vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 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: FL

Complaint narrative:
Equifax is randomly generating the answer to if I 'm effected by the latest hack of 143 million Americans personal identifiable information. This is misuse of my credit report. They have let 143 Million Americans personal data into the wild for all of us to be victims of identity theft. They profit from " monitoring '' this kind of fraud. It 's absolutely unbelievable. It 's the kind of conflict of interest that makes me wonder about this society. It 's fraud. It 's all a fraud. On top of this, their system to check and see if I 'm effected is randomly generated because I doubt they actually know how many credit reports were stolen. The rest of my life I will be forced to purchase from them or the other two, some kind of service to make sure i 'm not hacked. Let alone the fact that anyone could have my identity and use it outside the credit system, i.e. XXXX XXXX XXXX. I 'm suing in open court. I 'll represent myself. The government will not help me. I 'm sitting here in the aftermath of XXXX, and I 'm shaking with rage right now. It 's not like I do n't have a million things to do. I 'll just have to add this to the list. I 'm pretty much done with this society. I 'm going to do everything in my power to become a XXXX XXXX citizen. I have no want to be an American anymore. It 's a sham, all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
The company in question is calling every 90 minutes on weekdays and Saturdays. The company called twice this past Sunday XX/XX/XXXX. I advised them not to call on Sunday and to call back on Monday if they wanted to speak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX XXXX XXXX and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XX/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with transunion and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.

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 2017-09-12 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: NY

Complaint narrative:
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/XXXX that I was given wrong information. I made 3 payment  arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and equifax as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday X/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with experian but was not able to dispute it online with XXXX  and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.

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 2017-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TN

Complaint narrative:
This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/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. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 2017-09-12 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: NY

Complaint narrative:
I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.

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 2017-09-12 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: TN

Complaint narrative:
This is about the Equifax data breach. The breach lasted from XXXX through 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. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a XXXX by XXXX card. I stayed at the XXXX XXXX by XXXX from XXXX XXXX through XXXX XXXX, XXXX. After that stay, I discovered that I had been double billed ; once for my stay and once for the stay of another member of the group I was traveling with. 


I wrote to XXXX requesting a reversal of the charges to my card for someone else 's stay, as well as a reversal of all late fees, interest charges, and negative hits to my credit report. XXXX denied my request and found that the charges were valid. 


Of note, I can not have my phone with me at work. I can not access my civilian email from my work computer. I often come out from work at XXXX or XXXX o'clock to find several calls from XXXX, but their call center is closed by the time I leave and does not open until I have been at work for an hour or XXXX. The few chances I have had to complete a live conversation with a Chase rep have not been fruitful ( I have those conversations saved ; I clearly stated that the conversations were being recorded on my end to avoid any legal complications ). I mention that to illustrate some of the difficulty that we have had in communication. 


The hotel 's XXXX admitted, via email, that the charges to my card should have been charged to sI finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card.omeone else. The XXXX first refused to refund me until another card had been presented, and then told me to do the legwork to find the contact information for the person whose stay showed up on my card, saying that they could n't refund me until they had another card. I provided the contact information to the XXXX. The XXXX responded with : " I finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card. '' That message was sent XXXX XXXX. I still have not seen any refund to my card, and XXXX is denying my appeal to dispute the charge despite the emails I provided to them showing clear mishandling of the account by their affiliate, XXXX. 


I AM showing that my credit statements are being impacted, my Chase/Marriott card has been cancelled due to non-payment ( for charges I did not authorize and for late fees and interest associated with those charges ). 


I have clearly stated several times that I am asking that XXXX refund me the charges for the stay that was wrongly charged to my card along with all fees and interest associated with those charges. I 'm also asking them to redact the negative credit reports that have been submitted. 

So far I have received absolutely XXXX traction from either company. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Please see attached document Requesting redisclosure of loan with end date of XXXX 2025. This should reduce monthly payment amount to compensate for Navient 's deletion of my paid ahead status. 

My primary stated complaint was as follows : I have responsibly paid ahead on my loans to build a financial cushion should circumstances, such as maternity leave, create a burden in which I may not be able to make the monthly payment amount. The purpose is to avoid forbearance or potential missed payments, which would negatively affect a borrowers credit score. Navients policy has communicated that any overpayments would be applied as paid ahead status, but now states that my paid ahead status has been erased, and my security against financial hardship has been eliminated as loan payments may not be temporarily suspended.
Navients response : As the interest rate changes, we disclose the loan to repay the loan within the remaining terms while maintaining the minimum required monthly payment. When your loan discloses due to an adjustment in interest rate, any months that you are paid ahead will be erased.
In comparing Navients response to the posted payment policy, erasing my paid ahead status because Navient has changed my interest rate is a deceptive practice with potential financial harm to a responsible borrower. I have been making overpayments for years, building my paid ahead status in case of future financial burden. Navient has erased the cushion I responsibly built. Additionally, Navient policy states that overpayment is applied to future payments unless expli
citly stated in written communication to apply the extra payment to the principle. Yet Navient does not inform a borrower in writing that they may erase this paid ahead status at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 recently announced a data breach in which my personally identifiable information was obtained by an unknown external party. I am attempting to place credit freezes on my report with all three reporting agencies, and each of these agencies will charge me {$10.00} for this freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MO

Complaint narrative:
Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account. 
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES. 

I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds. 

In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES. 

Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO. 

So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care. 

I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to. 

See you in XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief