vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.

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 2017-09-13 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: MD

Complaint narrative:
Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, 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 what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. 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 2017-09-13 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. 

Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.

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 2017-09-13 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:
I understand my personal information is possibly exposed because of a credit agency having poor security measures. Now I understand I am to pay to have a freeze on my card, I do not believe nor feel it is right that I pay for it because I never once handed over my information to them and they are the ones who had my information compromised.

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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was opened on XXXX/XXXX/XXXX under a promotional offer of " Open a new checking account with direct deposit, receive a {$200.00} bonus withing 60 days ''. 

The direct deposit was posted to the account on XXXX/XXXX/XXXX. I 've contacted the bank on several occasions via online messaging. First advised I did qualify for the promotional offer and it would be credited. Well after sixty days had passed, I contacted BBVA again via online messaging, and advised I would need to call customer service.
Upon calling customer service, I was advised " yes '' the offer should have credited to my account and it was their mistake it had n't. They now inform me that I must present to the bank in order for the their mistake to be corrected. I fail to understand why my presence is required to correct a promotional offer -bank mistake. I stop by a branch, and was advised to call customer service.
Below is the fine print of the BBVA Compass {$200.00} XXXX Checking Offer. 
You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.
The account must be opened at one of the participating branches above or via XXXX, Option 2, with the account housed at a participating branch.
There is a maximum of one ( 1 ) bonus per household.
Promotion is not available for accounts opened online.
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. 
Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. 
I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.

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: TX

Complaint narrative:
XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wish I knew what has happened. I was recently denied a loan due to excessive inquiries ( my score is around XXXX XXXX. I did just recently purchase a new vehicle and knew I would have a couple of inquiries but I was told by the loan XXXX that I have over XXXX hard hits in my credit. I called the car dealer and he assured me I only was sent out to XXXX banks. I am getting letters in the mail about loans that I have n't even applied for. When I tried to pull my credit report to review these items so I could dispute them, I ca n't pull my report. After checking into this, I am evidentially XXXX of the XXXX XXXX affected by the recent information hack at equifax. So I ca n't even check my own credit to dispute the illegitimate inquiries. I do n't know if my personal information has been compromised or if a dishonest dealer hammered my credit. But they should have told me. I would like to see these items removed because the high number is impacting my score by around XXXX points, and as a business owner this is critics. Thank you.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On my XXXX Credit Report, Experian Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX Credit Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

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 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I attempted to use my American Express card to purchase tickets to a show at a website which I had not used before named XXXX. I was unfamiliar with the website and attempting to put together a trip. I did not realize that what I was purchasing was so expensive and that it included trip insurance, and a few other add-ons. This occurred on XX/XX/XXXX. Suddenly, I realized that the total purchase price was {$940.00}. At about the same time, my potential transportation fell through and I decided to cancel the trip for good. When I received no response from the email XXXXXXXXXXXX, I attempted to contact the trip insurance ( which I had not realized that I was purchasing ) email address about cancelling the trip -- - All on this same date of XX/XX/XXXX I phoned American Express and indicated my predicament and mentioned that I wanted to cancel immediately. At first, American Express told me I could do nothing until the purchase was actually charged, then when it was charged, I was advised to file complaints, which XXXX  refused to resolve. I never received an answer from the vendor, or so-called 'trip insurance '. I attempted to cancel with every party within an hour or two after the purchase. Have never had bad experience with other credit card companies, and clearly the XXXX folks were not willing to negotiate this with me. I have sent them appeals through out the year ; In the year XXXX, the purchases on my XXXX card totalled about {$20000.00}. I have enjoyed 40 years of paying the XXXX bill promptly and there has never been this kind of dispute previously with XXXX representatives refusing to ameliorate. -- It really appears that XXXX was deceitful and tried to trick me to be responsible for a charge for which I did not benefit.

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: GA

Complaint narrative:
Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NM

Complaint narrative:
On Friday XX/XX/XXXX I made a purchase online for XXXX and since it was at wrong location they were supposed to refund the money. Because that did n't happen in enough time on Tuesday Morning I was overdrawn by {$6.00}. and some change. I immediately went down and deposited XXXX to cover the overage as the items had not been officially posted yet. 
That brought me into the positive {$13.00}. At that point all of my pending transactions were accounted for in the available balance. ( I have receipt as verification ) Later that day an overdraft fee for XXXX was added to my pending transactions despite the fact that i had enough for all pending transactions to post without overdrafting me. 

This overdraft fee brought me into a balance of negative XXXX. The bank then proceeded to post all the transactions i had made on the XXXX which would have been fine but they posted the over draft fee as the first item, and re ordered my transactions to cause me a futher overdraft.and then they charged me for two more fees.
I tried calling branch manager but she was rude and insisted it wasnt bank 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 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:
Equifax had their computer network systems hack. Now the most sensitive of ID data, including yours, is in the hands of criminals. Equifax was/is responsible for protecting that data. They should be held accountable for fixing the breach of their systems. I 'm afraid for the future of my family because my SS #, and my wife 's, and Children 's has been compromised. I need a permanent solution, not a 6 month monitoring joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
requesting paperwork loan validation XX/XX/XXXX to XX/XX/XXXX ( total amount for XXXX ).

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: Getting a line of credit — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
XX/XX/XXXX contacted PHH requesting pre-approval in the amount of {$270000.00}. The XXXX requested our credit scores, I gave them to him and he said we would qualify for the loan at 4.125 %. We called XX/XX/XXXX to proceed with the loan. The XXXX said my husband 's school loans were $ XXXX and even though he 's not paying them now ( they are deferred ) we have to estimate a payment of {$1800.00}. We challenged this but he said that 's how they calculate it. We asked for alternatives. He thought for a minute and replied that I, the wife, could do the loan by myself. We asked him to work up some numbers. The XXXX was sent to us on XX/XX/XXXX but showed a 4.58 % interest rate. We were willing to accept because he said it 's because of our credit scores. Over the weekend I gathered my proof of assets - 401k, investment accounts and had them to him by Monday morning. He called Monday, XX/XX/XXXX saying, I 'm sorry about this but it 's been flagged as a predatory lending situation. To get us out of this, you will need to pay XXXX in points. We kept asking what this meant to the bottom line and what we had to come to closing with. He was vague. Eventually, we realized we would need an additional {$4300.00} to close. After stewing this over for a couple of days, I contacted them on XX/XX/XXXX at XXXX and told them we would not use them as a lender since it seems they are being discriminatory in their practices and have some predatory lending concerns.

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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2017 I have tried both online and over the phone to freeze my credit records ( for days ).  In both cases with XXXX and TransUnion the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX  over the phone, however, their was a {$10.00} charge.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them and they do nothing regardless of fraud. Equifax needs to remove anything negative from my account as I have flawless payment history and I should have flawless credit. Unfortunately due to their inept employees and outdated Infrastructure, nothing has been done.

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 — Account status incorrect
Company: Lending Club Corp
State: NJ

Complaint narrative:
Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.

Company response to consumer: Closed with explanation