vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
They are saying we owe this money back from XXXX. It just appeared on my credit last year. 
I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. 
We moved out in XX/XX/XXXX. We made payments for the last bill. 
We knew nothing of this. 
Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. 
We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. 
We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. 
I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. 
We are moving and trying to get a mortgage for a house and this pops up again on my credit report. 
They have not been helpful They refuse to provide proof, saying the AR report is sufficient. 
I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. 
I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX 
And Accounts receivable report is no evidence. 
I requested a bill for those dates proving meter usage. 
They would not even negotiate or try and settle. 
And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. 
How can they not provide the bill proving the meter usage for those months. 
Which by the way, we did n't even live there Between XXXX and XXXX. 
We made the last payments from when we lived there. How can they tack on {$570.00} on it. 
It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. 
I do not owe this money.

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 a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I applied for the mortgage my bank used a credit report from Equifax. Out of three reports Equifax gave me the lowest score. It resulted in my mortgage interest rate being increased from 4 % to 4.125 %. The report contained the error : there was a credit card listed for which i was not responsible. Note that other agencies did not have that card listed. The complaint was submitted by me and by XXXX ( the issuer of the card ). My complaints were submitted through equifax website. I have also contacted to the manager and they assured me that once investigation is over i will get an email with the result ( we 've agreed on email because it is faster, my mortgage 's closing date is approaching ). I need the official result from equifax to demand my bank to change interest rate on my mortgage. Another problem i have is that Equifax would not allow me to send any information via mail or email. The only way to file a complaint ( as it states on their website ) is over the phone. It is done so that the individual does not have any proofs about the matter.

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:
Today is XXXX XXXX, XXXX. Last week I checked online with Equifax to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with Equifax, XXXX and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My original loan amount for all three loans was {$160000.00}. I had some trouble paying regularly initially in XXXX.I paid but missed some payments and some were late. In XXXX, I set up an automatic debit from my bank of approximately $ 1700/month. I have made every payment since then on time. I currently still owe {$240000.00} and wo n't have it paid off until XXXX, if I live that long. The total amount I will have paid off, if I live long enough to pay this back will {$410000.00}. What 's more, I can not deduct any of the interest that I pay on these loans, unlike my mortgage. My loans were originally held by XXXX XXXX and I consolidated them through them but they are now owned by Navient. I was told when I consolidated them that I could only do it once. The amount of money I pay per month is a significant amount of my take home income, more than my monthly mortgage payment.

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 — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a Bank of America Core Checking Account pursuant to the bank 's advertised promotion, which promised a {$300.00} bonus within 60 days after meeting the following two requirements : 1 ) Open a Core Checking or Interest Checking account by XX/XX/XXXX ; and 2 ) Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account. I satisfied the first requirement by opening my Core Checking account on XX/XX/XXXX. I satisfied the second requirement by way of 3 direct deposits on the following dates : {$1000.00} on XX/XX/XXXX, {$1500.00} on  XX/XX/XXXX, and {$1500.00} on XX/XX/XXXX. Those 3 direct deposits totaling {$4000.00} were made by XX/XX/XXXX -- well within 90 days of account opening. Although I satisfied all of the promotion 's requirements, Bank of America refuses to post the {$300.00} bonus. When I wrote to inquire, the Bank sent me a canned response that fabricates an additional requirement of a " promotional offer code. '' The promotion pursuant to which I opened this account did not mention any offer code, nor did the account opening application contain any blank to enter any code. I explained this to the Bank in a second letter, but received an identical canned response, with only the date and case number changed. For your reference, I attach the advertised promotion as well as my two letters to the Bank and its two canned responses. You will see that the promotional materials are silent as to any offer code.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

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: AL

Complaint narrative:
I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Credit Services, Inc.
State: CA

Complaint narrative:
XX/XX/17 : I am writing to complain about a company who self-identified as " NCS ''. They have been calling me everyday for the last three months looking for my brother. I have asked them three times to take me off their list and told them I do n't know how to contact my brother. When I asked how they got my contact information, they refused to tell me. 

I later spoke with my grandfather, who is 94 years old, and he told me the same company called him inquiring about my brother ( his grandson ), only this time they were calling him for a " job reference ''. That is a lie. They asked him several personal questions about my brother and our family, including contact information, employment information, location information, and debt information. Thnking he was helping my brother, my grandfather gave NCS the information they requested.

I work in legal aid and sit on a statewide committee to end elder abuse. NCS knowingly took advantage of my aging grandfather, lied to him to obtain personal information he would never give otherwise, and led him to believe this was in benefit of his grandson. This alone warrants an investigation into NCS, accordingly to CA law.

Please take this complaint seriously and investigate.

I will be following up. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

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: NY

Complaint narrative:
Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Northern Trust Company, The
State: PA

Complaint narrative:
I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.

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:
As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.

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: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX

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: CA

Complaint narrative:
Equifax Credit Information Services Inc was negligent in the storage of my personal information and account numbers and allowed my data to be breached. Despite my data being breach more than one month ago, Equifax has not notified me and I only found out about the breach from the national media.

Company response to consumer: Closed with explanation