vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I was told by a representative at XXXX XXXX XXXX that multiple fraud checks were attempted to be deposited into my account and were returned as frauds. 

They informed me to contact consumer agency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

TransUnion hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX XXXX in  XXXX, for example.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since the Equifax credit breach I have tried on numerous occasions to freeze my credit account and also to sign up for credit monitoring. When trying to freeze my account I constantly get a 500 error code from Equifax stating They are not able to to do this at this time, and then give the address to the 2 other credit agencies to get them to freeze their accounts? On the credit monitoring site, it refuses to go through even though I have given all the required information. 

Something needs to be done to make these people do what they are supposed to do they are making it impossible to protect ourselves.

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: NY

Complaint narrative:
I have just become aware on X/XX/2017 that my personal information may have been impacted by the issues with Equifax. At this point, I do not know if my personal information has been compromised. However, Equifax 's own site says that it could have been. I want to be proactive with this situation and prevent anyone from using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX, I called Navy Federal Credit Union in regards to relief from XXXX XXXX and was told that because I have a " VA Loan '' that they can only offer a forbearance rather than a deferral of mortgage payments. I feel that this policy discriminates us veterans, especially in such a time of need.

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: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance  showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a letter from Capital One regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and XXXX. 

I contacted both agencies and they did not receive a inquiry from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The mortgage company refuse to work with me in order to get a loan modification.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a result of the XXXX data breach, I was trying to freeze or lock access to my credit report to prevent identity theft. After successfully doing that with XXXX, I attempted the same thing with Transunion. After completing my request and locking my report, I received an email informing me that I was being charged {$22.00} monthly. 
At no time while completing my request was I presented any costs or let alone asked to approve charges. I did provide credit card information, but it was requested in such a way that I thought it was a part of the identity verification process. 
The only way to contact Transunion is by phone. So, when I tried to contact Transunion by phone, I could not get through leaving me with no way to resolve this issue. I tried three different times. There is no email contact method offered. 
My major complaint is that the website is at best confusing and at worst deliberately misleading.

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 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: IA

Complaint narrative:
We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: PA

Complaint narrative:
I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX  with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.

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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
My employment information is not listed or showing on my XXXX XXXX, XXXX and Experian credit report : I work at XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND, ( XXXX ) XXXX, Position : XXXX, Annual Salary : {$1.00} 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: 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:
This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted equifax around XXXX-XXXX-2017about my inquiries and my name and updating my phone number and I told them that my inquiries all of them were not mines and I did n't applied for credit in the past and they did there investigation and my name is wrong to and they are unable to update my phone number and remove my inquiries and did n't update my name or my number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.

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: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.

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