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

Complaint narrative:
I have submitted numerous complaints in regards to equifax credit reporting agency. Today upon checking my credit score on XXXX XXXX my score went down another 35 points. Equifax sent me a letter stating they do not work with the other credit reporting agency 's and basically my complaint and additional supporting information I uploaded to them does not matter. I have wrong information reporting on my equifax credit report. XXXX XXXX XXXX is one of them. This has been going on for over 6 months now. This account was deleted off my XXXX credit report so I uploaded the proof to show equifax that they company deleted it off my report and the investigation I put in again with equifax should have received the same response. Then I get this letter stating they do n't work with the other credit reporting agency 's?. I contacted XXXX XXXX XXXX again and was told the same thing. They will respond to delete off my report. I do n't appreciate having this account reporting on my equifax report as it is affecting my credit score and credit worthiness. Equifax is not working with me and I feel I am just being blown off at this point. This is my credit and I have full expectations for them to correct the situation. Again as I stated earlier I have been disputing and trying to correct this for over 6 months now. I 've uploaded substantial proof that the account to be removed and still it 's reporting as charged off to a bad debt. On top of this those charges were fraudulant charges made over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late

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 2017-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late

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 2017-09-09 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:
I was told that my credit information was safe and secure with Equifax. However, my personal information is at risk due to the recent cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I found a cashiers check dated back to XX/XX/XXXX that I had misplaced in the amount of {$5000.00}. issued by XXXX XXXX XXXX located in XXXX Ca. 
I deposited it in to my personal checking account at XXXX XXXX on XX/XX/XXXX. I was notified by XXXX  XXXX that XXXX XXXX XXXX refused to pay. I contacted XXXX XXXX XXXX to reissue me a new cashiers check which they refused to do. They referred me to California State Controller Dept. of unclaimed property. California State Controller Dept. referred me to you Consumer Financial Protection Bureau. 
I am including all records and contacts regarding my cashiers check. 

After researching for XXXX XXXX XXXX we have found this bank is now called California Bank & Trust 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 2017-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
coinbase.com, they have defrauded many people of money. The need to give us our bitcoins or money back ( with interest )! No one answers the cellphone attached to coinbases sec filing and the voicemail is full. I tried calling it 100 times in a day, someone kept turning it off and back on, so they received the calls. 

Coinbase.com has committed many counts of fraud and complaints need to be filed or they will just continue to commit fraud. Here is the definition of fraud, let the legal system be the judge : 1 a : deceit, trickery ; specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right b : an act of deceiving or misrepresenting : trick 2 a : a person who is not what he or she pretends to be : impostor ; also : one who defrauds : cheat b : one that is not what it seems or is represented to be Company information : COMPANY CONFORMED NAME : Coinbase Inc. 
CENTRAL INDEX KEY : XXXX IRS NUMBER : XXXX STATE OF INCORPORATION : DE FISCAL YEAR END : XXXX FILING VALUES : FORM TYPE : XXXX SEC ACT : XXXX Act SEC FILE NUMBER : XXXX FILM NUMBER : XXXX BUSINESS ADDRESS : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX CITY : XXXX XXXX XXXX : CA ZIP : XXXX BUSINESS PHONE : XXXX SEC complaint center : XXXX XXXX XXXX FBI XXXX ( Internet Complaints ) : XXXX XXXX XXXX California Attorney General : XXXX XXXX XXXX XXXX XXXX District Attorney : XXXX XXXX XXXX XXXX

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

Complaint narrative:
Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. 

XXXX works well and I succeeded in getting security freezes for myself and my wife. 

These data aggregators also mangle our data ( running names together into a single name ) making some information questionable. 

As for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. 

What is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. 

We also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.

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

Complaint narrative:
I took a hit of about 50 points on my credit report from equifax with no alert from them after having fraud alert put on my SSN months ago. I believe Equifax was hacked and now my credit is XXXX. I have so many hits from XXXX XXXX that I have never applied for

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

Complaint narrative:
Equifax should n't divulge my information without my consent. No consent was given.

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

Complaint narrative:
Regarding the recent Equifax data breach. 

This company allowed enough data to be stolen to steal the identity of most, if not all, working Americans, myself included. I had no choice but to give them my information in order to use a bank, or a credit card, or take out a loan, and live a normal life. Now, because they could n't bother to protect our extremely important data, and worse, failed to alert us in a timely fashion ( they knew about this for at least a month ). My identity could already be compromised and I did n't even know. 

And it gets worse. Equifax tried to XXXX us yet again by saying that by even checking if you were affected would remove your ability to sue. Though that has been removed there is still a ton of confusion about it and it 's pretty obvious they could n't care less about this. They then push their worthless credit monitoring for a fee ( it should be free at the very least for those affected, not that it 's worth having ), which still has the language in their agreement about giving up your right to sue. 

Even worse than that, if you can believe it, it that their PIN generated to freeze your account is simply the timestamp of the freeze. That 's totally secure, no way anyone could figure that out. And it 's still worse ; the information needed to unfreeze your account is the information that was leaked, so freezing the account is n't any protection, it 's just one more step someone needs to do to steal our identities. Literally totally worthless. Who thinks of this stuff? This is n't just laziness, this is intentional malice to XXXX us. It 's just too ridiculous to think anyone is THAT incompetent. 

This is so far beyond acceptable. This scummy company needs to be held accountable for their abuse of their power over Americans, and is merely the last thing in a long line of unacceptable behavior by these financial institutions. We need some seriously heavy federal regulations to keep them in check, if not absorb them into the government. The people in charge need to be investigated, especially with the information of the stock sales around the same time, as there is likely illegal actions there. 

Hopefully you can help protect our rights and provide some real assistance to those whose lives might be destroyed by this horrendous lack of judgement.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax exposed my personal information without my consent, as part of their recent data breach. In addition, they dragged their feet in the announcement of the report, and even allowed their upper management to sell off stock before the announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My business partner and I opened a Merchant Services Account with Wells Fargo in order to process credit card payments from our small business customers. We met with an account representative on XX/XX/2014 to set up a new business checking account and credit card processing service application. Throughout the entire meeting, we were only made aware of the contract 's stipulations verbally and frequently received instructions to authorize our consent by signing a screenless digital signature pad. Although we were hesitant to agree to the terms and conditions of the contract without being able to read it in it 's entirety, we were assured by our account representative that we were receiving full disclosure and had no reason to delay the application process. Only after we signed the agreement electronically were we given a hard copy of the contract for our files. At no time during the verbal " disclosure '' ( or outlined anywhere in the printed agreement ) were we made aware that there would be a $ XXXX-USD early termination fee to forgo the credit card processing services within a five ( 5 ) year period. Since opening the account in XX/XX/2014, our business checking account has been set to automatically withdrawal three ( 3 ) separate processing fees on a monthly basis. These fees have continuously increased overtime and seem to have little to no bearing on the actual payments we processed during the statement dates. The combined total for these monthly fees have rarely, if ever, been less than $ XXXX-USD and has caused our account to go into overdraft several times. On more than one occasion, these individual fees ( some as low as $ XXXX-USD ) have accrued an overdraft protection fee of $ XXXX-USD per transaction ( i.e., an additional $ XXXX-USD in bank fees for insufficient funds ). It is an endless cycle that we would have never signed up for if we had been made aware of ( or at least given an adequate opportunity to review ) the terms and conditions of the agreement. I have expressed these concerns to my designated account manager on several occasions only to be told that she has no control over the agreed upon terms and that I should contact a member of the third-party payment processor to proceed. I reached out to a customer service representative from this third-party company to express our concerns about the associated fees and minimum monthly requirements to avoid additional charges. In one of these conversations, I was told to process my personal credit/debit cards during " slower '' months in order to meet these monthly minimums. It is clear that since signing up for a Wells Fargo Merchant Services Account, our small business has suffered exponentially.

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 2017-09-09 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: CA

Complaint narrative:
Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX

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

Complaint narrative:
Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.

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

Complaint narrative:
Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.

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

Complaint narrative:
As of XXXX2017, I learned Equifax has mishandled and was blatantly negligent with my personal information, up to and including my Social Security Number, address, phone number, name, and any other information pertaining to my credit and identity security. I learned through their website that, due to their negligence, my information has been compromised. As it is completely unacceptable, I wanted to forward this official complaint in hopes that the situation will be rectified and they will receive the full penalty of the law.

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

Complaint narrative:
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

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 2017-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this  company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. Thank you

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 2017-09-09 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: CO

Complaint narrative:
Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has simply refused to do business without cause and or reason. 

I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt. 

I received a letter in branch that it was resolved and I could open an account again. 

Then when I tried to it was denied and no clear reason was given.

Company response to consumer: Closed with explanation