vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I got my information hacked in the Equifax Breach. 

Dosnt is sound insane to anyone that I have now pay money to freeze my credit ( with all three agencies because just doing it for XXXX is useless ) out of my own pocket to stop the damage this is causing? There are between $ XXXX {$10.00} for put a freeze at each agency, but I to repay that everytime I want ot unfreeze and refreeze. KEEP IN MIND I HAVE NOTHING TO DO WITH EQUIFAX. I DO NOT DIRECTLY USE THEIR SERVICES, THEY JUST XXXX UP EVERY PEICE OF INFOMRATION ABOUT EVERYONE AND NOW THEYVE LOST IT. 

I fail to see how this is anythnig related to me, yet now I am having to pay for their mistake. 

fix this please

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon learning about the XXXX security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to place a 90 day fraud alert hold on my credit with Equifax for 7 days now ( starting on XXXX/XXXX/XXXX ), and each time I get a generic error : " Our system is currently unavailable We are currently unable to add initial 90 day fraud alert or XXXX XXXX alert to credit file online. Please try again later or click here to print a request form. If you need to install XXXX XXXX click here ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.

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 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint involves Transunion. I want to place a freeze on my credit. I was able to do that by phone for my husband. Next, I tried to place a freeze on my own credit and the recording stated I had to speak to an agent. This was on XXXX. The line was busy. I tried 4 more times and the line was busy. I tried to call them directly and no one ever came on the phone. On XXXX I tried again to put a freeze on my credit with Transunion by phone. Again the recording sent me over to a phone line that was busy. So, then I went online and wanted to place a freeze. The website would NOT let me do that. Instead it wanted me to buy True Identity which is a product. I DO NOT want it. I want to be in control of my credit. Please help me with this. I have not been able to speak with one human being, except a nice lady with Consumer Finance. This must stop! These credit people are taking advantage of all of us, especially at a time when we are informed, months after it happened, a breach had happened. Please reconsider the power these groups have been given!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX data breach has exposed my personal information through negligence, and other companies such as Transunion and XXXX charge or make their credit freeze options difficult to access.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i bought a used XXXX XXXX XXXX onXX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

Company response to consumer: Closed with explanation