vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.

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 has improperly disclosed critical pieces of personally identifying information about me and millions of others. I refer to the massive Equifax security breach disclosed in XXXX 2017. I am one of millions of Americans whose data was exposed. 

As a result, millions of people like myself will need to spend extra time and money closely monitoring our credit and watching for identity theft -- for the rest of our lives. Equifax has released a ridiculously comprehensive data set about me that will allow anyone to completely steal my identity -- including filing a false tax return in my name, opening lines of credit, emptying my bank account, and doing any other malicious things in my name they can dream up. Once a complete set of my personal data like this is out there, the vulnerability is not something that will ever go away ; I will now be constantly under real and credible threat of identity theft until I die. 

Equifax acted with blatant disregard for the safety of me and millions of others. It failed at the one thing that was its charge : properly collecting and protecting the sensitive data that 's used by employers, creditors, and many others to make life-altering decisions about individuals and their financial futures. 

And now, on top of it, Equifax 's website will not even allow me to place a freeze on my credit, which is the one thing that could potentially protect me ( even though it means  that I, and millions of others, will henceforth need to manually unfreeze our credit every time a potential employer, creditor, or other authorized person needs to check our credit -- at a cost of {$10.00} every time -- and will need to be done for all 3 credit reporting agencies ).  The Equifax website timed-out when I attempted to freeze my credit, and then offered no recourse other than listing the mailing addresses of the other two reporting agencies. With the broken website and no apparent attempts to fix it, Equifax is failing to even maintain a functional mechanism for affected Americans to help abate the immediate threat of identity theft.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/XXXX a man called me and asked if I could send a box to XXXX I said I could and someone delivered it. On XX/XX/XXXX, he called again and we went thru the same process. I emailed him the receipts and asked him to sign, which he did. I also asked for a copy of his driver 's license and front and back of the credit card. Also done. On or around XX/XX/XXXX, I received notice that he was protesting, saying that the card was used fraudulently. I followed up with my processor and his bank, all to no avail. My account has been charged back $ 1,700+ and I paid XXXX another $ 1,200+ for the shipments. My card service rep told me that he has worked this scam all across the country. His credit card company is siding with him because he is a " Premier '' member. They are protecting a thief and I am really XXXX. I want and desperately need my money back. Chase will not talk to me since I am not the cardholder. They obviously know that this guy has done this dozens of times ( if not more ) and are protecting him. I have attached documents to support my claim. Chase needs to know that this is not OK. This is a Mastercard World Elite Merit 1 credit card. Please contact me if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at IdentityTheft.gov and had several 90-day holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my Transunion profile and the XXXX XXXX card shows as a hard inquiry under my XXXX profile. As an asideXXXX XXXX shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.

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: 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: TX

Complaint narrative:
XXXX XXXX told me they had decided to forgive the debt. They sent me a XXXX showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the XXXX form to me and the IRS then there should be a XXXX balance and this account closed.

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: NC

Complaint narrative:
Due to the recently announced XXXX breach, I have tried to request a Freeze on my credit report with all 3 bureaus. I have tried contacting the freeze phone number for XXXX and Experian that is published on FTC 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with XXXX or Experian. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been 100+ times, literally. In other words, I am not submitting this complaint after only trying the phone number or online 1 or 2 times. I have literally dialed the number and/or tried the online request 100+ times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that XXXX and Experian have provided are not in working order.

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 — Credit inquiries on your report that you don't recognize
Company: United Military Mortgage, LLC
State: GA

Complaint narrative:
I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: OH

Complaint narrative:
Long story short. 

They make it as confusing and difficult as possible to get information -- and subsequently submit -- for a forbearance or deferment. 

I had to do a forbearance with them before, and it was never that much trouble. 

I consider myself very tech savvy, and it confused the XXXX out of me. 
Which is bad because I 'm the one everyone calls to explain stuff to them. lol If I 'M having trouble with their fiery hoops and feel like just giving up and the mountains of crud, I can only imagine someone not as familiar with forms and more " technical '' jargon. 

Used to be able to do it online. 

Now they require going to several sites, printing paperwork, downloading and installing an app, then waiting to contact them again ... Then filling out more paperwork. 

That does n't seem right. 
Especially since there is a strong profit motive to them putting barriers in peoples way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
After the Equifax hack, I tried to use the XXXX XXXX XXXX service online ( XXXX XXXX XXXX ) to view my credit reports. Only XXXX was able to provide this information. Both XXXX  and Equifax were unable to complete the request online. I was able to use the phone service ( XXXX ) for XXXX XXXX XXXX to request credit reports from XXXX and Equifax, but given the current activity and service unavailability, I 'm not going to hold my breath. 

Then I tried to freeze my Credit Reports. 

I was able to do it with XXXX ( and paid {$10.00} for it ) by phone, at XXXX. 

Equifax was unable to furnish me any services at all - phone- and web-based services were both down or unavailable - generally after taking my information and validating everything. Phone : XXXX. Online : XXXX XXXX XXXX I moved on to place a 90 day Initial Alert via XXXX 's online service at : XXXX XXXX XXXX using my personal information. I HOPE that this will propagate to the other 2 bureaus, but I do not hold out a lot of hope that this will actually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank. Called in to get where to send Estate info. Faxed info in. Said they would call in3 days to give the account info from the decedants account. Called back 3 days later with proof of fax receipt and was told that they do n't have any of the info that was faxed in to them. They are trying to say they did not loose the info and then they changed their story saying that a 3rd party takes care of their faxes. The decedent department can not be called directly and my personal information along with my parents info is not accounted for. Have called and been given many excuses and no information on the account that needs to be closed. Guess they are inept and want to keep the funds. Very unhappy with the ineptitude and lack of help in this difficult time.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Over the last XXXX years, I have tried to reach an agreement with Navient. I have requested settlements. XXXX times now, I have submitted all required documents and began a rehab program. The signed documents were not entered corrected or they stated that they were never received. I did resend the documents and the same error from Navient was repeated. I am not in agreement with the debt amounts and the interest accumulated. This service provider, Navient, has not made this an easy process.I have had multiple collection companies contact me with threats. They will not even validate the debt with me personally. I am not sure what to do at this point. I a very frustrated with the overall handling of the loan start to finish.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.

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: TX

Complaint narrative:
XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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: MI

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have already filed several complaints about AES/PHEAA. I was notified by a XXXX XXXX let @ XXXX, who pretended to be from your office, he said he was from CFPB. I found out this morning he is n't from your office, but is actually works at XXXX. 

This has wasted weeks of my time. They AES/PHEAA confirmed and admitted ( see attached transcript of XXXX, conversation at XXXX ( XXXX ) with XXXX that proves they verified the loans are not mine ) the student loans they had XXXX, and collected on, and reported negate credit reporting in my name are in fact, not mine. 
They conclued their investigation on XXXX admitting they made a mistake and have my name on soneone elses loans. I these XXXX loans total {$10000.00}, original amount. My XXXX loans I got was total {$3500.00}. We proved by providing AES/PHEAA, this with my original promissary notes I located recently, the XXXX of my college provided AES/PHEAA with their original shoeinf amounts of my XXXX loans which show different dates and amounts, the dates and amounts are not even close to matching these loans they have in my name, The original lender, XXXX XXXX Bank notifying AES/PHEAA, they never issued me a student loan, and original Loan Guarantor, XXXX, notifying AES/PHEAA, they never were guarantor of my loans. 

XXXX straight forward. But today, this person, XXXX XXXX, told me they know these loans are not mine, and they refuse to remove my name off these XXXX loan 's and correct their mistake, essentially forcing me to pay these loans off, bucause in XXXX they sold the loans to XXXX loans. 

This is absurd, first protruding to be this office, and then refusing to correct their mistake. 

Please for the love of XXXX will soneone from your office call me at XXXX, today. I am a XXXX vet and they are knowingly discriminating against me. 
Pretending to be you.

Company response to consumer: Closed with explanation