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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC.
State: ND

Complaint narrative:
When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report. 
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity. 
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
What happened the school got closed do to class action law suit. The loan debt was over fifty thousand. as well as the federal loans are part Of Navient witch is also had its suits

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: NC

Complaint narrative:
I 've been hearing from the news that randomly generated results have been provided as a part of checking to see if I was impacted by the Equifax data breach. This provides no confidence in a system that has already leaked information and waited over 2 months to inform the general public of this breach with no intention of directly informing those who 's information was compromised. This is unacceptable.

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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equfax security breach of my credit and millions of others. I am trying to place a freeze on my credit and you can not get through to these idiots. I have called the newly established 800 number and finally got though. He gave me the number of XXXX to call to place a freeze. 

I called the number and finally got through to an automated answering service, got through the menu and then when it transferred me to a live operator, I got a busy signal and no way out but to hang up and start over which I did. This time when it transferred me to a live person, I then got the message that it was not a working number. It 's their menu and their system and they are transferring me to a non working number? 

So I have now made three attempts to call the original XXXX number and ca n't get through. The phone gets answered. Then the music plays while I 'm on hold. Then the music stops and the line is dead. I hang up and try again. And again, and again, and again and you get the picture! 

I am livid! I go out of my way to protect my identity and my credit and these bozos allow my information to be stolen and now I can not get through to them to freeze my credit. I am XXXX.

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: UT

Complaint narrative:
Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I found 2 Hard Enquires in my credit report Esperian made by a company named XXXX onXX/XX/XXXXlocated at XXXX XXXX XXXX XXXX XXXX Az  XXXX phone XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXXlocated at XXXX XXXX XXXX XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
ON XXXX PHEAA/AES determined they made a mistake and the loans they have are in fact not mine. SEE attached transcript of live chat conversation with AES XXXX, and screenshot of them confirming they were not my original lenders. 
I have told them I paid my loans off years ago. AES/PHEAA confirmed they were not my original loan lenders, and never had my loans. But they refuse to : 1 ) return my payments/money they collected XX/XX/XXXX-XX/XX/XXXX 2 ). NOTIFY Direct Loans/USDEPT OF ED default resolution/immed cr. recovery collection agency that these are not my loans so they can return my {$8000.00} they seized from me. 
3. ) REFUSE TO NOTIFY/UPDATE NEGAATIVE credit reporting on me. 
4 ) REFUSE TO remove my name off these loans. 
5 ) UPDATE NSLD WEBSITE I am a female XXXX XXXX vet, and they have my money, and continue to cause me extreme unnecessary financial hardship by refusing to do their jobs, and get my name off these loans they know are not mine, notify the lender they sold the loans to, return my money, or update my credit report. knowing all this. 

please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I  sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal  Number XXXX, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.

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: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am attaching the Judge 's ORDER in this case. The Bank of America still has the account active. I spoke to someone on XXXX XXXX in collection and she said the Bank would honor the Cease and Desist letter. However, until the account is closed, this will never end. 
I believe they are waiting until the XXXX Bankruptcy ending date, then try to come after me again. 
The Order from the Judge said all remaining issues are denied moot. That goes for them, too.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
This company has illegally collected my personal information, through a hospital I never went to, and will not verify debt with a signed contract. There are two collections, one for {$1000.00}, and one for {$1600.00} for the same date of XXXX XXXX XXXX. I have contacted Central Financial Control at XXXX XXXX XXXX, as well as several phone calls to XXXX to get this collection removed from my credit reports. I 've disputed and received no response, nor a signed contract between myself, Central Financial Control, or any hospital. Yet somehow, on XXXX XXXX XXXX, they were able to report that I still owe this debt that is n't mine. Even if there was a contract with myself and the hospital, both companies violate HIPAA by receiving and distributing my personal information, including SSN, birthdate, and other identifying information. I got an account number for one, but I never got an account number for the other. When I called, I spoke with XXXX, and she gave me the most absurd runaround and bounced me between agents until one hung up.

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: 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 mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

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: PA

Complaint narrative:
Equifax claimed to offer to identify if my account had been comprimised in the recent hack, but it 's becoming widely suspected that the results of the inquiry are randomly generated, meaning they effectively lied to me about the state of my credit 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: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hard pull credit without permission

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: NE

Complaint narrative:
Equifax discovered that from midXXXX through XX/XX/XXXX their files were accessed by individuals outside of the company. Because my personal information was stolen I believe Equifax should be liable in the event that I am harmed by this data breach. I do not know the extent of the damage as of yet and I may never know.

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: MN

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I reached out to my loan servicer via telephone on XXXX/XXXX/XXXX re : loan payment deferral to to me and my family being impacted by the recent Hurricane. I was told by the CSR that he could not assist w/ my concern and he would ensure a loan officer contacts me within 48 hours. As of yet, a loan officer has not reached out to me. 
On XXXX/XXXX/XXXX I reached out to XXXX XXXX via email at : XXXXXXXXXXXX regarding my concern and have yet to receive a response. 
On XXXX I reached out to Customer support via email at : XXXXXXXXXXXX and received an auto email acknowledgement with a reference/ticket number is XXXX, as of date no response or reply to ticket.

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: Incorrect information on your report — Information belongs to someone else
Company: Uber Technologies Inc.
State: IL

Complaint narrative:
Hard pull credit without permission

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: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hard pull credit without permission

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.

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: IN

Complaint narrative:
I was affected by the recent Equifax hack. My personal information, including my Social Security number, address, full legal name, and driver 's license number was or may have been stolen. 

I checked through the site recommended by Equifax ( equifaxsecurity2017.com ) and was informed that I was affected by the hack. 

I was informed of this hack through traditional media outlets on XXXX XXXX 2017, months after Equifax knew the hack had occurred. Equifax kept this information from the public for as long as possible, and unknown amounts of damage may have occurred as a result.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, 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: 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: OH

Complaint narrative:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief