vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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: MO

Complaint narrative:
Telephone call to Equifax to place a secure freeze on my account on XXXX XXXX XXXX, XXXX PM XXXX resulted in " Automated system inoperative at this time ... call back later ... '' Using the internet for Equifax resulted in their system being down : See below : Get Answers. Take Action. 
Home Contact Us Equifax.com System Currently Unavailable - Error XXXX We 're sorry. We can not process your security freeze request online at this time. Please try back later. 
To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX Box XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you. 


Equifax XXXX XXXX, XXXX Considering the security breach on Equifax, they need to improve their systems AND not charge for initiating the secure freeze or removing the freeze. Also, the XXXX executives of Equifax who sold $ XXXX PRIOR to announcing the breach need to be fined and imprisoned. Also, if the breach was determined on XXXX XXXX, XXXX why did they take kuntil XXXX XXXX XXXX to make it public - perhaps to sell more stock?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Upon review of my credit report, I see that there is a collection account for XXXX. The last time I reached out to the collection agency I requested detailed documentation ( validation ) of this debt that I owe, meaning under the FDCPA, I am entitled to the following information : 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, complete payment history on this account along with an accounting of all additional charges being assessed. If the above can be provided to me in writing, I will be more than happy to negotiate a settlement, in turn I want this item removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has reported wrong my credit and I have been disputing and they rejected to correct. I did not owe any tax from Washington State and never went out of California. I have called XXXX County and they verified that it is not me. Person name is XXXX XXXX XXXX XXXX owed tax with XXXX XXXX XXXX I am XXXX XXXX XXXX. Attached Driver License. I have done all the way to dispute and they rejected caused monetary damage to me while I am doing the refinance of my house. I need them to correct name and remove it from my credit. Attached report document from county to show it is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: MS

Complaint narrative:
Fox Collection Center XXXX/XXXX/XXXX XXXX I have contract them about this debt an I have n't received an reply but this is not my debt they have n't sent over any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I NEVER SOLICITATED LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: VA

Complaint narrative:
I was part of the recent Equifax security breach, and believe my personal information may have been put at risk due to Equifax 's negligent security practices. I have put a fraud alert on my credit reports, but have neglected to use Equifax 's one year of credit monitoring, as I do not want to waive my right to take the issue to court if I am further damaged by this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TX

Complaint narrative:
shopping around to buy newer car XXXX and XXXX XXXX and brought one. shopping around in XXXX and XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single  inquiry,

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 2017-09-11 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: IL

Complaint narrative:
Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Between XXXX XXXX and XXXX XXXX I applied for a hardship loan modification at the advice of Citimortgage. The loan modification was to avoid home foreclosure of our home at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had fallen about 11 payments behind on our mortgage over the course of 3 years was was unable to catch up. Citimortage advised us to apply for a Hardship loan modification to bring us current on the loan agreement, by which Citimortage would open a loan with the Housing of Urban Development ( HUD ) for  the amount past due that we would be responsible to pay upon the conclusion of the terms of the loan. I agreed and began the loan modification process. During the modification process Citimortgage required us to make trial payment ( TPP ) in the amount of the new mortgage payment for 6 months. During this same time each month that I made a trial payment, I became an additional month delinquent on the original mortgage, to the point that when the modification was finalized I became 17 months delinquent. This resulted in a 30 % increase in the total amount past due for a total amount of {$26000.00}. The Trial payments that I had made during this during that time was then categorized as " unapplied funds '' to the amount of {$11000.00}. These " unapplied Funds '' at the conclusion of the loan were then applied to " Escrow Advance Balance, {$1600.00} '', " Escrow Required, {$1300.00} '', " Accrued Interest, {$6200.00} '' and " Principal, {$2500.00} '' instead of being applied to the balance past due which I was led to believe. 
When speaking with Citimortgage in the matters of how the past amount increased to such a large amount, and how the " unapplied funds '' were used, I was told that the past amount was correct, the use of the unapplied funds were correct, and the math used to draw these conclusion were also correct. When I asked for a copy of the documentation to prove this, I was repeatedly denied.

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 2017-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am refinancing my existing Citibank Heloc with another bank. The process has gone very smooth with the exception that Citibank has not provided a payoff demand. 
One was obtained about 45 days ago but became old then a second one was requested about 3 weeks ago but Citibank is not responding. The escrow officer has been calling Citibank everyday but Citibank has not provided one. 
I was contacted by escrow for help and I have called the customer service 3 times for assistance but so far nothing. I have even faxed requests on XX/XX/XXXX and XX/XX/XXXX ( today ) but nothing yet. I have explained to Citibank that my lock will expire, that it will cost me money but they just do n't care. It should not take over three weeks for a bank to provide a payoff demand.

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 2017-09-11 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:
My personal information was stolen during a 2 month security breach affecting Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Texas Guaranteed
State: CA

Complaint narrative:
I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax did not protect my personal Credit information and was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: SECURITY FINANCE CORP
State: FL

Complaint narrative:
fraud on 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 2017-09-11 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
fraud on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, I closed on my $ XXXX condo. Before I could refinance the mortgage, which is an 80/20 loan from Chase Bank, the housing bubble occurred. Currently, I have tried multiple times to refinance, using the terms and conditions set forth in HARP, and have been unable to do so due to to the fact that my loan is not a XXXX XXXX or XXXX XXXX backed loan. The loan belongs only to Chase. Multiple mortgage brokers have attempted, even with my circumstances meeting HARP criteria, without success. The last attempt at refinance was denied today ( XX/XX/XXXX ). I have made multiple attempts to go into Chase and talk about getting my mortgage refinanced and have simply been told that the 80/20 loan I have is a program that is no longer in effect. I am stuck with a 20 % " home equity '' loan at over 9 % interest. My 80 % loan has an ARM which is at current interest rates, but will change with the market. Chase receives my biweekly direct deposit so the ability to pay is not in question but the loan conditions and inability to refinance are. Furthermore, my credit score has been > XXXX for the last 10 years, so I am a good " risk '' to refinance, even though my loan is still upside down. 
The loan that I have was sold to me but the mortgage broker did not explain that it was an interest only loan. I have not paid off a full $ XXXX on the original purchase price due to this. I have also been advised that this my mortgage is considered a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TX

Complaint narrative:
shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XX/XX/XXXXfor a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,

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 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is saying " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Crystal Moroney, P.C.
State: TN

Complaint narrative:
the guys name is XXXX XXXX. I have repeatedly numerous times asked hit to stop calling me this is a work number. But he refuses even going to great lengths contacting my family members and threatening me with jail or lawsuits. he calls about 20 times a week at all hours of the day. when i ask him to stop he claims he has the legal right to call me as often as he likes and the only way he will stop is when i pay him. i know nothing of this debt and it is from many years ago.

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 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: FL

Complaint narrative:
I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: VA

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