vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had a judgement against me from XXXX XXXX XXXX, on behalf of XXXX XXXX, who purchased an old debt and took me to court for it. I filed for chapter XXXX bankruptcy and was granted a discharge in XXXX, XXXX. I put my house up for sale in XXXX and found a buyer. during the title search, it was discovered that the judgement remained in place for XXXX and needed to be cleared. I contacted XXXX XXXX XXXX and was told they no longer had the debt and gave me a number to call. I found out that Resurgent Capital Services now serviced this debt and I contacted them to make a payoff arrangement to clear the lien. I spoke to XXXX, who said they would accept a payoff amount of XXXX i agreed and asked that they fax the payoff letter and wiring instructions to XXXX XXXX XXXX Who was the attorney handling the closing. They said it would be 24-48 hours for the letter to be faxed. two days later, I had to call again because he had not received it. I spoke to XXXX XXXX and she said they were behind but would send it asap. XXXX XXXX received it shortly after, but it was n't sufficient, so he faxed them back a request for proof of assignment and wiring instructions. see attached. I called again and spoke to XXXX XXXX and was advised his fax was received and was being reviewed by a manager. I asked her to contact XXXX XXXX as soon as the information was reviewed. He received nothing. I gave permission for him to be given any information so that he could call, but he was not able to get through to anyone. because of the delay, the closing went through but a large portion of my proceeds were held in escrow until this can be settled. I called again last week and spoke to XXXX XXXX yet again, was told that they would not be able to provide the requested proof in writing and when I argued the point, the call was disconnected. I have still received no response from them, either from the bankruptcy department, the compliance officer or customer service, whom I have sent emails to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX. 

I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check. 

After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''. 

The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new. 

I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks. 

I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 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 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 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 2017-09-10 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: MO

Complaint narrative:
On XXXX/XXXX/XXXX I went to add a security freeze to my wife 's account and my account and they are wanting to charge {$5.00} to do this. By placing a security freeze on your credit report for Equifax and their breach is only adding insult to injury. They are looking to make millions by ALSO charging everyone affected to place a {$5.00} charge to do this. So if you have XXXX XXXX people times the {$5.00} charge, you are looking at them making an additional {$710.00} XXXX dollars to place the freeze on your account. That is bull. They should be allowing everyone affected to place a freeze on their accounts free of charge, as well as enrolling in the protection they are offering everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
Equifax announced in early XXXX that the personal information of millions of American consumers were leaked due to a cybersecurity incident, and I am one of the affected. The incident involved a flaw in XXXX 's " XXXX '' software which Equifax used as the foundation to their web application. By way of analogy, Equifax 's web application software is like a brick-and-mortar bank with consumer data in its vault. A flaw in XXXX is like a bank mistakenly leaving a window open, allowing a burglar to access the interior of the bank. Cyber criminals used this flaw to access the vault. As XXXX XXXX XXXX XXXX XXXX  Vice President ) said : " It is good software engineering practice to have individually secured layers behind a public-facing presentation layer such as the XXXX XXXX framework. A breach into the presentation layer should never empower access to significant or even all back-end information resources. '' In other words, the vault should be locked so burglars gaining access to the building can not enter the vault. Equifax perhaps could not have known or be held responsible about a flaw in XXXX, but their negligence allowed this flaw to result in the leak of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX. On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX  has removed those items, including these two accounts. So i dont know why XXXX XXXX is still listed on my XXXX and XXXX The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 data breach. Millions of American 's personal information was compromised, and I 'm one of them. In addition to Eqifax 's security measures being not-good-enough, they waited FAR too long to notify consumers, which prevented us from taking timely-enough steps to protect our own credit. 

Add in the facts that top Equifax executives dumped a lot of stock in the company before making this news public, and that the resolution steps Equifax is currently offering their effective consumers require those effective consumers to agree to NOT participate in any class-action lawsuit in order to use Equifax 's provided resolution steps, and the whole thing is unacceptable to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: LA

Complaint narrative:
Equifax compromised my information, and the information of millions of Americans and then failed to disclose their security breach, but did n't failt to disclose it to their share holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: DE

Complaint narrative:
Equifax-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 2017-09-10 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: AZ

Complaint narrative:
In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I originally had a student loan which has been sold several times since I consolidated in XXXX. XXXX XXXX sold my loan to Navient. I have automatic withdrawal of my student loans and have never been late or missed a payment. I was checking on my account which I took out with graduated payments expecting it to be paid off in XXXX. To my surprise my pay off date is now XXXX, another 5 year of payments to my loan which were not authorized. My interest rates remained the same but how did they add 5 years to my loan without my knowledge??? Then my son who also attended XXXX XXXX university for his XXXX degree and took out a consolidation loan for 10 years, noticed his payments were less and found the same issue. He was extended to 20 years without his knowledge or consent. He was annoyed and paid off his student loan within a couple of months not wanting 10 more years of interest at over 7 %. My interest rate is acceptable, but how do they get away with adding 5 years of interest without consent. I had trouble keeping track of the loans. I have another for my daughter which went to XXXX which will be paid off soon. I am XXXX years old, 5 years longer is outrageous!! No response to emails requesting how this happened. Can not tell from current documents when change occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello - I entered into a special program with Bank of America concerning XXXX XXXX cards to pay off my balance. They reduced the monthly amount I had to pay and I was required to set up automatic payments but I was never told that they would report the balance as 150 days late which ruined my credit rating with all three agencies. 
At the same time, I engaged a credit counseling company, XXXX, which helped me arrange payment plans with XXXX and XXXX XXXX. Neither of these companies reported the balance 150 days late as I was fulfilling my payment plan. The only reason I did n't also include my Bank of America cards is that I thought they were treating me the same since I was paying off my balance in good faith. I was shocked to see that they would ruin my credit ratings. 
Can you help me? 
Thanks 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 2017-09-10 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:
From XXXX through the end of XXXX XXXX, Equifax 's computer systems were compromised by hackers, who were able to access the most sensitive personal financial data from 143 million Americans, over 58 % of the adult population. While at this point, the impact is unclear, potential financial hacking with incalculable damage to is possible against any and all 143 million individuals for years to come. 

I am deeply concerned about this, and am contacting the CFPB to ask for official hearings and regulations be set up to impartially investigate the breach, force Equifax executives to account for their negligence before, during and after the breach, and most importantly, to set up much stricter laws for future data security for all Credit Reporting companies. This data is the equivalent of our personal health information, yet why is there no equivalent of HIPAA? It is unconscionable at this point in history that such lax oversight and unaccountability is allowed for Equifax and other such agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IA

Complaint narrative:
ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CA

Complaint narrative:
I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. 

I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call please.

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