vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, three years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a 100 point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have called Santander on multiple occasions to attempt to pay the remaining payments on the loan : 1. I have asked for a interest rate reduction because the vehicle is a total loss and the Santander loan no longer has collateral - SANTANDER DENIED MY REQUEST TO LOWER THE INTEREST RATE 2. I have asked for a payment extension/deferment for the past due payments - SANTANDER DENIED MY REQUEST BECAUSE THERE IS NO COLLATERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: NE

Complaint narrative:
I found out about the security breach at Equifax on Friday, XXXX XXXX, XXXX. I checked their site and was informed that my information may be compromised by this breach. On Sunday, XXXX XXXX, XXXX, I placed a XXXX fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Several inquiries are on my credit report with out my knowledge and TransUnion refused to investigate the inquires

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 2017-09-10 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:
The Equifax hack is why I 'm filing a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC.
State: CO

Complaint narrative:
Repeated Loop. Again and again. No way out.
I 'll set up auto withdrawal. But because the loans are not all consolidated, I lose track of them.
Suddenly, I 'll get calls and letters. Then find out a loan has been defaulted for few months. I 'll call new servicer, set up auto withdrawal again. Then get calls several months to a year or two later, another loan defaulted. Finally asked.
They said the loans are being sold to new servicers, but they never bother to tell you, that need to set up new payment, or that they will auto transfer the payment. Once loan sold, auto pay just stops. They could at least say its being moved. They are constantly being moved. All the payments I try to make yup stay afloat are a waste because once the loan had changed hands, the interest and fees just bring it right back to where I started years ago to repay the loans.
Another incident, were they advised they were putting the loan into some other standing and asked for paper work. I literally mailed, faxed, emailed Evey month for almost a year and half and they still call saying the signature and documents have not been received for the loan transition. Today they still regarding this.
I do n't understand. Why, if we are on the phone and I fax it to you while we are on the phone you still dont have it and the account is in default again.
How?!?!?! does one keep up and stay on top of their loans when the servicer is not doing their job to help the student, who are trying.
Its hard enough to try to make three payments, why do the services make it harder by switching hands, not informing you, not transferring the payments instead of just stopping them altogether, if going to stop then notify. and get the paperwork and documents straight. Keep all notes and documents intact. How can you not receive it, plus have verbal confirmation and I keep them on the line many times but still its not correct. How?!?!?!
I ca n't do their job for them, but if I could I guarantee it would have been handled correctly.

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 2017-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is a debt to which I have no knowledge. The alleged debt was originally owned by another collection agency who XXXX the debt upon my dispute. It was removed from my credit file with both Transunion and Equifax. Apparently, First Federal Credit Control has purchased the XXXX debt and has now renewed the collection with the credit reporting agencies. 

I believe this act is illegal. The alleged debt was already disputed by me and XXXX by the former collection agency. A new collection agency should not be able to purchase a XXXX or already successfully disputed debt and then renew collection effort notice with reporting agencies as this could be an ongoing and never ending saga for the consumer. 

Once settled or successfully challenged, the debt should be non-reportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Several inquiries are on my credit report with out my knowledge and XXXX refused to investigate the inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 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: TX

Complaint narrative:
Did not have sufficient security to stop a breach of biblical proportions. It 's embarrassing. 134 million users information leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, XXXXhree years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a XXXX point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: MN

Complaint narrative:
I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CO

Complaint narrative:
I have attempted over the course of 4 years to correct this issue with my credit file. The issue is primarily with Equifax but has been an issue with the other two. There are security questions that allow you to view your report. On these forms are questions about lines of credit, loans, retail cards and bank cards I have never owned. I am, because I have n't the answers to these questions, not allowed to see my report or to properly dispute this information. 

These items are as follows : Mortgage loan XXXX XXXX Home equity line of credit - XXXX XXXX Retail card - XXXX XXXX Retail card - XXXX XXXX Auto loan lease XXXX XXXX Installment Account XXXX XXXX Student Loan - XXXX XXXX If these items are what they seem like, then I have not only been kept from my file, I have also been kept from protecting myself from fraud and I.D . theft. 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
Equifax , Inc. mishandled my personal information ( for example, SSN, DOB , street address ) such that it was possibly disclosed to others without my consent. Equifax experienced a cyber-attack between XX/XX/XXXX placing myself and 143 million other Americans at risk of identify theft. This constitutes improper use of my credit report because the breach is directly attributable to the company 's website application vulnerabilities. In addition to their failure to protect information, Equifax failed to notify the public of the breach within a timely fashion, thereby increasing customers ' risk of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: MN

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 2017-09-10 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: AE

Complaint narrative:
I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
They did not devote enough resources to protect my personal information they were entrusted with, see link below. 

https : XXXX I checked the link on their website and they verified my information had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TX

Complaint narrative:
Equifax was hacked and Equifax has indicated to me that my full name, social security number, credit card information, address, and other personal information was disclosed to unknown third parties, thus potentially endangering my financial health, personal identity, my family 's well-being, etc. 

I would like to pursue any and all actions against Equifax to remedy this situation as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage Company : Shellpoint Mortgage Servicing Loan # : XXXX The servicing of our loan was transferred to Shellpoint. I had questions about the transfer. On XXXX/XXXX/XXXX I sent a Qualified Written Request to XXXX asking if the transfer was done correctly, was MERS used and who has the title/line. 

Today is XXXX/XXXX/XXXX. I have not received any response to this QWR. I sent follow-up letters on XXXX and XXXX asking for a confirmation of receiving my QWR. .I have heard nothing. RESPA requires a confirmation within 20 days and a response within 60 days. I have back up for all those letters including proof of delivery using US PS priority mail. 

I also believe they have reported negative information regarding my credit and status during this period when they should have been working in some reply to my QWR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: AZ

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation