vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-24 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: IA

Complaint narrative:
In light of the recent data breach with Equifax, I have been attempting to initiate a security freeze with Equifax. After several attempts on their website, I keep getting directed to a page that involves only removing a security freeze. I do n't have a current security freeze with Equifax. I have never made a payment or received a PIN for that purpose. 
There is no way to speak with a customer service agent about this. An error message pops up when clicking on a link to speak with customer service representative. 
I have been able to place a security freeze with the other credit reporting agencies, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony XXXX has closed two of my accounts without any notification ; one which was paid off. They have continuously pulled my credit report without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
This in an extension of my previous complaint XXXX submitted on XX/XX/XXXX about US Bank closed my two savings accounts and checking account onXX/XX/XXXX, I am still going every Friday to the US Bank XXXX XXXX in XXXX and they all know about my previous complaint but none of them have an answer and they do n't know where my too checks could be, last Friday the manager from the branch XXXX XXXX XXXX called some departments on us bank XXXX but no luck, I feel very frustrated because US Bank has in it possession my two savings money today for 28 days. 
I am upset because also for the other complaint about my credit cards closed too ID XXXX submitted last Friday, that this will impact tremendously my credit score. 
I have been Loyal to US bank for my 12 years living in the country, I have given all the information that they needed on time I have proof of that. 
I am as today LOCKED OUT with out not money just living paycheck by paycheck for the last 3 weeks. 
Damages Caused : Emotional, material, lost or will lost my great credit score that I have worked hard to keep it high, My medication for XXXX XXXX XXXX and XXXX were locked up too because not money in my accounts. 
I have n't been able to take my vacations programmed for last week because of no money. 
My friends and coworkers paying my bills with their money. 
I have n't supported my family in XXXX after the devastation for IRMA Hurricane, and now for Puerto Rico too after Maria Hurricane. 
It was ok if you did n't want me as a customer and ok to close my accounts but stole my money is not fair I think and is what I am thinking now about you. 
Really bad customer support. 
I am demanding an immediate response or I will be looking for my lawyer. 

I will attach all the proof I have of an amazing bad job and I have more proof and names if needed. 
I will make this public on the media if I do n't hear from you soon.

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 2017-09-24 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: IL

Complaint narrative:
This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One XXXX asked me to provide our physical address earlier this summer, presumably due to law. The Post Office in our area does not deliver mail, so our bill comes to our Post Office Box. 
I called the number on their request letter twice and gave them the physical address twice. In XXXX, I was trying to check into a hotel and was told my account was restricted. I called Capital One again, and was told, for the 3rd time, that I needed to provide my physical address ; I provided it a third time and the restriction was removed. Today, I found out my account had been closed. I called Capital One and guess what ... .they closed the account because " I had not provided them the information they needed '' ... .MY PHYSICAL ADDRESS ... .AGAIN ... FOR THE 4TH TIME!! So now I have to wait anywhere between 7 and 10 days for the account to be reactivated. Time to find another credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$1900.00} into my DDA account at the Chase branch located on XXXX XXXX XXXX, XXXX, NY. In parallel I withdrew {$980.00} from my DDA. 

I informed the teller that I needed to send the {$980.00} back to someone who was purchasing something from me because they overpaid me with a certified check in the amount of {$1900.00} ( see above ). I was clear with the teller that I was suspicious and wanted to MAKE SURE THE {$1900.00} CHECK CLEARED BEFORE I SENT THEM THE {$980.00} BACK. 

The teller looked at the check and said 'it looked fine ' but as long as your DDA account shows the {$1900.00} deposited into my account by XX/XX/XXXX, " the money was mine ''. 

On XX/XX/XXXX, the {$1900.00} showed in my account so I sent the individual the {$980.00}.

On XX/XX/XXXX I received a bounced check notice from Chase for the {$1900.00}.

On XX/XX/XXXX I went to my local Chase branch in XXXX XXXX, NY, at XXXX XXXX XXXX XXXX. The individual printed out the {$1900.00} check and IMMEDIATELY said it should have been flagged! The most obvious indication was that the FBO on the check was the same person who wrote the check ( I do n't even know what that means ). The Chase associate called the Chase Fraud department and they looked at the check and immediately had the same response. In fact when I explained the story the Fraud associates said that is a very typical fraud pulled on unsuspected individuals. UNFORTUNATELY, they said they could do NOTHING to help me!! I found that infuriating since the ONLY reason I wired the {$980.00} back to the individual was that A CHASE EMPLOYEE at the XXXX XXXX branch TOLD ME WHAT TO DO!!! 

The Chase Fraud associate said that the teller has NO authority as a fraud analyst. I 'm ok with that but THEY NEED TO TELL ME. 

I waited so long because I am XXXX XXXX XXXX and work with banks in the operations space and find myself embarrassed that this happened to me. I am particularly annoyed that Chase just brushed it off. 

I am hoping that you can help me resolve this and get the {$980.00} back from Chase because I only wired that money based on a Chase banking employee 's direction. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ). 
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well. 
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan. 
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX  appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. 
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
Received an email from Western Union that money had been picked up on X/XX/17 in XXXX, Ga by XXXX XXXX. I immediately contacted western union. Spoke with XXXX. I informed her that I did not know this person nor did I send any money to anyone via western union. I  had previously sent money to my sons & always had problems each time. Those times I actually sent money were horrible experiences. I had to call both times previously & was on phone with western union too long. It was not easy at all to do money transfers for my sons those times so I told western union that I would not be using their services again. I asked to be removed from list. I did not make a transaction via western union since & will not. I again reported this fraudulent activity & told them to delete my information from their system. XXXX stated she had made fraudulent report. I asked that they not email me, requested call back. I may not check email daily & wanted to be updated on status of this fraudulent activity. I did not authorize this & therefore stated that money best not be deducted from any accounts of mine. I do not know this person & want to report western union for inappropriately transferring money without authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: NY

Complaint narrative:
Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
so while i was in my last year of highschool a guy in my school asked me to use my chase bank account to purchase something but XXXX use his money so i trusted him with it and he committed a fraud in my chase bank account XXXX XXXX XXXX ). Now that im in the XXXX and i have a bank account with XXXX XXXX, XXXX XXXX has my bank account on restriction because of the fraud the guy did in my chase account. Ive called XXXX XXXX about it and they told me to contact EWS, ive done that and started an investigation. They sent all the information to chase about the investigation and chase has yet to reply to them. Ive contacted XXXX about it and they tell me to talk to XXXX XXXX, then XXXX XXXX tells me to talk to XXXX and XXXX tells me to talk to XXXX so basically theyre all giving me a runaround. I really need this situated because i need access to my money. You can contact me at XXXX XXXX XXXX XXXX but you can also email me ( which is the best way to contact me XXXX. My email is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I owed Navient XXXX and these amount has not decrease since I started to pay them. I pay XXXX to XXXX per month and I ca n't lower my payment not the amount for over XXXX years now. I tried negotiating with them but they said that is all they can offer. I have found myself dealing with financial stress each month. I need help and legal advocacy because these loan is impossible to pay off. Please help.me find other solutions. This is the second time I XXXX help from your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Card allowed someone to open an account in my name without my authorization at an address where I never lived. Discover Card tells me through a debt collector that I owe money. Discover Card was able to locate my correct address and call me to try to collect but not to verify that I actually opened the account. I asked Discover Card to provide proof ( e.g., signature ) that I authorized opening the account. XXXX has not and apparently will not provide proof that I opened the account. XXXX in response to my request sends me a letter with the subject line " XXXX to XXXX for XXXX ''. The letter and enclosed material shows the charges that were made under my name. I did not want nor authorize XXXX to open an account in my name. Since I did not authorize opening the account, sending me proof of fraudulent charges is irrelevant. Discover Card never attempted to contact me when the account was opened nor when it was late. If they had, I would have told them then I did not want their card, nor did I authorize anyone to open an account in my name. The account was opened in XXXX and they are just now contacting me. The account ends in XXXX in the amount of {$3300.00}. 
XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX. Ref. XXXX for Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX c/o Discover Products, XXXX New XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Several accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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:
My information was among those affected by the Equifax data breach. As their response has been lacking, ( executives selling stock before hack was disclosed, sending wrong information as to who has been affected, and not outlining any corrective measures ) I 'm complaining because I have had to freeze my credit reports in the hope that will my credit report from being abused. 

I had to pay a {$30.00} in fees to freeze all 3 of my reports ( XXXX, Equifax, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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 which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XX/XX/XXXX to XX/XX/XXXX and was n't disclosed until XX/XX/XXXX. Additional analysis has since indicated that Equifax was breached even before XX/XX/XXXX and was n't disclosed. Equifax was negligent in updating open source software.
Equifax has made poor attempts to help consumers. Calling leads to busy signals or long holds. The complimentary service offered ca n't handle the traffic and is very slow and frequently out of service. 

In a previous complaint Equifax sent a " canned '' response ( noted below ) which directs users to call centers and websites which are frequently overwhelmed and understaffed. 

Thank you for contacting Equifax. We remain focused on consumer protection and committed to providing outstanding service and support. Protecting the security of the information in our possession is a responsibility we take very seriously and we apologize for the concern and frustration this cybersecurity incident causes. We have developed a comprehensive portfolio of services to support all U.S. consumers. Please refer to our dedicated website, https : //www.equifaxsecurity2017.com, for the latest information and updates or contact our dedicated call center at XXXX. The call center was set up to assist consumers and is open every day ( including weekends ) from XXXX XXXX XXXX XXXX Eastern time. 

If the same response is provided again, we can gather that Equifax is n't even reading complaints and further action should be taken against them.

Company response to consumer: Closed with explanation