vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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: CT

Complaint narrative:
RE EQUIFAX : 1 ] THEY DO NOT ANSWER THEIR PHONES.
2 ] THE ONLINE SECURITY FREEZE IS " UNAVAILABLE '' 3 ] THE ONLINE 90 FRAUD ALERT IS " UNAVAILABLE ''.
4 ] NOBODY IS HOME, AND MEANWHILE WE ARE ALL AT HUGE RISK THESE CREDIT COMPANIES COMPANIES ARE PROFITEERING FROM OUR MOST PERSONAL AND PRIVATE INFORMATION. WE, AS CITIZENS, HAVE NEVER GIVEN THEM PERMISSION TO DO SO! 

THIS IS THE ONLY COUNTRY IN THE WESTERN WORLD USING THIS PRECARIOUS SYSTEM. XXXX ONLY USES ONE 'S  PERSONAL CREDIT CARD AND BANKING INFORMATION - NOT FOR SALE, NOT FOR GENERAL PUBLICATION, NOTHING TO HACK INTO. 

THIS SYSTEM MUST BE DONE AWAY WITH, AND THESE PEOPLE PUT AWAY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: WA

Complaint narrative:
TransUnion is exploiting the security catastrophe caused by the malfeasance of XXXX. TransUnion is charging {$10.00} to freeze each credit history account ( which I was forced to pay to freeze my credit ; order # XXXX from 2017XXXX ). With highly private information stolen from 143M people, TransUnion can expect to receive {$10.00} * 143M = {$1.00} XXXX. What 's special about this amount is that TransUnion earned $ XXXX in revenue for XXXX. Hence, TransUnion will more than *double* their revenue by exploiting the American public who were impacted by the incompetence of XXXX. This is an unacceptable business practice and shows the contempt that credit bureaus have for the American public. 

Shame on TransUnion for not doing what 's morally right by removing fees to freeze credit history.

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 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Education Servicing Corporation, Inc.
State: AR

Complaint narrative:
Hello, I consolidated my Federal Stafford loans ( roughly $ 50k ) received from XXXX XXXX XXXX XXXX XXXX ( XXXX ) in late XX/XX/XXXX after graduating from XXXX XXXX at XXXX in XX/XX/XXXX. I have managed to pay down my student loan balance since XX/XX/XXXX on time each month and was also able to pay additional amounts to help reduce the outstanding balance subject to interest charges. Based on a recent financial event that has allowed me to completely pay off my remaining balance, I paid {$10000.00} to XXXX on XX/XX/XXXX ( XXXX is the servicer of my consolidated loans ). I did this by using the pay online function that displayed the 'payoff amount ' and simply entered that amount to pay off. 

After I did this, I remembered that XXXX offered 2 benefits when we were told about using the consolidation option for our subsidized and un-subsidized Stafford loans. One benefit was a 0.25 % interest rate reduction after a certain period of on time payments and I was given this benefit several years ago ( my interest rate went from 3.5 % to 3.25 % ). The other benefit was that the final {$590.00} of our loan balance would be forgiven if we continued to make our payments on time. It does not appear the XXXX website gave me the benefit of the {$590.00} forgiveness so I emailed XXXX about my questions regarding this forgiveness benefit. I was told ( emails back and forth with XXXX on XX/XX/XXXX ) that since I paid my entire loan balance off, that I am not eligible to receive this forgiveness option. 

I have a hard time understanding this since I 've been a good payer on my loans owned by XXXX and serviced by XXXX for over 10 years. I have also paid thousands of dollars in interest charges since XX/XX/XXXX on my amount borrowed, so I do n't believe that being able to receive the benefit of the {$590.00} forgiveness benefit is something that is such a terrible request even if I am able to pay off my loan early. If I had realized this, I would have simply paid the full amount due minus the {$590.00} so it would have been forgiven through whatever process they have set up. But because I did pay off my entire balance, XXXX is telling me that I 'm not eligible to receive the forgiveness benefit. 

I find this very unfair since I have been a faithful payer on my loans and am being penalized for paying off my entire balance. Also, why does n't the XXXX website allow for consumers to understand this forgiveness? {$590.00} is a lot of money and I do n't believe it 's asking too much to receive the benefit that XXXX has given others that qualify for it like I do. 

Thank you, XXXX 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 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: CA

Complaint narrative:
On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: NV

Complaint narrative:
On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: IL

Complaint narrative:
Equifax Hacking issue : According to the Equifax website, my husband and I are both affected by the Equifax hack. We decided to do security freezes with all 3 agencies. I tried for 2 days to call Equifax, waiting on hold for over an hour multiple times and was unsucessful. I tried doing a security freeze online multiple times but kept receiving the message, " System Currently Unavailable -- Error 500 ''. I finally reached someone on the phone number listed on the Equifax cybersecurity website, XXXX. I spoke with a supervisor, XXXX, who told me they are only there to refer people back to the website. I told him the website does not work and he said there was nothing he could do. 

SO, Equifax took our confidential financial information without our permission, they were irresponsible with it and their system was hacked, they waited 6 weeks to tell consumers while the CEO sold his Equifax stock. Now nearly 8 weeks have gone by and many consumers, including us, are still unable to protect their confidential financial information. 
Oh, and we are being CHARGED to institute freezes on our credit. Even if Equifax reimburses us, XXXX and XXXX will still charge us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: CT

Complaint narrative:
TransUnion, XXXX and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action

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 2017-09-15 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: IL

Complaint narrative:
I have called XXXX, XXXX and Experian on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX7 and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/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 2017-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX : called Toyota to do a voluntary repossession since I could no longer make payments due to losing my job. They had the repo man to set up and time and place that afternoon to meet to pick up the vehicle. When he picked it up he just asked for the keys and that 's all. 

XX/XX/XXXX : they posted on my credit report stating I owed them {$14000.00}. I never received anything by mail what they would do with the vehicle once it 's gone, if I wanted to purchase the car back and when the vehicle sold what the deficiency amount would be after telling me where/when the auction would take place. 

XX/XX/XXXX : I called Toyota to get my account number and the customer service lady did not even know that the vehicle had been repossessed or I owed anything, I was trying to figure out why I never received any correspondence from Toyota and still have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I have faithfully made my payments on my Best Buy credit card for many years. In XXXX 2017 I started using a new checking account. The payment went through, the new checking account was selected for all future payments. XXXX XXXX, 2017 I logged on and saw my payment was scheduled for the correct account. Now on XXXX XXXX, 2017 I logged in to find my account is past due. Somehow they decided to charge the old checking account they had on file, which I closed in XX/XX/XXXX, and they 're charging me fees and raising my payment citing the late payment as the reason. This is the second time I 've had an issue with my account. The first time they switched my information, ( eg : name, address, credit card number ) with someone else that I 've never heard of and it took two hours to fix it. Now between my fiance and myself we 've spent an hour on the phone and with Citibank online fighting because they want to charge us fees for a late payment when it was not our fault. I 've never been late with my payments on my Best Buy credit card and they argued with us. This practice needs to be fixed, after a quick search online I 'm not the only one that 's had to deal with this through Citibank. We were left talking in circles with reps. At one point the reps said they could fix the fee 's if we paid the {$58.00} that was due. I felt like I was being extorted because my payment would n't be that high if they did n't charge the wrong account. The rep had the audacity to act like they were doing me a favor that way. It 's absolutely ridiculous to treat people like this over and over again and I 'm wondering how many people they 've done this to that do n't know they have recourse.

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 2017-09-15 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: NJ

Complaint narrative:
Equifax had my data insecure and they were hacked. Now all my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My issue does not have to do with an auto loan, but I did n't seemy issue as a choice. It has to do with a faulty car part. Not sure if you all deal with cases like mine, but I do n't know where else to turn for help. 

Wed XX/XX/XXXX I brought my car to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, because my XXXX XXXX XXXX which I bought in XX/XX/XXXX, was having difficulties starting. My XXXX XXXX XXXX has 58k miles on it currently. 

It turns out my starter is going out and they told me it would cost about {$700.00} to fix it. I was very upset, of course, because there is no way my starter should be giving me problems at this point with 58k miles on the car. 

On the same day, Wed, XX/XX/XXXX, XXXX XXXX 's, manager, XXXX XXXX, contacts American Honda and because this is a " known '' issue -- - I 'm informed American Honda offered to split the repair cost with me 60 % Honda and 40 % me. When I ask if I can speak to the contact person or decision maker at American Honda, XXXX XXXX tells me he " ... is prohibited from giving me American Honda 's  number. '' XXXX XXXX advised me to find the number myself in my owner 's manual. Needless to say that should have been an indication as to Honda 's helpfulness in this matter. 

When I called American Honda on Monday, XX/XX/XXXX, I protested the 60 % 40 % split, because I do not believe I should be on the hook for a part that is " known '' to be faulty. I was told by an American Honda representative or " case manager '' XXXX to take it or leave it. That my car was out of warranty and that this was a limited time 30 day courtesy offer extended to me, because I was a " loyal '' customer and the issue with the starter is a " known '' issue. When I asked for an email so I could correspond with American Honda in writing, I was told by XXXX that they would only speak to me on the phone. Even if I wrote a letter, my " case manager '' would only call me back and never return my letter in writing. 

I looked into this starter problem and apparently the starter is going out on a lot of XXXX XXXX  and XXXX XXXX, XXXX, XXXX models. There is also a class action law suit  forming on the east coast, law firm is XXXX XXXX XXXX XXXX. 

My question is do I have any other recourse? Can the CFPB put any pressure on American Honda to correct their problem and not hold consumers accountable for their faulty part? American Honda are denying culpability and hiding behind the fact that the vehicles are out of warranty as their excuse for not covering the entire cost of the repair. Is that legal? 

My case reference number with American Honda is # XXXX. American Honda 's phone number is XXXX ext. XXXX. Address : XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Today, XXXX XXXX,2017, I tried to access my XXXX report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the XXXX data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the TransUnion report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

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 2017-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I was offerd a remodified loan. Due to the high equity in my Home, I was approved. My loan became unachievable after taxes and Hazard Ins. were added without my knowing, making my account several months past due, very shady. I agreed to the Modified trial period and made my payments on time. I recieved the Modified Loan papers in the mail with a two week deadline to sign. I noticed they added Hazardous Insurance and Taxes to my payment. After calling, I was told I did have to pay the Taxes but not the Insurance as long as I had my own policy, which I do. I tried calling and spoke with a represetative named XXXX ID # XXXX who was very rude and gave no explanation why I would have to pay them for an Insurance policy I already had. I called back and managed to be transferred to the Ins. Dept., who explained to me that not only did I not have to pay escrow for insurance but figurewd out they owed me a refund. Now, I do n't have much time to reply before this offer goes away and no where to turn.

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