vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.

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 2017-09-13 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: MD

Complaint narrative:
On XXXX/XXXX/XXXX The State of South Carolina expunged a tax lien after I complained that I was in communication with the state to investigate the accuracy of the amount owed, this was because I had to dispute the same year ( XXXX ) tax return with the IRS. In summary, the amount was settled and they issue the expungement. They stated to me " All I have to do is send the letter to all three credit bureaus and they will remove the public tax lien off my credit report ''. I disputed the public record with all three bureaus, XXXX ( confirmation XXXX ) and XXXX ( confirmation XXXX ) deleted the tax lien public record with no issues, Equifax did not after three attempts to resolve, to include calling-in and speaking with a representative who stated that it should be removed. The third dispute was completed XXXX/XXXX/XXXX ( confirmation XXXX ) with a result of verified again. I 'm not sure what else to do other than file this complaint. Please assist me with this and I look forward to your response. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: MO

Complaint narrative:
An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Our earlier 2012 complaint ( Case number : XXXX ) needs to be reopened. Bank of America promised that we could lock our variable interest rate in at a fixed interest rate at any time in the future for our HELOC, but then they did n't abide by that promise. In settlement to the previous complaint, Bank of America promised to cancel/forgive the HELOC, but never did so. Bank of America weirdly asserts that it, without error, modified part of the main mortgage by combining it with the HELOC, however, Bank of America never reduced the mortgage by the amount of the HELOC when it purported to forgive that HELOC. 
See also outstanding complaints XXXX and XXXX. 
We are suffering real damages because of the mess this bank has put us in.

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 2017-09-13 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: WA

Complaint narrative:
Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13 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: MI

Complaint narrative:
I have been notified that I am involved in the Equifax dispute. I wish to freeze my accounts at all three bureaus. Equifax and XXXX offer online locks, both websites were unable to process my online request. My attempt was made on XXXX2017. I also tried to call XXXX and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX 's online service. This worries me, because they say to unlock the freeze online, but their online services are never working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
Equifax did not take appropriate measures to secure my personal information including SSN and was breached. This has now left me exposed for the rest of my life. I will incur several costs now to monitor my credit even more closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NJ

Complaint narrative:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They were subject to a data breach in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.  They have put myself and millions of others at risk of identity theft/fraud. They are further attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. It is further unreasonable that they have not directly notified anyone affected by this incident, nor disclosed the breach in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: MI

Complaint narrative:
I have been notified that I am involved in the XXXX dispute. I wish to freeze my accounts at all three bureaus. XXXX and Experian offer online locks, both websites were unable to process my online request. My attempt was made on XXXX/2017. I also tried to call Experian and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX XXXX  online service. This worries me, because they say to unlock the freeze online, but their online services are never working.

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 2017-09-13 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:
As you know, Equifax credit reporting agency was hacked over a month ago and failed to notify me in a timely manner that my personal information had been stolen. 

I am now advised that I need to freeze my credit report at a fee of {$10.00} per reporting agency or subscribe to a credit monitoring service at $ XXXX year in order to protect my information from being used fraudulently. 

This is racketeering straight up. I am at no fault in this matter, and yet I am being asked to pay for financial protection services to the very same industry that created issue I know need protection from. 

I am unable to access Equifax to discuss the matter either on their web site or by phone. 

If ever there was a need for federal intervention to protect the rights of consumers, this is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been told my inquiry and all but one of my accounts were going removed due the branch and hacking there were unauthorized inquiry on my credit file.And old account they were not mine.I called three times spoke with someone they we delete them .They did but returned back a week later.They are adding address and names to account.I have fraud alert on my account in hopes the removed the inquiry and accounts and they said they would.I am so scared about my personal information and wish they will remove the inquiry and all disputes I have seen in to their company.I was told three times  and giving a confirmation that they will remove them.I did not get a letter stating why they keep adding and removing accounts and playing them back due the hack they are really tripping weekly.Please help resolve this .I didnt do any of them inquiry on my credit file and would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with AMSHER COLLECTION SERVICES. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with AMSHER COLLECTION SERVICES. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: PA

Complaint narrative:
Equifax 's lax security caused my information to be stolen and leaked publicly, including my personal PII like SSN, DOB, Name and Address. Now I am a target for fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: FL

Complaint narrative:
******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 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: FL

Complaint narrative:
XXXX*****THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1.  XXXX XXXX XX/XX/XXXX2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10XXXX XXXX XX/XX/XXXX 11.  XXXXXX/XX/XXXX 12. XXXXXX/XX/XXXX 13.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 2017-09-13 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: NY

Complaint narrative:
Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been a Citi credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I called Citi at XXXX to request a replacement credit card due to the chip not working with my current card. They indicated they would mail the replacement card via US mail. Over a week went by without receiving the card, so I called Citi back on XX/XX/XXXX. The Citi representative indicated that he  would overnight a new replacement card at no charge to me. For some unknown reason, the Citi representative ordered two replacement cards to be sent via XXXX trackable overnight shipping. On XX/XX/XXXX, I received notification from XXXX that the cards had been delivered to my home and " left at front door ''. I checked my front door, and the neither XXXX package was there. I contacted both Citi and XXXX and spent a good part of my day concerned that my card ( s ) had been lost/stolen. I asked Citi to report my card as lost/stolen and overnight a new card to me with a new account number, and require my signature from XXXX since the previous two cards had apparently been lost/stolen. The Citi representative refused to require my signature. Later that day, I found out that the cards had been delivered to the wrong address. On XX/XX/XXXX, I noticed a {$6.00} " expedited card service charge '' on my transaction history that was assessed on XX/XX/XXXX. I called Citi and spoke with XXXX / XXXX and explained the situation and asked that she refund this {$6.00} charge. She indicated that she needed to perform an " investigation ''. I asked to speak with her manager, XXXX, who apologized and indicated that XXXX could have refunded the {$6.00}, but that he would take care of it on XX/XX/XXXX, following my statement end date of 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 non-monetary relief
Consumer complaint received 2017-09-13 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: RI

Complaint narrative:
Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: NH

Complaint narrative:
Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.

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