vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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: NJ

Complaint narrative:
There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiMortgage did a loan modification of our 1st and 2nd mortgages in XX/XX/XXXX. We are selling our home and when the title company called for a payoff the second mortgage did not exist. Yet, two days later Citimortgage sent a letter to the title company stating we are to voluntarily give them over {$34000.00} of our closing costs to them for the amount of the second mortgage. When we called XXXX they stated they had not received the Dodd- Frank documentation. We have proof they received and scanned in the Dodd-Frank document filled completely document on XX/XX/XXXX via XXXX. 

When we spoke with XXXX in the Recovery department she stated they had the home equity loan and another department had our original first loan and she needed to reach out to them and get back to us in regards to the loan modification. 

We were supposed to close on our house XX/XX/XXXX but moved it to the end of the month to attempt to get this resolved.

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 2017-09-11 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
trying contact to contact trans union about a report for a car dealer finance no succes

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: MI

Complaint narrative:
On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: ID

Complaint narrative:
I was involved in the Equifax hack. I do n't yet know how it will involve me. I 'm super stressed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
information compromised by cyber hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have asked Wells Fargo many times to stop the solicitation of offers. This has been very distressing to my wife and I because all we want to do is make our mortgage payment and ensure it is applied correctly. The first complaint that was submitted to the CFPB on XXXX/XXXX/XXXX had the same problem listed. Wells Fargo agreed on XXXX/XXXX/XXXX to discontinue all solicitations within 60 days. It is now past 60 days and I am having problems navigating the website because the first thing I see is solicitations. I open my mailed mortgage statement and there is solicitation paper that falls out for credit card offer. On my mortgage statement there are 3 additional offers. These include an offer for a new mortgage, an offer to refinance my mortgage, and an offer to buy home and auto insurance. 

The payments that I make are very confusing to understand if they are applied correctly and on time. On my mortgage statement once I am able to get through all of the offers I see 2 lines for 1 payment. I have no trust with Wells Fargo because each person advises me differently and Wells Fargo does not follow through with their promises.
Wells Fargo refuses to talk to me on the phone since my phone automatically records all phone calls. This is a problem because I have to wait 10+ business days for a response by mail. Many of these responses I have been promised have never been received. The responses that are received are never followed through with such as removing solicitations in 60 days. The last time I spoke to Wells Fargo on the phone I was advised that I should pay past the due date to accommodate their payment logic. I am worried that Wells Fargo is going to foreclose on my house since they will not speak to me on the phone and is advising me to pay past the due date. 
Complaints with the CFPB have seemed to be ineffective.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has reinserted 2 accounts on my credit report that are fraudulent that do not belong to me and are a part of identity theft. There is a XXXX account that I disputed a while ago that was removed and not it has mysteriously has been put back on my credit report. I asked for a signed contract with my signature for and XXXX did not furnish this..So the account was never validated. There is a XXXX/Home account that does not belong to me. A consumer can not show proof of something that there is no signed contract with a signature on it. I asked for a signed contract and never received. I want these accounts removed for they are damaging my credit score. I will be forced to file a lawsuit similar to the Oregon federal court lawsuit in XXXX 2011,  XXXX XXXX of XXXX County, Oregon. One would think that once you have been sued for millions you would learn from your mistake. There is no contract that I signed to " share information '' for any of this false accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
XXXX Disputed with Direct Management, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX and XXXX have investigated and removed collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Payments are posted to my account, but the credit card company puts a 10 day hold on my ACH payment even though it has cleared my bank. They are using my payment money and not paying me interest on it. There is no disclosure about this unethical practice on the credit card web site, or on my statement ; so I have to go on line to the credit card web site and see if my payment has increased my available credit. 

Since there is no notice issued, I have assumed my payment has been posted and cleared, I have charged more expenses and had, at one point exceeded my credit limit. My charges were being declined when I was traveling out of town.

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 2017-09-11 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: VA

Complaint narrative:
Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For XXXX and Experian, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For XXXX one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For Experian, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of XXXX selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American  citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For XXXX and Experian, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXX XXXX of Saturday, XXXX XXXX, XXXX, Business Day, pp. 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 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: WI

Complaint narrative:
I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Because of the XXXX Data Breach, I attempted to add a credit freeze to a paid credit monitoring service with Experian. I have been unable to log into my account for two days, and when I contacted Experian today ( XXXX XXXX, 2017 ), I was told that all of the servers were down due to inclement weather in Florida. I am troubled that Experian is n't required to have a redundant system, or hot site, to continue to conduct business similar to the requirements for banks. 

I am unable to place a freeze on my credit reports to safeguard against the XXXX data breach, and I find it unacceptable that Experian is not able to monitor and report changes in my credit as they agreed to in the " Triple Alert '' monitoring service.

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 2017-09-11 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: AR

Complaint narrative:
As you know, Equifax had a security breach that exposed the financial information of almost half the population of the US to hackers. This will create life long identity problems for millions of people. I went to the Equifax website and entered my information to see if I was one of the accounts that was involved. Equifax can not tell me if my data has been exposed. The website they setup for people to check if they are involved is not secure. They also withheld informing the public of the breach for two weeks ( while executives sold millions of dollars in Equifax stock ). This is not the first data breach at Equifax. This company should be held accountable for the pain this data breach will cause and the criminal behavior of the executives after the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX I owed exactly {$1800.00} On XXXX/XXXX/XXXX the transaction has still not gone through and now I owe : {$1800.00} This happens every time I try to pay off a loan. We are setup to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/XXXX - I called Navient, the student loan holder of my loans, to make a payment and allocate a majority of the payment towards one of the two consolidated loans I hold with the company. The representative I spoke to informed me that I was not allowed to allocate payment, and that what you pay, and how it 's preset, is how it 's supposed to be set up, and that I can not change or request to change that. 

XX/XX/XXXX- After reviewing the XXXX Dept. of Justice lawsuit of Navient, I learned that my previous interaction with Navient, and what I was told about allocation, was incorrect. I called to have this rectified, and at first, asked if I could ungroup my loans as stated on their website here : https : //www.navient.comXXXX First, the representative told me that I can not ungroup my loans unless I un-enrolled in online billing. I said, " Fine, please un-enroll me in online billing. '' After I submitted that request, the representative then told me that I, in fact, can not ungroup my loans because they are consolidated. So, my first request was unfulfilled, and I was led to take an unnecessary action ( un-enrolling in online billing ) that literally accomplished nothing. 

Second, I asked again if I was allowed to allocate my payments towards the exact loans that I want. The representative told me that I was allowed to do that - rendering the information I received in XXXX as incorrect - but with a caveat, that I need to call, make a payment over the phone with a representative, and then ask for it to be allocated the way I want it to. 

After this interaction, I asked the representative to note my account, and to note that I was filing a complaint with CFPB for the incorrect information I had for the last 5 months. I 'm also filing this complaint because I find this company to be untrustworthy and purposely giving misleading information to consumers in order to maximize their profits. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I closed a Suntrust Business ( Control account ) due to the following issues. 
I could never access my account online and I could never keep up with the balances and payments due to waiting til my statement closed to get a bill in the mail. 
There was no way to call to get a balance because it was not accurate, the online info always had an inaccurate balance reflected. 
I paid the account off in XXXX for {$7300.00} and closed the account effective immediately. 
I later received a statement with a credit balance of approximately {$80.00}. 
I called SunTrust to get a check sent effective immediately, they told me it would take 60 to 90 days to issue a check. 
This is unacceptable, because the reverse of this would not allow me to make a pymt 60 to 90 days late. 
I want my money that was sent. 
Why does this take so long to give me my money that I over paid.

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