vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to provide proof as required to under FCRA. The claim they investigated but have not provided proof. 

accounts Account name XXXX XXXX Account number 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 2017-09-26 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: MA

Complaint narrative:
The events started with the Equifax security breach ( XXXX ). 

At this time, no money has been stolen but there have been attempts to breach my, and my families accounts since this date. The most recent, XXXX, was an attempted breach on our XXXX account which was caught by their two step authentication process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my 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 monetary relief
Consumer complaint received 2017-09-26 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: WA

Complaint narrative:
It was recently discovered that a very large data breach occurred within the Equifax system. After some research I was directed to Equifaxsecurity2017.com to determine whether my personal information was impacted. The following message was shown after providing my personal information : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXX. 

While I have since enrolled in Equifax 's XXXX as well as XXXX XXXX  XXXX programs, which are both FREE. I have, in addition been able to put a block on my credit profile for both of these agencies without a cost. 

The problem I now have, is when trying to achieve the same sort of credit block for XXXX, I am directed to a FEE-ONLY service unless I qualify as a victim of identity theft. 
I feel that based on the type of data that was compromised ... Social Security numbers, birth dates, addresses and even some driver 's license information ... all of which can now be potentially used without my knowledge for the rest of my life, that I would qualify as a victim of identity theft. Therefore, I feel I should qualify for a free credit block/freeze option from any bureau collecting and reporting my information. 

XXXX specifically requests a valid copy of a police report, investigative report or complaint filed with law enforcement agency to qualify for a FREE credit freeze. 

Please send me a certified copy of my formal complaint so that I can protect myself against any potential future threats against my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Miller, Stark, Klein and Associates
State: IA

Complaint narrative:
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX XXXX from this number. They may have tried to use other numbers but left no messages. 

I even blocked them but they continue to leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: NC

Complaint narrative:
Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Liberty Loan Co inc.
State: TX

Complaint narrative:
I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Issue clarification : BoA WILL close cc account not IS closed Received email notification that they will close overdraft CC is not used by deadline. I called the local branch to resolve and was told no one available and I needed to go online, schedule an appt inside the bank. We all know banker 's hours. And I work those same hours so basically I need to change an amount on their cc, keep track of that charge, pay it and that resolves it. Banks are become more and more insular : self absorbed and dismissive. My concern : what happens to those customers who do n't have time or money to respond to the growing isolation we all feel as customers? 
I posted this in XXXX XXXX : As a long time loyal customer you and I stand at a crossroads.  Today I received this notice : " Your Bank Americard Rewards Visa Signature ending in XXXX has been inactive and will be closed on XXXX XXXX, XXXX, if you do n't make a transaction by XXXX XXXX, XXXX. '' I have limited time to deal with your issue so I called the branch office. Due to the apparent inconvenience of my call a recording informed me that no one was available to deal with me and I was 'invited ' to go on-line and schedule an appoint to come in, at your convenience, to resolve an issue that you created. Think about that for a minute from a shareholder and customer 's perspective - you exist to make your shareholder 's money ( we hold BoA stock ) and secondarily to serve customers needs. I hope that BoA can see the irony in that. At this point I know that you will provide boiler-plate-justification response, which is tiresome and mystifying given the plethora of public platforms that are more available to your customers than BoA is or has been over the last 15 years. Im tired of being repeatedly marginalized by BoA. I await your response this request : You contact me within 24 hrs to resolve your issue. If not, there are other banks willing to accept our accounts. Example : XXXX personally answers the phone at the local branch where we also have accounts.

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 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My identity was stolen last XXXX and several credit cards were opened and successfully had charges on them ( not very much, but enough ). These fraudulent accounts were caught quite quickly and closed. My credit score was XXXX prior to the fraudulent activity. After, it was XXXX. One year later, it has not recovered at all despite the information being " wiped '' from my credit report. Experian is stating there is nothing that can be done. They are stating that I should be contacting the companies I do business with like XXXX XXXX, who are providing a free FICO score as a benefit through my card. XXXX XXXX is stating that I need to contact Experian. I am stuck in a vacuum, with no way out and no hope of a better score. I am paying more on things like car insurance because of this nightmare.

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 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
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: Check Fraud Services
State: CA

Complaint narrative:
A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: First Data Corporation
State: DE

Complaint narrative:
I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have  done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.

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 2017-09-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, 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 monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My husband & I were involved with the Equifax security breach. 
I registered him ( XXXX XXXX ) with Equifax on X/XX/2017 for a credit freeze with confirmation # ' XXXX XXXX XXXX ... .then enrolled him in their offer for free fraud protection with Trusted ID. However in checking back, he is unable to access his account it says " an error has occurred '' ... ..Repeated calls to Trusted ID involving 3-4 hr waits on the phone on a daily basis were unsuccessful. Their website was non operational. I 've received text alerts about " detected activity needing attention '' ... unable to reach anyone at the phone # listed, nor the website. 
I, XXXX XXXX enrolled with Equifax also on X/XX/2017 with confirmation # XXXX. After repeated calls and online attempts to register for the free fraud protection with Trusted ID after 10 days I reached a person who registered me stating I 'd receive an email within 24-48 hrs to set up a password. Daily calls with waits up to 3-4 hrs have been unsuccessful. No luck via website. Letters sent for credit freeze, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : 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/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made so many attempts to have the fraudulent XXXX XXXX XXXX hard inquiry on my Equifax removed. I became aware that I was a victim of identity theft after seeing a hard inquiry on my Equifax credit report on XXXX XXXX, XXXX. I immediately called Equifax to get more information on the inquiry on that day. I was told that I would need to contact XXXX XXXX XXXX to get more information. I called XXXX XXXX XXXX and was transferred to their Fraud Unit. I spoke with XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and he confirmed that indeed someone tried to not only call in but also use my information online over six times to get cell phone service with them. XXXX XXXX XXXX became suspicious and did not mail out the phones to the criminals trying to use my information. It was too late and an hard inquiry had already been placed on my report. XXXX XXXX XXXX worked with me and even sent out a letter to Equifax and the other bureaus to help combat this problem. After speaking with XXXX XXXX XXXX, I made several calls to Equifax from XXXX XXXX, XXXX to XXXX XXXX, XXXX asking for this information to be removed. I even sent in a letter and attached the letter that XXXX XXXX XXXX sent to Equifax asking that the fraudulent inquiry on my report be removed. I have attached the certified return postcard that proves that Equifax received my request for removal. This is the second time I sent a request to them by certified mail. The first being on XXXX XXXX, XXXX. 

It is my feeling that Equifax is the reason that my personal information was compromised in the first place as I letter received a letter from XXXX. XXXX became suspicious on XXXX XXXX, XXXX that cyber hackers were trying to use my personal information as they tried multiple times via the internet to use my information to get cell phone service. I called Equifax again after receiving the letter from XXXX in early XXXX about this incident. Still Equifax dragged their feet, I feel like a victim twice.I recently became aware by checking Equifax website about their security breach, that my personal information was indeed compromised. 

I feel robbed and I ca n't trust that this wo n't happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Following the Equifax data breach reported in XX/XX/2017, I attempted to check on the Equifax website to see if I was impacted or not. Because I live in the XXXXXXXX for the most part, the website did not work so I called Equifax 's call center. 
The call center agents were unable to help me and told me to contact Equifax XXXX, though I am a US Citizen with credit cards and bank accounts in the USA. 
I was told that there was no other way for me to check on anything and that they were very sorry that they could not help. 

I have now paid XXXX to place a freeze on my credit as I can not check or be sure what the situation is, and Equifax wo n't tell me much more.

Company response to consumer: Closed with explanation