vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

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

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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Because of the XXXX security breach, I 'm requesting a credit report freeze. It took around five minutes to do this with XXXX and XXXX, using their toll-free numbers. TransUnion, however, is totally inaccessible, either by phone or online, and has been since I started trying to reach them on XXXX XXXX. Five phone calls resulted in my being placed on hold for 20 minutes the first time, and then disconnected. The other 4 times, I was placed on hold for only a few seconds before I was disconnected. TransUnion 's website explains the heavy internet and phone traffic due to the XXXX breach, but this has been going on for days, and has n't happened with the other two credit reporting companies. The website asks for al my information, then, at the end, says it 's temporarily unavailable.

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: MD

Complaint narrative:
Equifax was a victim of a significant cyber attack. My identity was stolen in this attack. I have set up alerts on my credit but as one of many victims of this attack, I have not sought recourse. Their free credit monitoring offer makes it so that I am unable to participate in a class action lawsuit which is unappealing and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been a customer of XXXX XXXX for over 2 years, never had any 30/60/90 day lates and even pay above the monthly bill to them on time each month. In XX/XX/XXXX I  went out of the country and my credit cards and personal information was lost. During the time of losing my information my bill was due to XXXX XXXX but I had no way of paying it bc the bank account that pays that bill was closed and I had to wait until I returned to open a new one. I went online today to pay my bill and saw that they reduced my limit from {$7000.00} to {$2100.00}, which hurt my credit score tremendously. There was no communication whatsoever. This is a horrible way to treat a customer that is loyal and pays on time.

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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.

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 monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hello, first of all, I 'm very grateful to have you guys as a resource for these types of problems. Thank you! 

On XXXX XXXX, 2017, I sent a Wire Transfer in the amount of {$1000.00} USD from my XXXX XXXX XXXX Account to Coinbase , Inc through XXXX XXXX XXXX. The Wire Federal ID # is XXXX Coinbase emailed me the same day stating " You recently sent a wire to your account for {$1000.00} USD,  unfortunately, we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. '' It 's been 2 weeks and my bank has not received any money back and they confirmed that the money has been wire transferred out successfully to Coinbase. I have emailed Coinbase 5 times, and I just get automated responses with no solutions. I have nobody to reach in their company.
Can you please help me? 

Thank you! 
XXXX XXXX

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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.

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: PA

Complaint narrative:
Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.

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: MA

Complaint narrative:
Hello, On X/XX/2017, Equifax announced publicly that many consumers credit reporting information was breached. I went to the equifax website to enter the last 6 digits of my social security number to find out if my information was part of the breach. The Equifax system confirmed that it was ( i have a screengrab of it ). Due to Equifax 's lax security, my information has been compromised. I called the company to follow up but kept getting rerouted to different extensions and to dial other XXXX # s that also belong to Equifax. I was unable to request the credit freeze as they advertised on the Equifax freeze website as I could not get to the 'proper ' person! 
Consumer information is to be protected, and through no fault of my own, Equifax systems were compromised. Due to their insecure systems now i have to put a freeze on my credit and monitor that no one misuses my information!

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: CA

Complaint narrative:
On XXXX XXXX 2014 someone placed a security freeze on my account without my knowledge. 
As you might imagine I had issues straightening this whole mess out and rebuilding my credit. XXXX says they picked up the report from Equifax, Equifax denies this and so forth. 

I asked Equifax for the police letter which must be on file to freeze credit. They have denied me a copy, then refuted their own position and told me it was not a freze but a fraud alert. 

Until I get to the bottom of this massive inconvenience I 'd like to keep all alerts as they were so I may discern if law enforcement ( XXXX ) wrote their own letter without my requesting it. 

At th same time XXXX XXXX ( then owned by XXXX ) Cancelled my service because they have the right to do so for no other reason but they can- XXXX XXXX XXXX of XXXX XXXX corporate office prepaid division. The number on my credit reports was the old number so when companies called to verify the freeze/fraud they got a wrong number. 

These series of events may be coordinated in order to create havoc in my life but to also discredit me in a case with XXXX.

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: NJ

Complaint narrative:
Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Due to XXXX 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with XXXX which I have tried ( XXXX XXXX, 2017 ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically XXXX, but rather a call center company, and can not answer any real questions about their services and what signing up for XXXX XXXX does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news XXXX might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because XXXX has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact Experian but their lines are also shut down.

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: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I took a payoll advance with this company, they arranged the payment date as part of the agreement. They deducted a payment from my checking account on the wrong date ( outside the agreement ) which caused me to incur overdraft/returned item fees. I contacted the company and they asked that I send proof of my bank statement showing the debit they made, and the overdraft and NSF fees. I faxed a copy of my statement as agreed. They reviewed my info admitted the withdrawl was made from my account on the wrong date due to an error on their part but they were not willing to cover my overdraft/return item fees. They specifically said it was going to be a " wash '' which I understood as satisfying the payment. I was charged fees from my crediters for bouncing checks in additional to my bank fees. 

This loan originated over 7 years ago from a bank account that I had to close per my bank 's request to ensure they would n't attempt to debit my account in the future. 2 days ago I was notified about my credit report for a collection that was added to my credit report. I called the company but all they can tell me is that they took over the collection and I must pay them half. I tried to explain my bank will not issue a proof/statement after 7 years. They destroy all checks and statements. But they still insisited in proving my case or they would not remove it from my 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 2017-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A attorney filed information in XXXX County Court for XXXX XXXX XXXX XXXX. The debt was not for me ; therefore, the judge dismissed the case. I attempted to contact XXXX in writing but the USPS was unable to delivered the letter since XX/XX/XXXX.  USPS finally " disposed '' of the letter sometimes after XX/XX/XXXX. 

I contacted Equifax in writing twice. Equifax refused to remove the XXXX information for {$920.00}. I also called Equifax and still the information was not removed. According to the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, reporting information must be accurate. Since it is not, I requested Equifax to remove the incorrect information 3 times. As of today, it has not been done. 

I am requesting that Equifax immediately remove to incorrect information from my credit report.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of 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