vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 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 got hacked and will not tell the American people who is hacked. They are not telling the American people who are affected. The PIN given has weak security as it is the date the request was made for the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am asking that the 30 day late negative placed on my credit report by Toyota Financial Services be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website XXXX more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using Toyota financial services, I am extremely disappointed to be writing this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: CA

Complaint narrative:
In correspondence dated XXXX XXXX, XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XXXX XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA XXXX. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!

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 2017-09-12 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Non compliance with FCRA and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.

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 2017-09-12 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: OR

Complaint narrative:
Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.

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 2017-09-12 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 has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
Because of the Equifax data breach, my credit report information was compromised. Ive gone to great lengths to put security issues on my credit file, so if a credit application is filed, I am to be contacted to verify its for real, by calling my number. Now, since my information was taken, its back out on the market to anyone who can use it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: TN

Complaint narrative:
I went to the university of XXXX from XXXX. I received private student loans from the AK XXXX XXXX XXXX XXXX. Years later, I ran into hard times and filed bankruptcy in XXXX. I had never made a payment on these loans because when the payment became due, it was way too much for me to pay. They were included in my bankruptcy as well anyway. I 've disputed these loans all year XXXX XXXX ) and have disputed them in the past to no avail. TN law states they have to be removed after 7 years anyway. They wo n't remove them. They lie and say I was late on payments in XXXX when I 've never made a payment. They even lied and are acting like they were n't included in my bankruptcy. Either way, please help me clear up their negative reporting that they keep doing month after month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NE

Complaint narrative:
XXXX XXXX, XXXX Unable to go online and put a security freeze on my personal account! 

This is very frustrating that Equifax has my credit info stolen and I am unable to protect myself by going online and placing a freeze on my account. As has been recommended. 

Thanks so much for your continuing help and support! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.

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 2017-09-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.

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 2017-09-12 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 mishandled my information putting my family and me, and millions of others at mental, physical, and financial risk. I am extremely disappointed with how Equifax has handled reporting this breach. Little if any effort appears to have been made by Equifax to notify the public. It has been nearly a month since the breach and Equifax made no effort to contact me by email, letter, phone, TV, or radio. I found out about this alarming situation first from XXXX. 
Going forward Equifax should be required to monitor every account at no cost to the victims, and to notify victims free of charge and immediately if any fraud occurs. Credit fraud protection should be mandatory and free for every account. 
This should be made right by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd and a waste of local funds and resources when Equifax clearly has records of all those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I contacted Barclays on XX/XX/2017 ( payment due date ), immediately after I got out of work. I tried to make a payment earlier this day online but I had to add a new bank account and was n't able to do it on the mobile app. I was able to add the new bank account online however when I tried to submit the payment I was not able to online because it said it was after XXXX. I called Barclays at XXXX XXXX. XXXX mins after getting out of work. I was greeted by a rude agent. I told him the problems I was having online while trying to submit the payment he was not helpful at all. I felt like I had to drill answers out him whenever I asked questions. I asked if there would be a late fee and he advised me since its after XXXX there would be. I asked if they could waive it as I am literally 17 mins late. He told me because I had been late before they could not. I 'm looking at my payment history and do n't see where I have been late and of course since he was not helpful at all he did not advise when they had previously waived a late payment. Horrible customer service in my opinion and I work in customer service.

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 2017-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
After 7 years of being a widow I never had any experience about dating I joined the online dating, I met someone his name was XXXX XXXX ( fake or fictitious name ) as he described himself a a XXXX XXXX working in XXXX ( his website ), a contractor who works for many year in XXXX doing the XXXX XXXX XXXX. He described himself as single with a XXXX year old daughter whose resident in XXXX and temporarily lives in XXXX XXXX where he said his office located. 

Fast forward, everything was going smoothly between us a 24/7 communication from texting, calling, emails, was just amazing and incredible, until one day he asked my assistance he told me that he was working in XXXX for few years with the constructions  business and finally the XXXX government emailed him that the payment was ready to issue to him from the XXXX government. He said that it is very safe to send his payment to my account in the US but he needed my assistance to pay to his certificate of issuance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for the Clearance of the amount or payment to him. 

As we go along the situation and communication I agreed to do it for him as he promised me that when he come to the US, everything is going to fine in our lives together and will pay me back, so, at the same time he said there are people in the authority to help him in XXXX to start processing the certificates. 

He first requested me to send him money through Money Gram in  XXXX so it would be easy for him to receive it so I did. He told me what to say and do as I never had any experience wiring money to XXXX. The FIRST NAME was XXXX XXXX AMOUNT WAS {$2500.00}, Reference Number # XXXX XX/XX/XXXX. The SECOND NAME was XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. The THIRD name was the same XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. 

They have received all the money. after few months of correspondence I finally found out it was ALL SCAMMED AND FRAUD! I WAS DEVASTATED.! ..I reported this scammed to the Police and FBI. I had all the evidence provided when I went to the FBI office. I had all my savings money taken, I was heartbroken, had so many bills to pay and had to find another job to make my ends meet ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: PA

Complaint narrative:
With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.

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 2017-09-12 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: MO

Complaint narrative:
My financial information was stolen during the Equifax breach of XXXX XXXX. I visited their website, but according to third party reports, their credit monitoring will start charging after 1 year if I use their service to monitor a problem that they caused through their lax security.

Company response to consumer: Closed with explanation