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: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: OH

Complaint narrative:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

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 was already discharged in bankruptcy and is no longer owed
Company: SB Holdings, Inc.
State: AK

Complaint narrative:
I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}

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 2017-09-11 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: FL

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security number, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent letter stating the restructure of interest only loan to principle and interest loan which more than doubled our payment to over {$2400.00} a month beginning in XXXX. We contacted them for assistance right away. Completed paper work twice, to no avail. They switched case manager in middle and started again. Had never had a late payment ever until XXXX, when my SS benefits could n't cover increase.

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 — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.

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 — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
As noted in a previous complaint, the company was dual-tracking during the loan modification process. First application was denied and the appeal was denied but they referred the account to foreclosure during the process before decisions were made. They denied this of course, even though the account was referred to foreclosure after the appeal was submitted but before a decision was made on the appeal. The new issue is that the company encouraged re-applying for assistance, so we submitted a new application. They contacted us that they needed updated pay stubs.These were submitted on XXXX XXXX, well before their stated deadline they gave to " preserve our protections. '' As of XXXX XXXX, we have not received any further information from the company as to the status of the second application. We have left messages with our account representative numerous times asking for an update, but we have not received a response. It is beyond the deadline for them to have given us a decision but we have not received any information from them. We are assuming they have proceeded with the foreclosure process despite not following the proper procedures.

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

Complaint narrative:
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks.

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: NJ

Complaint narrative:
XXXX did not protect my information, so I am at risk of having my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In early XX/XX/XXXX, while filing XX/XX/XXXX taxes, I realized that my private loan XXXX statement had no interest claimed on it. Upon further research into my payments ( interest amounts etc ) and research into obligatory reporting by lenders I found that several thousand dollars in interest SHOULD have been reported and were not. I contacted Navient, the lender and after sending them paperwork verifying that I was a XXXX XXXX XXXX AND the money was used for tuition/school related expenses ( they claimed it was not ) they did in fact issue an amended XXXX for XX/XX/XXXX. 

Realizing this had been the case for XX/XX/XXXX I then researched what interest I claimed on my taxes for XX/XX/XXXX for my private loans serviced by Navient. Although I was in school for part of the year in XX/XX/XXXX and had deferred my loans I still had payed well above the {$750.00} legally required for it to be reported ( in fact I paid close to {$3000.00} that year as well in private loan interest ). I made another phone call and they requested I submit the EXACT SAME FORM I had already submitted for XX/XX/XXXX-in fact there was nothing, whatsoever, that would have differentiated these 2 forms. Initially I was resistant to doing this again as it involved faxing these forms at MY expense of time and money to them and they already had signed proof that the money they loaned me was used for school while I was a XXXX XXXX XXXX. Over the course of XX/XX/XXXX through now ( XX/XX/XXXX ) I contacted them at least twice a month and submitted these forms for XX/XX/XXXX not once but twice and they have still not provided me with an amended XXXX for XX/XX/XXXX. Most recently I contacted them on XX/XX/XXXX and they said the form would be available by XX/XX/XXXX- this did not happen. I called today and they said it would be sent by email within 24-48 hours, the same story as all prior phone calls. Each time I call they tell me in 24-48 hours I will get an email with the amended form or that it will appear in the tax statements section of their website when I log in. I have spent many many hours on hold and on the phone with them for a form they have a legal obligation to provide to me with the correct interest amount on it and I believe they are simply running me around.

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 — Frequent or repeated calls
Company: Alliance Collection Service
State: AL

Complaint narrative:
I get calls from Alliance several times per day every day, I have no idea which debt they 're trying to collect on.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I tried to find out if my personal information was part of the Equifax data leak. I went to the Equifax website to find out if I had been part of the leak, and I never received an email or any notice that I was part of the data leak. I attempted to call their service number today because it turned out I may have been enrolled in identity fraud protection I neither want nor need. This phone call took place on XXXX XXXX, 2017 at about XXXX XXXX. and I spoke with their operator XXXX. XXXX informed me she was unable to help me and to call another customer service number. When I tried that number the line was disconnected. I 'm really sick and tired of not being able to access my credit report, and I 'm really tired of not knowing if this is the 13th time in my life I 'm going to have to deal with identity fraud. I wish I could sue, but I do n't even know if I 've waived that right by being accidentally enrolled in a service I do n't want. It 'd be nice if someone for once in my life would advocate for me. My XXXX lawmakers wo n't do it, my state lawmakers wo n't do it, so who will? I am not earning the same income I once was and I really, really need to know if my credit is affected by this. I have no savings and I really need to know.

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: NC

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.

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:
On XXXX XXXX, XXXX, the credit bureau Equifax announced a massive data breach of their systems, which exposed millions of consumers ' personally identifying information, including social security numbers, DOB,  addresses, etc -- basically every single piece of information an identity thief needs to steal someone 's identity. 

Equifax became aware of this data breach on XXXX XXXX, XXXX but did not announce it until XXXX XXXX, weeks later. 

In the meantime, SEC filings show that three Equifax executives Chief Financial Officer XXXX XXXX XXXX, workforce solutions president XXXX XXXX and U.S. information solutions president XXXX XXXX sold nearly {$2.00} XXXX in shares in the company days after the cyberattack was discovered. 

Equifax has been criminally negligent in protecting the sensitive information of consumers. I am one of the victims of the data breach and now have to spend the next years of my life constantly looking over my shoulder and wondering who has my information. This causes enormous emotional distress, especially because I have already had my identity stolen once. It causes stress, it costs countless hours of effort to fix a problem that is not of my doing. WHY is the onus of correcting mistakes by the credit bureaus on the VICTIM? 

Additionally, the sale of stock by Equifax executives is securities FRAUD. It is criminal. 

Credit bureaus have a disproportionate amount of power over the lives of consumers. Their mistakes can cost us jobs, homes, and the ability to carry out normal activities that require the use of credit. 

It is completely unconscionable that they will face no repercussions for their disgusting, criminal actions. 

Equifax 's only offered solution to the consumer is to sign up for *their* credit monitoring service. That is completely unacceptable. They have proven themselves to be utterly untrustworthy and now they want us to be their *customers*?

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 was paid
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

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: 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:
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.

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 used website to have personal information entered to give a reply if such personal information was compromised. Website that was used for this from Equifax has been reported as fake and may have compromised the information if it was not before.

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

Complaint narrative:
I faxed my police report and identity theft affidavit on XXXX XXXX, XXXX, indicating unauthorized credit inquiries on my credit report. I am aware that the credit bureaus have 4 days to block and remove fraudulent information. They have not complied with the law on removing the fraudulent information and addresses. I contacted CFPB on XXXX/XXXX/XXXX requesting for issue to be resolved. The issue was not resolved. I need my request to be handled and the inquiries and other info listed on report and affidavit to be removed.

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: WA

Complaint narrative:
Equifax data breach may have exposed my credit and personal information to hackers and fraudsters.

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 1 30 day late reporting on my credit reports with all 3 bureaus from KOHLS. 
I have been a perfect on time customer since XX/XX/XXXX and i have a 30 day late showing for XX/XX/XXXX. 
I had spoken to numerous personnel who stated that the late would be removed from all 3 agencies only to find they have not and will not remove it. 
I had spoken to 2 supervisors in XX/XX/XXXX in which they confirmed my late would no longer reflect on my report. On XX/XX/XXXX i spoke to a lady in the executive office who stated she will not remove the late payment mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
My husband has XXXX accounts with Ally Bank. They are IRA 's. He passed away on XXXX/XXXX/XXXX and I contacted Ally Bank for the first time on XXXX/XXXX/XXXX. I was the sole beneficiary of these accounts. I faxed a copy of the death certificate and my drivers license on XXXX/XXXX/XXXX to the IRA department at Ally Bank. The money from his IRA 's were supposed to be put into a new account under my name. I mailed the new account information on XXXX/XXXX/XXXX. I have repeatedly called Ally Bank since XXXX and have been told something different every time. Every time I ask what is going on I am told that I will receive an email in XXXX to XXXX days with the correct form. The email has never arrived. I called today and asked to speak to a supervisor and was put on hold and no one ever picked up. I have asked to speak to a supervisor several times and have been told that the IRA specialists are too busy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
there are several fraud inquiries on my transunion report that were never authorized by me from these creditors, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX and i have disputed these with the creditors numerous times and they all need to be deleted from my credit report asap by transunion

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