spend on my XX/XX/XXXX statement by spending over {$4000.00} ( I spent {$4100.00} between XX/XX/XXXX and XX/XX/XXXX to be exact ), and spending {$100.00} on XXXX XXXX on XX/XX/XXXX ( see XX/XX/XXXX statement attached ) I have yet to receive my XXXX bonus miles or my {$100.00} statement credit. I have been in contact with American Express ( and opened up an investigation as well, investigation # XXXX ), and was told this was a problem affecting numerous customers and would be fixed by XX/XX/XXXX. This has not yet happened. 

The offer was public and available to all applicants and I have not yet had a Platinum Delta Skymiles Credit Card that would prevent me from receiving my bonus. There is no reason why American Express should be withholding my miles when it is a common problem and there is nothing to investigate other than if I met my minimum spend and spent money on delta in the first 4 months - both which have clearly occurred, as the documentation shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: SC

Complaint narrative:
Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.

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 2017-09-13 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: MD

Complaint narrative:
Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Drake, Meyers, & Associates
State: AL

Complaint narrative:
A rep called my place of employment and threatened to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: MN

Complaint narrative:
Equifax failed to properly secure my personally identifiable information, leading to a breach which exposed the information of myself and nearly half of all Americans. The public was not notified promptly, and Equifax executives used this opportunity to sell stock to protect themselves rather than the public whose information they abused. I did not receive any information directly on this and instead learned about it through news reports. Equifax is only offering one year of credit monitoring, which is completely inadequate since this breach will cause security issues forever for anyone whose information was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.

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 2017-09-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I went to the official free credit report site and tried to get reports from the three agencies because of the recent major breach of security. 

I tried several times ( going through all the rigmarole of entering my information correctly each time, and the captcha at the end ) but when I went to the XXXX and Experian websites, they both said they were loading but ended up with a blank page after they were done loading. 

I do n't know if the site is overloaded, but this is extremely poor performance, and the contractor responsible for of the site should be penalized for this failure.

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 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX deposited {$1400.00} into ATM WellsFargo XXXX XXXX on XXXX XXXX, zip XXXX. 
Machine jammed, machine asked me to enter the amount I deposited. I entered {$1400.00}. Machine printed receipt saying {$200.00} of deposit is available today the rest will be available on XX/XX/XXXX. The machine closed down to any other users at time. 
My account was not credited the remaining {$1200.00}. 
I filled a complaint in the branch. The credited my account till they did a investigation. 
6 weeks later they completed their investigation, told me the machine balanced and debited my account {$1200.00}, causing overdraft. 
I do n't know what to do, I have no proof and feel completely powerless. At time of deposit I had {$2000.00} in my account. We have banked there for 9 years. We have a Wells Fargo Credit Card with a limit of {$18000.00} that we built up from {$5000.00}. We are upstanding members of the community with no criminal records, which is more than I can say for WellsFargo. 
Please advice me, {$1200.00} is not a fortune I know but substantial for me, I cant just swallow a loss of {$1200.00}. 
I cant understand how this could happen and the emphasis is on me. I put money in my Bank and its gone.

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 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XXXX XXXX, XXXX, I added a debit card to my PayPal account, and completed a large purchase with XXXX. Using PayPal as the payment provider ( and using the debit card as the payment source ), the transaction completed. 

An authorization charge for {$20.00} was posted at this time. 

On XXXX XXXX, XXXX, XXXX the payment fully went through with the following description on PayPal : " XXXX XXXX You 'll see " PAYPAL XXXX XXXX '' on your card statement. 
on XXXX XXXX, XXXX '' I did not receive any following communications from either PayPal or XXXX. I received my product and everything was fine. Until earlier this month, I got an adverse action notice stating : " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is {$3500.00}. '' I checked with the card provider and I can verify that the full amount was charged to my card on XXXX XXXX. 

Therefore, PayPal is asking that I pay a debt I do *not* owe. 

I called them today XXXX XXXX XXXX, XXXX ) and they said my card was declined which is why I was " fronted '' the money. Of course, this is absurd. If the card was declined, then they would have stopped the transaction instead of asking me to pay over {$3000.00} in debt. 

This is crazy!

Company response to consumer: Closed with explanation