vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am one of the 143M Americans whose credit information was compromised by the recent XXXX  data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information.
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted 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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to get my free annual credit reports on XXXX XXXX, 2017,  which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I want full validation on my student loans. How much is owed. Where was the money applied to and why are there extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.

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 — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I have a car loan through Brite Financial. I was told at the dealer that I would pay bi weekly but I am being charged weekly which is resulting in me being late every week and every month. I had this car going on three years with only a two-week balance as of right now. I informed the agents that i can not receive calls during the day only after XXXX ( 6 months ago ) and I have received at least 15 calls per week since then. Today I received 5 CALLS!!!! I already made my payment today but they call me back to back. This is presenting an issue with my work. I told several agents to make note that I ca n't have calls until after XXXX XXXX. They said they would switch me to bi weekly once I had a XXXX balance. I borrowed money twice to get a XXXX balance and I was told the only person who can change my payment frequency was off which resulted in another weekly payment and made me ineligible to change my frequency.

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:
My personal financial information was compromised during the security breach of millions of people 's information at Equifax in XXXX 2017.

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: OR

Complaint narrative:
Equifax Fraudulently gave away all of my information without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.

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 — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, because of the XXXX breach, I tried printing out all my free credit reports. It took me six hours of errors messages. I could not get my Experian report online. I got a message saying : We 're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

There is absolutely no reason to not be able to obtain this online. I have tried every day, and I still get the same message. 

Give the crisis with the XXXX security breach, people should have immediate access to their free reports.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I 've pleaded with Transunion to update my credit report. My maiden name is XXXX. All of my former employers have been deleted from my history. My drivers license have been stolen in the name XXXX XXXX XXXX. I 've mailed a copy of my current information to them. 
My last address is XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX XXXX is one of my employers. XXXX XXXX, XXXX XXXX XXXX XXXX is my first employer. Social Security have this information on file.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX, In the beginning, a week after the vehicle was purchased the engine light immediately popped on. Asked for a trade in was denied. A little time after a problem occurred with the wheel Barron 's  and O2 sensor in XX/XX/XXXX. After that occured one of the particular rims bent and had to get a new rim in XX/XX/XXXX. From XX/XX/XXXX -XX/XX/XXXX the engine light constantly popped on and off and brake light began to pop on. In XX/XX/XXXX had to get wheel Barron hubs done again, front brakes, and side brakes .In XX/XX/XXXX purchased new tires and tire pressure sensor went out on entire left side of the car. In XX/XX/XXXX A/C went out and Car started leaking. In XX/XX/XXXX car began to shake. In XX/XX/XXXX had to get front and side brakes done again. InXX/XX/XXXX engine began to jump every time I shifted gears. Currently XX/XX/XXXX, engine light on ( engine still jumping every time I shift gears ), tire pressure light on ( entire left side pressure sensor is n't reading ), car shakes when showing down or when press on brakes, cold air blowing out hot ( leak in the a/c ) Interest rate increased to 28 %!

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: I.C. System, Inc.
State: AL

Complaint narrative:
I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.

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: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I 'm having major problems with XXXX XXXX. We have been trying to purchase a house since XXXX XXXX and now it 's XXXX XXXX. We have had 3 different closing dates and the company keeps jerking us around, lying to us, loosing personal info with our social security and bank account numbers, and passing us around from one agent to another. We have good credit and this company has been very unprofessional and takes no responsibility for these problems. They never fix the problem, they just keep loosing info and prolonging the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did not do their due diligence to protect data and lost over 143 Million social security numbers

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: CA

Complaint narrative:
On XXXX XXXX I was notified by the news, not by Equifax directly, that my personal information was stolen as a result of negligence by Equifax. Using Equifax 's own online system at XXXX XXXX XXXX I confirmed this information. I now have to worry for the rest of my life about my personal information being used to opening illegitimate accounts and debt. This has a financial repercussion in the thousands or tens of thousands.

Company response to consumer: Closed with explanation