vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX Sallie Mae accepted a forbearance payment of {$37.00}. 
" XXXX Paid XX/XX/XXXX XXXX Borrower '' This is the forbearance notice. No where did it indicate that a payment becoming due had to be paid, as Sallie Mae allows payments up to a week later with no penalty. It is misleading to not include information that the very first payment due under the loan was NOT part of the forbearance. Obviously, the request for forbearance was filed long before the payment was due. 


XX/XX/XXXX Dear XXXX XXXX : We 're pleased to let you know that the request for forbearance on your education loan listed above has been approved. We understand that circumstances can change, so we 're happy we were able to offer an alternative solution that allows you to temporarily postpone your payments. 

Your forbearance period is XX/XX/XXXX through XX/XX/XXXX. 
Forbearance requires a payment of {$50.00} per loan, not to exceed a total of {$150.00} per forbearance request. If you 're postponing payments for more than one loan, the total payment will be divided equally across your loans and applied to the Current Balance of each loan. 

The documents supporting the above data is available if it can not be attached to this complaint. It is also unfair for Sallie Mae to not release to the co-signer the details of the forbearance and how it would affect the first payment due under the loan subsequent to the student ( my XXXX ) graduating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
The debt was paid to the original creditor. I called and spoke with the collection agency and they agreed to remove the debt. I sent them the attached receipt. The collection then showed up on my credit report as " unpaid ''.

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 2017-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.

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 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX continued to call my place of employment and leave messages even after asked not to by myself and management. Cease and desist letter was sent they still did n't cease. They were threaten legal action and giving attorney name and company as " office of D Scott carruthers '' his license was suspended for practing law XX/XX/XXXX for 60 days and placed on a 2 year probation period. FDCPA laws were broken as well as state bar of California laws while calling me in repeatedly on the day of XX/XX/XXXX andXX/XX/XXXX. They have told my boss they were going to file a lawsuit against me. Disclosing personal information on several occasions as well as send me a fake documents saying they filed a lawsuit with actual court filing forms.. I call the court house to try and see when my court day was and they told me that the case number does n't exist and that I have no upcoming court dates or filings against me. So I 'm confused they are using illegal scare tactics with the attorneys name during a period he is suppose to be suspended with the state bar of California

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: OH

Complaint narrative:
Equifax exposed my personal data. 
Equifax offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that Equifax should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and XXXX should not collect a windfall profit from the mistakes of Equifax due to the reaction of responsible citizens trying to protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: NM

Complaint narrative:
Equifax failed to protect my credit information and is not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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:
Hackers stole sensitive financial data and my social security number from Equifax and company failed to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: NM

Complaint narrative:
Equifax - My personal information has been breached due to incompetent security practices at Equifax. Equifax has offered temporary credit monitoring but that is not enough. 

Equifax, and other monitoring services, hold my life in their hands - and make money at my expense. They have virtually NO accountability but carry a large responsibility. 

If something incorrect is on my report - it 's up to me to PROVE it 's not mine. This is not fair to say the least - and to then allow a breach of my personal information and not offer to protect my credit is beyond irresponsible, it 's criminal. 

My information has been leaked. I can not take it back, ever. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I took out a loan for {$7700.00} with XXXX XXXX, I then received a refund from the school of {$3600.00} from XXXX XXXX - that was in XXXX. 

My balance should have been {$4100.00}. I have made payments of at least {$6100.00}, and my balance is still showing {$3600.00}. That means I 've only paid down the principal of {$470.00}. This is unethical business practices on the part of Navient. And I need help. 

I have more than paid for this loan and I am going through some tough times. I truly need this loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: AFNI INC.
State: KY

Complaint narrative:
This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: LA

Complaint narrative:
I reached out to the company via phone on XXXX/2017 attempting to get an explanation of the security breach. After waiting a total o 1 hour and 17 minutes, the non English speaking ( XXXX ) agent refused to answer my questions regarding the breach and hung up on me. 

I called back and waited another hour and when I got someone on the line asked to speak with someone who is in the United States, I waited again for 46 minutes and finally got XXXX on the phone who gave me scripted information about a protection plan through the same company that was breached. After explaining the terms I disagreed with the arbitration agreement. He said that there was nothing I could do and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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 have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.

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 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MB FINANCIAL, INC.

Complaint narrative:
An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
on X/XX/2017 -- -Syncb/XXXX XXXX , Fl XXXX XXXX XXXX XXXX -- -ran two hard inquiries without my authorization I have tried to call this bank tried to file a complaint to no avail?? Please Help!!!!

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 2017-09-22 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: OH

Complaint narrative:
XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
Transunion and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that Transunion and XXXX should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their 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 explanation
Consumer complaint received 2017-09-22 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: OH

Complaint narrative:
XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and Experian want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and Experian should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their 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 explanation
Consumer complaint received 2017-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. 

Final warning.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment

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 2017-09-22 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 take basic precautions to safeguard my personal information. As a result I have to freeze my credit at all known credit reporting agencies and with check vendors out of an abundance of caution given that my personal information was compromised in the security breach. Their cavalier attitude towards network security and safeguarding private information seems criminality negligent and their response has been devastatingly, bordering on comically, insufficient. Pointing people to a phishing site for more information on the security breach? Really?!??!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WA

Complaint narrative:
I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both XXXX and Bank Of America. I am a XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of a XXXX that I intend to file if XXXX does n't remove the negative/inaccurate mark from Bank Of America. 

Final warning.

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