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: MT

Complaint narrative:
Equifax Credit Reporting agency failed to protect and keep secure my personal information allowing it to fall into the hands of unknown individuals. In addition Equifax failed to notify and report the breach in a timely manner to try and mitigate damage, instead allowing their stock holders to liquidate assets before the company took a hit. 
Rather than fixing and owning up to the mistake, Equifax has created a website that is randomly generating yes no answers on whether the breach has affected you, and is offering monitoring service to keep your identity safe from Equifax itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My mortgage was paid in full last year but the mortgage company has failed to file a lien satisfaction letter. l am experiencing tremendous financial hardship as a result.

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: RI

Complaint narrative:
Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been trying for the last XXXX days ( XXXX ) to establish a security freeze on my credit file with Equifax. Their website is down, I ca n't get through to their customer service #, and the " incident '' response call center reps tell me they can not assist me with establishing the freeze, do not know what # to call at Equifax to establish the freeze, and suggest I " keep trying '' to access the downed website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc.
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I 'm trying to rent an appartment and when they check my record it 's saying that I have felonies but I 'm not the person on the record report, I 'm not XXXX XXXX.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or 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 2017-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife received a check in the mail for work on a job she arranged online. The instructions were to use part of the money received to pay a third party for their work. She deposited the check with our Chase account on Wednesday, XXXX XXXX. Almost immediately after depositing the check the person who sent it starting contacting my wife insisting she pay the third party even though his check had not yet cleared. The whole thing seemed extremely fishy so my wife called the bank on Friday the XXXX to report that she thought it might have been a scam. The bank researched the check and found it was fraudulent. 

At this point they Chase immediately froze our account. They did n't just freeze the funds from the deposited check but absolutely all our money on the spot. My wife went into the bank with all correspondence from the person who sent the check as well as all evidence that we were being scammed. We were informed that they account was electronically locked and that they could not do anything about it for XXXX to 5 business days. They offered a one time exception to take some of our money out of the account. As we were told it would only be a few days we took XXXX $ out. On Monday we called a number they had given us to check to see if the account was unlocked. They told us it would take XXXX to 7 business days. I went back into the bank the next day to try and get more money out. After an extremely long wait they told me that the bank flagged our account for closure and after XXXX to 10 business days they would mail us the remaining balance of our account. We were told it was an Escrow check so we should have known something was wrong. I informed them that I did n't know what that meant and it was not common knowledge at all. 

We had been with Chase for several years and not once had an issue of depositing a bad check. They froze all the money we had for food, bills, ect that had nothing to do with the bad check and made it unavailable for close to two weeks and slowly mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Called myself and relatives and friends multiple times. Used abusive and rude language. Threatened the use of law enforcement.

Company public response: Company disputes the facts presented in the complaint
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: CA

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 2017-09-12 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: PA

Complaint narrative:
Equifax failed to properly secure my most sensitive data, including my SSN, DoB, Address, and other highly sensitive information, as it was recently reported as compromised. My information can be used not only to obtain credit in my name, but to obtain medication, lift credit freezes I put in place because of this hack, fraudulently file tax returns, and even to obtain cell phones with my own number ( eg, claiming they lost 'their ' [ my ] phone ), and utilize said phone to log into accounts where secondary authentication is sent to my phone. This last case will allow access to every account I 've taken to precaution of protecting with additional measures, such as my email and brokerage account, and the subsequent accounts linked to my email account. 

For the rest of my life I will have to carefully watch my accounts and pay for services to monitor my credit and identity because Equifax could not properly and securely store my most personal and sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a payment online kept getting system error and payment was not processing. When I called the XXXX XXXX XXXX XXXX, they wanted to charge me a fee for taking payment over the phone. So I refused the pay over phone. After an hour of attempting payment online, payment was successfully made. I had a zero balance, I recently looked at my account and noticed that because my payment was made after the bank time zone 12 minutes a late fee applied for that month and the following month. I did not get notification of late late fees. On top of that interest is being charged on late fees. When attempted to contact company they said they could not remove. I have never dealt with a company that is so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I tried to do a Loan modification with shelllpont mortgage. My husband had XXXX. I am having trouble making payments. My interest is at 6 % They refused to help me after waiting over 3 months. Sending in the same paperwork over and over again. They said I had too much equity in my home. You would think this would be a good thing. I have been living in this house for 40 years. I do not wish to lose it. All I am asking for is a lower mortgage payment. Shellpint is obviously making a lot of money off of me.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. Experian was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of XXXX then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV XXXX division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV XXXX told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and transunion sent me back that they completed my request and the information was updated. They already had the information that the liens were released. I needed them removed so that it wo n't hender me with employment.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have used Equifax services in the current year of XXXX to provide a credit report for a loan. Equifax, for its incapability of holding onto my information and personal identity safely is a danger to me and my mother 's credit which is an important asset to our lives.

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: NC

Complaint narrative:
After the XXXX breach, I attempted to freeze all three credit bureau accounts. I was successful with two of the three. I had a problem with Experian. After entering all my data, I was informed that they could not process my request for a freeze. They allowed me to upload documents which might help get me approved. Thus, the process began. I scanned four valid documents, driver 's license, passport, XXXX  card, and social security card. Every time I tried to upload the scans I got a different error. First, I was told it could not be in color, next time I was told it could only be a TIFF file, next time I was told the grayscale TIFF was really a color file, the next time I was told after redoing the files that I had timed out, but only after my fifth attempt. This company is run by 1980 rejects. How can the government support such an archaic business? Right now, I am stuck with having to run copies and mail, while I wait, wait, wait for a decision. I only wanted to freeze my information. What frustration! 
Experian had never set the standard from which they were operating. It was only a guessing game plus two hours for nothing.

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