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

Complaint narrative:
According to the Equifax web site the believe that my information was compromised as part of the recent Equifax Security breach. 

It took me XXXX days to log into their system and find out if my information was compromised, and simultaneously to put a freeze on my report. I have had to pay the other credit reporting agencies to freeze my account.

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: KS

Complaint narrative:
I have tried to put a credit freeze with Equifax multiple times onXX/XX/XXXX and then tried again on XXXX/XXXX/XXXX. I started the process both on the website and on the phone line. Each time I get an error says the system is down. 

I was able to place a credit freeze with the other agencies ( XXXX, XXXX, and 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.

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: GA

Complaint narrative:
Unable to submit a credit freeze with Equifax online or over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.

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 — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a loan through FedLoan Servicing. I am employed at a XXXX and eligible for Public Service Loan Forgiveness and have taken all steps to be enrolled in the program, including income contingent payments. I have attempted, on numerous occasions, to get credit for the proper number of payments - they are only crediting my account for XXXX payments. They have failed to credit payments that were made during periods of {$0.00} payments and have failed to update the number of payments that should be credited for the prior year despite providing employer certification XXXX separate times. I am frustrated that I am not receiving proper credit for all payments made on this loan under this program.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX of XXXX XXXX was offering a wonderful deal on unlimited data. We had been with XXXX since XXXX and thought that switching would be great. Since my cell phone line was up for contract renewal I went to XXXX got a new phone but was able to keep my number. Unfortunately XXXX coverage was spotty at best and sometimes non existent. Before the 14 trial period was over, I took the phone back to XXXX and was able to cancel the contract without penalty. XXXX took me back, yet XXXX would not release my phone number so that I could use it on XXXX. A customer service rep at XXXX " fixed it '' for me, and I was able to use my phone on the XXXX network again. What the csr did n't tell me was that he had re-activated my phone on XXXX for about 15 minutes and that made me liable for breaking the contract! I have called and spoken to this company every few months to resolve this and it has never been resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Central Credit, Inc.
State: MD

Complaint narrative:
We bought a time share 11 years ago and paid it off about 2 years ago. In the first 3 years we had constant communication with them either by phone or mail. If we were late in a payment or a change in their bi laws they had no problem getting a hold of us. 
In the past 7 years we have not received any bills or notice of a debt owed. This past XXXX we received a collection letter stating we owed XXXX for maintenance fees. I immediately called spoke to someone on the phone and then sent a letter asking for proof. 
Two weeks letter I received a letter from a lawyer with not a breakdown but a letter that I had a timeshare and added almost 600.00 in legal fees. It even states in his letter that a new company had taken over and had failed to notify us and others of this debt. 
How can this be allowed to allow a debt to go so long without notifying us and then demand it to be paid in full, request proof and then add another XXXX in legal fees. 
We have worked so hard to improve our credit paying our bills on time and now this. I feel they do this on purpose so consumers like us who ca n't pay the total up front that can add fees to make more money. Please help us solve this

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

Complaint narrative:
As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: VA

Complaint narrative:
Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.

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 — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened 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 non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.

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 status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I had a very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
My debt was paid in full

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

Complaint narrative:
What is going on with the credit reporting agencies, specifically Equifax. How did they let 143 million accounts get hacked. This is unbelievable. I have spent the last hour trying to lock all of my three credit reporting agencies accounts without success on the prime culprit, Equifax. I am beyond livid. Someone is not doing their job.
How did this information get delayed two months while the execs of Equifax exercised their stock options?
Someone needs jail time.

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: NY

Complaint narrative:
every day since Equifax breach unable to file a credit freeze or get free monitoring either online or by phone website freezes up and will not complete enrollment gives errorcode and says try again later this has been happening since the first day breach was announcecd

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company response to consumer: Closed with non-monetary relief