vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation
State: OK

Complaint narrative:
In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NV

Complaint narrative:
Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXXXXXX XXXX XXXX ice nevee been four payments late I changed my due date

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 2017-09-12 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: CT

Complaint narrative:
I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
Equifax mishandled personal information, divulging private credit data to unauthorized sources. This is a part of the larger data breach going on this month. 
As someone in the process of buying a home, with a mortgage, I have my family 's immediate well being on the line with my credit. 
There was a large delay before we were even notified that our data was released without authorization - a delay which prevented me from taking proper measures to protect myself. 
There have been misleading and changing results as to who was in fact affected - even after the issue, the company is unwilling to be open and help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
I found out about the Equifax security breach on XXXX XXXX, 2017. Because of this breach, my name, address, social security number, birth date, driver 's license number, and possibly even more data are now public information. They also did not notify the public of this breach until 6 weeks after it was discovered, allowing even more time for hackers to use this information inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax 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 2017-09-12 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: OH

Complaint narrative:
I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.

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 2017-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
I am livid that Experian charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring Experian and its executives to account for this.

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 2017-09-12 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:
The company leaked personal information and knew for MONTHS before releasing the information this occurred. And if you want to check if you were affected, there is n't a verifiable way ; recent information indicates that if you try to check if you were affected, they randomly generate an answer. Even past the security breach, the handling of this issue is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax did not put the proper protocols in place and its database filled with sensitive information including consumers credit info was compromised by hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
My credit report and millions of others were hacked via Equifax in XXXX 2017 putting me and many others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax credit report includes an entry that my wife and I have a government lean/levy for {$26000.00}. I have a letter from the government stating we do not owe anything. I believe the local county ( either XXXX or XXXX Pa ) added the lean/levy. The other credit bureaus do not have this negative entry. My wife and I are seniors living on a fixed income. 

Please help us. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
OnXX/XX/XXXX ( XXXX CST ), I noticed several charges had been placed on my American Express Bluebird card. I have my paycheck Direct Deposited to this account, and it is the only account I have. There were several charges. I immediately contacted my card company, and informed them there was fraudulent activity on my account. The charges were still " pending '' at that time. Total of all charges was around {$700.00}. They informed me that I would have to wait for the charges to complete and then call back to continue the fraud report. I was told to destroy the card, which I immediately did. The next morning ( XX/XX/XXXX ) the charges began to complete and I immediately called American Express back. I was informed that I would have to complete a " Declaration of Fraud '' form, which they would email to me within 2 days. They would then proceed with their investigation, and get my money back to me. The next day I got an email telling me my account was suspended and they list the reason as me having violated their terms of service ( something I in no way did. ) I have been back and forth with them on the phone ever since, getting the run around and being told " we are going to escalate this case ''. I finally received the " Declaration of Fraud '' form this evening (XX/XX/XXXX ), but now I ca n't even fill it out, because I have no way to access my account to get the information the form requests. They say I have another 6 days to finish the form, but when I called again today, I once again get the run around. I luckily took a screen shot of some of the fraud charges, all from the XXXX of XXXX : {$100.00} [ XXXX XXXX, {$200.00} [ online purchase ], {$1.00} [ XXXX ], {$1.00} [ XXXX ], {$96.00} [ XXXX ], {$96.00} [ XXXX ], {$61.00} [ XXXX XXXX XXXX ], {$120.00} [ XXXX ], {$11.00} [ XXXX ], {$1.00} [ XXXX XXXX. 
I absolutely did not make these purchases. I do n't use XXXX, or XXXX, or XXXX XXXX and it seems to me that it would be fairly easy to track exactly who DID use my card for these purchases. Instead I am being given the run around by a group of " fraud specialists '' with names that include : XXXX, XXXX, and XXXX at American Express. I have attempted to file a police report, but they wo n't file the report until I can document the fraud with documents that American Express wo n't get me. I just want my hard-earned money back. I have no way to pay my bills, put food on my table, or even put gas into my vehicle so I can go to work. 

I have never authorized anyone else to use my account, nor have I ever provided my account information to any other person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX 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. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One 360 checking account on XXXX. No issues, they opened it. Well today on XXXX my uncle sent me {$2000.00} for college and my birthday. XXXX, XXXX says pending. An hour later I get an email saying my account was frozen and to call in to verify the deposit. I call in and verify myself after half an hour on hold. The rep then tells me that XXXX has decided to close my account and will not be giving me a reason. Nor would they mail me my birthday money. They absolutely refuse to help. They closed my account in the middle of a deposit without any reason after a month of me being a customer. And I never went into a negative amount. I want my money and an apology!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I have been locked out of my credit card account by the company due to security check for an unidentified reason. There was no fraudulent charges and hardly any charges on the account. I am unable to reset password online and they refuse to do verification/security check over the phone, yet they are happy to take a payment over the phone with no security check. I have no access to the account nor am I receiving monthly statements.

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