vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
I have set up payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on this account. XXXX XXXX and pendricks capitol partners and now double dipping and wont talk or remove. then they they just sent me another one for empg that on is with XXXX XXXX XXXX here we go agian the one is XXXX years old. 
thank you XXXX XXXX XXXX

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today is XXXX XXXX 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX XXXX and TransUnion by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today is XXXX XXXX, 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX, Experian and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.

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:
XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a letter from Wells Fargo in XX/XX/XXXX stating that they have charged me late fees for the months of XX/XX/XXXX and XX/XX/XXXX. They further stated that the late fees were for payments received on the XX/XX/XXXX of the month. This is contrary to the monthly statement, ( a legal document ) which is sent out by Wells Fargo which clearly states that late payments are those that are received after the XX/XX/XXXX of the month. I have attached and circled a monthly statement showing where Wells Fargo is saying that late payment is after the XX/XX/XXXX of the month. This lines up with the terms of the VA loan at close. 
It is not true that I was late either of those months, and both payments were received on or before the XX/XX/XXXX. In fact in nearly 10 years of payments, I have only one payment that showed up a few days late. In the month of XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX and in XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX, both on time according to the monthly statement furnished by Wells saying late after the XX/XX/XXXX,  which again is in-line with the terms of the VA closing contract That contract has been made available before here at CFPB during the 3 years of complaints lodge here against Wells Fargo.. 
Over the past 3 years XXXX XXXX has been many things in its relationship with me, but professional is not a term I would choose. Every month they send late statements before the payment deadline. They use that to pilfer the very solvent escrow account by taking money that would otherwise be place in escrow and put it in an undeclared funds account. They manufacture and enable this misapplication by pretending that the account is late, when in fact is its not late until after the XX/XX/XXXX according to both the Veterans administration and Wells own statement, ( see attachment ). 
They have back tracked numerous occasions, including having to restore miss appropriated funds, falsely billed for shortages then a few months later and send me checks for overages. These backtracks only happen after Wells burdens me to complain and escalate those complaints before they act. They have been inconsistent and certainly not meeting the bar expected for accounting professionalism and ethics. I am, like many others, without trust in Wells Fargo, due to the lack of honesty and their abuse of laws. I really dont understand why the Federal Government continues to do business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: IL

Complaint narrative:
Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am deeply concerned by the recent Equifax data breach. Equifax 's negligence has allowed the personally identifiable information of 140,000,000+ Americans to be stolen. This includes names, date of birth, social security number, past addresses, and loan information. This breach poses a serious threat to all of those affected. The practice of using social security number for loan verification purposes is deeply flawed system and requires swift and immediate overhaul. 

Currently, the only way to protect oneself by placing a credit freeze with each of the three credit reporting firms. This is an arduous process, in which the credit reporting firms attempt to sell identify theft protection at every turn. To make matters worse, if a consumer does freeze their credit they are required to pay the firm in the future to lift the freeze. 

To summarize : 1 : Americans have no choice but to allow these credit rating firms to collect their private information. 
2 : The credit rating firms allow citizens ' private information to be stolen. 
3 : The victims have little protection, if any, and now have a lifetime of worry ahead of them. 
4 : The victims of this crime have to pay the very same firms who leaked their information to protect them. 

Please take action to rectify this grave injustice and protect the American public. Credit rating verification should not be in the hands of these reckless firms. It should reside with government.

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Because of the XXXX data breach I tried to freeze my credit with Transunion ( and the other credit bureaus as well ). I was able to find the link to complete the credit freeze process online several days ago but now Transunion appears to have hidden the ability to do this online. Now I am only able to find their pay credit monitoring service. This is not the same as freezing credit and I do not want their credit monitoring service, I want to freeze my credit. I called their 800 line but get disconnected when trying to complete the credit freeze process. 
I can only presume that Transunion is doing this on purpose in an effort to get people to purchase their credit monitoring service - something that is not at all equivalent to freezing credit.

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 is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
This debt is not mine, I have no idea who this belongs to. I 've tried communicating this to the collection agency, however after recently pulling my credit report it is still showing on my report and I would like this removed, I have no knowledge of this debt.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My complaint is about Equifax. 
1 ) Equifax is making a lot of money with my information, their executives make millions but they could not even do what they are supposed to do, which is to keep my information safe. I am complaining that the company did not use appropriate security. My guess is that they did not want to spend the money to get good protection. 
2 ) Now that my and millions of other 's data has been compromised they did not contact affected people right away but waited for weeks. When I tried to place a fraud alert the website was down. When trying to log in to XXXX, which I subscribe to, I get an empty page. When calling them I am on the phone so long that the battery runs empty and I have to switch to another phone. 
That is not acceptable. If the company can not do the job it is supposed to do it should be shut down.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In my state, All 3 credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for Equifax to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all 3 companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with Equifax and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Our Credit was compromised / stolen during the XX/XX/XXXX-XX/XX/2017 Equifax data breach.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cheek Law Offices, LLC
State: OH

Complaint narrative:
In XXXX Cheek law of LLC Petitioned XXXX county court to revive an old debt from XXXX. 
I explained to both the courts and cheek that I was on a fixed income of {$720.00}. per month yet the court granted these vultures access into my life for a debt which I had already paid for with 7 years of bad credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation