vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: NY

Complaint narrative:
Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CO

Complaint narrative:
Have been alerted my personal credit data has been breached by Equifax. Have spent an hour attempting to contact anyone at Equifax via phone numbers ( have called all of them during business hours ), live chat ( system appears permanently down ), and via links on their website ( these all lead to error messages ) to place a freeze on my credit. 

This is inexcusable and perhaps the federal government can step in to force this company to communicate with it 's victims and make their supposedly free services available immediately. I 'm not sure what to do in this situation as I can not force them to fix their phone lines, website, or internal communication system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MA

Complaint narrative:
This morning, X/XX/17, I tried at least three times to use the security freeze option offered online at Equifax 's web site at freeze.equifax.com. Each time, after following all the steps, I received a " 500 '' error message. I then went to equifax2017.com, and followed the instructions, to no avail. I tried the phone number given for freezing my credit at Equifax, XXXX. Following all of the prompts, " 5 '' and then " 3 '' I got through to the freeze function and was informed by a recording that it was unavailable. Through XXXX 's web site, I then tried another Equifax number, XXXX. After waiting on hold for a while, a representative answered and told me that in order to freeze my credit, I needed to go to www.ftc.gov/XXXX. I went there, and could find no means to freeze my account. Searches on that site for " freeze '' and " security '' revealed nothing. I then called the XXXX number again, XXXX, and was told that I should NOT use the ftc website, and instead should go to equifax2017.com. When I told the representative this did not work, he went away for a moment for further instruction. When he returned, he could do nothing but read from a script with the same instructions and say " I 'm sorry. '' I told him that the information being providers was useless, and he said " I 'm sorry '' as if he truly meant it ; I felt badly for him that he was put in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: IL

Complaint narrative:
Equifax data breach I never recall giving permission to Equifax ( or XXXX, XXXX or XXXX ) to have, hold and steward my personal information. They had a data breach of my personal information and now when I need them the most to place a TIMELY credit freeze on my information, I ca n't get it done online or via phone utilizing THEIR processes. Meanwhile everyday that goes by, I am exposed!! This is unacceptable correct? Additionally, due to THEIR failure I am forced to place a freeze with the other three agencies all of whom want to charge me money to do so. How is that fair to me as a consumer??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: NY

Complaint narrative:
Re : Equifax Data Breach On XXXX XXXX I called Equifax about their Data Breach. They told be to go to the site www.equifaxsecurity2017.com to find out if my information was compromised. It was. I tried calling back Equifax today, XXXX XXXX and can not get through to them, since the information showed my credit information was compromised. I need help to find out what to do to make sure my information is not being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX investigated the following listing, XXXX XXXX XXXX XXXX  XXXX XXXX ..., on my credit report. Upon completion of their investigation, they deleted the referenced item. I was notified of the investigation and subsequent deletion. 

USAA continues to list the item, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ..., on my USAA Accounts, claiming the bankruptcy is a primary reason for my credit report being low. 

It appears USAA is artificially lowering my credit score on their website and/or my accounts and charging me a double digit interest rate insisting the information is still being reported and/or provided to them by 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 2017-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I live in XXXX XXXX, Fla. Where we were recently hit with XXXX XXXX , where house was damaged and I 'm faced with overwhelming amount of bills, I reached out to get help with forbearance on my loan, being that 's the Law, and this company BSI Financial Services , is refusing to help 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 2017-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PR

Complaint narrative:
Property in controversy is the main home of my family and we are interested in considering the options in full to be able to retain it. For this reason, on XX/XX/XXXX, we began the loss mitigation process " Loss Mitigation '' with Ditech Financial LLC. 

From XX/XX/XXXX to XX/XX/XXXX, all mortgage payments were made and collected by Ditech. Including, the payments corresponding to the months of XXXX and XXXX of XXXX were sent to Ditech but for reasons that we do not know they refused to collect them and they were returned. 

Due to Ditech 's delay in responding to the request for mitigation of losses and refusal to collect the months of XXXX and XXXX, we were obliged to file a complaint with the Office of the Commissioner of Financial Institutions ( OCIF ) case number XXXX dated XXXX XXXX, XXXX. 

After the complaint to the OCIF, Ditech sent us two communications requesting the filing of the loss mitigation forms again and the updating of the documents requested with the petition. Again, all documents were sent via fax, mail and via the company 's Internet service on XX/XX/XXXX. The two filing processes were conducted using One Stop Housing Agency 's counseling in XXXX 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 2017-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: NY

Complaint narrative:
personal private information was not held in high-regard, and now in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
They refuse to allow the consumer to dispute wrong information online without purchasing a Credit Report with a report number. 

They will ALWYAS show a generic " Unable to honor your request. '' message on the website.

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 2017-09-14 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: MI

Complaint narrative:
Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Account Resolution Corporation
State: IL

Complaint narrative:
I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX  XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: ID

Complaint narrative:
Equifax Inc. has publicly stated that its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Some XXXX and XXXX residents were also affected. Checking with Equifax directly, all of my personal information is likely to be compromised, including : Name Social Security number Birth date Addresses Driver 's License number Credit card information Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX  through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 other consumers. 

So far I have set up a 90-day fraud alert with credit bureaus to notify me in the event and fradulent applications are made based on my compromised information. Ultimately, without major credit reform, I will be at a higher risk of identity fraud for the rest of my life. 

Equifax did not utilize appropriate security measures to keep my personal information and identity safe. Furthermore, they were aware of the security vulnerability prior to the date of the actual cyberattacks. It was a gross negligence of personal information management and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: WI

Complaint narrative:
Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: OH

Complaint narrative:
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CT

Complaint narrative:
I left XXXX as my primary carrier in XX/XX/XXXX or XX/XX/XXXX. I had a balance of {$300.00} from this account. I talked to a representative to arrange a payment agreement, but within two weeks I was sent a notice in the mail from a collection agency, Diversified Consultants , Inc . The original {$300.00} rose to {$690.00}. I asked where did the addition fees came from and the company said this was due to equipment / devices, which was a XXXX and XXXX tablet. I told the company that I had already paid for the XXXX and XXXX never issued me a statement about the balance for the tablet which I had been paying on for two years every month. Since XX/XX/XXXX this company has frequently called my phone at all times of the day, morning and night. I have talked with three representatives and a supervisor about reducing the fees, arranging payment plans and getting the company to stop calling me while I 'm on my job. I have paid this company {$300.00} yet I continue to receive phone calls and I was sent a notice on XX/XX/XXXX for {$550.00}. On the last payment I provided through my debit card of {$78.00} in XX/XX/XXXX the  company double charged my card and I did n't receive a refund until I had to talk with a supervisor and my payment arrangement had to be renegotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
wells fargo sent me a card I did n't apply for

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 2017-09-14 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: AES/PHEAA
State: TX

Complaint narrative:
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2017-09-14 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: OH

Complaint narrative:
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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