vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 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: TX

Complaint narrative:
I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am unfortunately a victim of identity theft at Capital One Bank.
It seems as if some fraudulently opened credit cards were opened in my name.
I 'd like for them to be removed from Capital One 's system and also my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SOUTHERN MANAGEMENT

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 2017-09-08 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: NY

Complaint narrative:
My problem is simple. I 've started out with a XXXX balance and after paying my monthly payment on time for about 3-4 years my balance have n't budged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recently started looking to buy a car in XX/XX/XXXX but to my surprise, I found out that once I met with the salesperson he told me that they ran my credit XXXX times overloading me with inquiries. It shows differently on all of the reports but the dates are in this range as shown below from XX/XX/XXXX through XX/XX/XXXX Had I knew this beforehand, I would probably would not have bought the car. Please help me. No one is going to give me a chance with all of these inquiries.
***XXXX*** -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- Ally Financial Inquiry from XX/XX/XXXX ***XXXX*** -- XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX Inquiry fromXX/XX/XXXX ****XXXX**** XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/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 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I 'm unable to open either a business and or personal account with Chase Bank and I 'm completely confused as to why. 

I 've had no record of abuse with Chase Bank and I 'm being treated unfairly and would love to be a Chase Bank Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: IA

Complaint narrative:
Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
XX/XX/XXXX : I used the link on Equifax to confirm if I may have been impacted by their cybersecurity breach announced on XX/XX/XXXX. I followed the instructions and received confirmation that I may have been impacted by the breach and to continue credit monitoring enrollment. I followed the instructions provided by Equifax, however the tool is highly flawed and sends me through a loop to enter my information, and then continue enrollment again. I have not been able to enroll in their tool to begin monitoring my credit and track any fraudulent changes caused by the Equifax breach. See screenshots for step by step notations and attachment with HTML supporting that " CONTINUE ENROLLMENT '' has no further procedures for Consumers to enroll. I have the latest OS version, and the browsers have latest patches and proper plug-ins and settings enabled. I looked at the Web debugger and the Enrollment and Continue Enrollment Buttons are EMPTY! They do not have proper redirect to continue enrollment page AFTER it has validated Last Name and Social Security and XXXX. This is a false solution to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed inquiries on my credit X/XX/17 I filed a fraud report due to receiving a call from lending tree stating I was approved for a loan. I advised them I never applied for a loan. I looked at my credit report through my XXXX XXXX  card and I have over XXXX inquiries for credit I never applied for. Then there 's names and social security numbers not mine. I called trans union and was advised the fraud report will fix it. Now my credit score is dropping and I am doing nothing. Then my XXXX card is reporting wrong information. I had to get new bank cards and replaced my credit cards. I just want this fixed.

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 2017-09-08 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:
Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/XXXXI received a letter from Pressler & Pressler, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX. The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and Pressler and Pressler objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
X/X/2017 I read about the Equifax data breach.
Equifax said to go to https : //www.equifaxsecurity2017.com/ and enter information to see if I was impacted.
Once entering my information it said I was now enrolled in their TrustedID service. There was no option to choose to opt-in to this service. There was nothing warning me this would happen and it 's unlawful to force me into opting-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
X/X/16 XXXX XXXX XXXX. I paid this debt with XXXX and it was still sent to collections without my knowledge. I never received any collection communication. There was never a need bc I paid them

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 2017-09-08 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: FL

Complaint narrative:
I have contacted Equifax three times to freeze my credit report and have provided all the documentation they asked for and yet, they still have n't frozen my account. XXXX and XXXX both froze my credit immediately, but I ca n't get Equifax to respond, even after three written requests.
I am now very concerned as I 've learned that Equifax had a security breach and now, my personal details may have been compromised. I am XXXX years old and worried that my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
This week it was announced that Equifax allowed 144 million of its customers information to be accessed by criminals. Mine is apparently among that information. I have called No fewer than a dozen times to their information number and have yet to complete one of those calls. Incredibly, they simply hang up on you. They are apparently going to offer some credit protection scheme sometime in the future to protect the people who they 've compromised. I 'm wondering why this is n't being done immediately? I would like to file a complaint about this company and get some resolution on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
Monthly payment for XX/XX/XXXX made on XX/XX/XXXX, debited from my bank on XX/XX/XXXX.
Shortly after making payment, enrolled in direct debit/automatic payment for slight reduction in interest rate ( not notified, found on their site on my own ).
After enrolling in direct debit, account summary showed that I had a new payment due for XX/XX/XXXX on XX/XX/XXXX.
Suspended direct debit for one month to avoid making two payments, and contacted FedLoan customer service to address the error. Was told that they would correct it in their system.
Followed up with FedLoan on XX/XX/XXXX when my account still showed a payment due on XX/XX/XXXX. Was told again that they would correct it in their system but that it would take 10 days for it to be reflected on my account summary.
Checked my account summary on XX/XX/XXXX and it still showed payment due for XX/XX/XXXX.
Notified via email that my payment for XX/XX/XXXX is three days past due onXX/XX/XXXX. Called FedLoan customer service which then verified I had made a payment for XX/XX/XXXXand that it had been applied to my account, and reassured me they would correct the error.
Received another email on XX/XX/XXXX stating my payment was one week past due. Immediately sent them an email describing the series of events listed above, have yet to receive any response other than they have received an email from me.
As of XX/XX/XXXX my account is showing a payment made for XX/XX/XXXXon XX/XX/XXXX, and payment due for XX/XX/XXXX on XX/XX/XXXX, and a direct debit payment scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Risecredit, LLC
State: TX

Complaint narrative:
Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I read that Equifax experienced a security breach affecting 143 million consumers. I also read that they knew about this hack as early as XX/XX/XXXX, AND that 3 senior executives sold off millions of dollars worth of Equifax stock prior to this becoming public knowledge.
My personal issue, apart from obvious insider trading violations on their part, is the website they set up to see if individuals ' information was compromised.
The website, https : //www.equifaxsecurity2017.com/, has a link to help you determine potential impact : https : //www.equifaxsecurity2017.com/potential-impact/ This URL XXXX XXXX XXXX  throws off a DANGEROUS site message from major browsers ( not comforting when your information has a 1 in 3 chance of already being violated ). It also does not reflect that it is owned by Equifax in the WHOIS lookup, which also does not engender confidence in neither the site 's security nor authenticity.
By way of contrast, XXXX is CLEARLY indicated via WHOIS lookup as owned by Equifax.
1 ) Why is XXXX throwing off a DANGEROUS site message?
2 ) Why does it not clearly indicate that the registrar and owner of the site ( which asks you for your last name as well as last 6 of SSN ) is Equifax 3 ) How does a consumer actually find out if they have been compromised without having to enter their info on a site that is not registered to Equifax and a site that throws off browser security errors? Their XXXX number found here : https : //www.equifaxsecurity2017.com/contact-us/. ( XXXX ) just returns a call failed. According to the site, " For consumers with additional questions, Equifax has established a dedicated call center. The call center is available at XXXX, every day ( including weekends ) from XXXX XXXX XXXX XXXX. Eastern time. " ... I tried calling at XXXX and XXXX am Central Time ( XXXX and XXXX am Eastern ) today ( Friday, XX/XX/XXXX).
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
I am not responsible for this debt. I have never received any correspondence in regards to this debt and I need it removed from credit report because it is negatively affecting my credit score. This needs to be removed from my credit file.

Company response to consumer: Closed with explanation