vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 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 attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't Equifax be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with Equifax picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ). 

My hope is that the CFPB takes a strong punitive stance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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:
I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by XXXX. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft?
After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed?
This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ).
My hope is that the CFPB takes a strong punitive stance on this issue.

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 2017-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: AR

Complaint narrative:
I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Grant & Weber
State: AZ

Complaint narrative:
On XXXX/XXXX/17 Grant & Weber XXXX XXXX threatened to damage my name and credit, then they falsely reported to the credit bureau damaging and attacking me and my wife 's credit even after I explain this was a derogatory account.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list  that clearly indicate that am not on the list and is an error.
XXXX stated on my credit report that I have an individual tax lien which was reported filedXX/XX/XXXXan amount of {$1000.00} and another one onXX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: HI

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRACO INVESTMENT CORP
State: CA

Complaint narrative:
On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years. 
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period. 
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID. 
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.

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 2017-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I initiated a withdrawal from coinbase ( withdrawal reference XXXX ) on the XXXX XXXX XXXX for the sum of XXXX. The money should of cleared in my account by the XXXX of XXXX XXXX but the money seems to have disappeared. 

Several attempts have been made to contact customer support but all attempts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my information was used to open an account with Care Credit. I did not authorize or open account. I had previous account with Care Credit, it was paid and closed in XX/XX/XXXX. I was made aware of unauthorized account when I received bill in the mail for {$4600.00}. The charges were for XXXX XXXX provided for a XXXX XXXX XXXX. I have no knowledge of this person. I called Care Creit onXX/XX/XXXX I spoke with XXXX, and was advised that he would close account and I would receive. Fraud package in the mail. On XX/XX/XXXX I made a second call to Care Credit. I spoke with XXXX in the fraud Department. She confirmed that the account was closed HOWEVER It was NEVER referred to fraud department. I am still waiting for that package. I have filed. Police a Report with XXXX XXXX XXXX. I made a third phone call to Care Credit onXX/XX/XXXX and spoke with a XXXX, still no package .I did receive a letter from Synchrony Bank stating they had closed my J C Penney account. I  closed this account inXX/XX/XXXX. My credit report also shows the account as closed. Synchrony Bank is provider for Care Credit as well. I feel that they are giving me the run around. I ask for a fax number for the Fraud Department, and was told there is no number. I do not want this on my credit and I did not wish to pay for charges I did not authorize.

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 2017-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC
State: OK

Complaint narrative:
This company is not following XXXX rules about how delinquent an account is before charging off a loan. They continue to misreporte a loan I have with them as not actually being a delinquent as it is to avoid taking the loan off their books and therefore running up the interest I owe them. I would like to work something out with them also but they refuse to put any correspondence in writing.

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 2017-09-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is trying to Foreclosure on me with fraudulent documents that they knew were fraudulent when they sent them to the lawyer to send the Notice of Default letter. This fraud has been going on for years and they are just continuing the Fraud on a daily basis. They were involved with Countrywide Home Loans before they filed for Bankruptcy because they loaned them money and were just trying to recover their investment and then continued the Fraud that was started by Countrywide to start with. I have enclosed documents that prove without a doubt that this debt is fraudulent because the Lender listed on the NOTE and DEED OF TRUST are fraudulent because they are fictitious and were not licensed as a Mortgage lender in the State of North Carolina where the loan was originated. Since the Lender is fraudulent and does not exist they have no Legal claim to collect on this debt. I have also enclosed a document that gives the details on how this fraud started and the methods that were used to continue it to this day. I have also enclosed two copies of the NOTE on this debt one with a Stamp stating the Lender is fictitious and is signed by a Countrywide Home Loans employee and a second copy of the same NOTE whereby the Stamp has been fraudulently removed either by a Countrywide Home Loan employee or by a Bank of America employee. I request and demand that all collection activity on this debt by Bank of America or any third party that they have employed to collect on this debt cease and desist upon receipt of this complaint and the proof of fraud detailed on the enclosed documents. I ask that they notify me in writing that the Foreclosure sale has been cancelled and dismissed because the documents they are using to collect on this debt are fraudlent and they do not have any legal authority to collect on this debt. I further request that any further collection on this debt by any party be considered a violation of the Fair Debt Collections Practices Act of 1977 and be dealt with according to what the above law states.

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 2017-09-21 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: FL

Complaint narrative:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX XXXX, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX XXXX. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being XXXX XXXX XXXX XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current SNHU  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as XXXX Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on XXXX when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

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