vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: MI

Complaint narrative:
This complaint is in regards to the EQUIFAX data breach just announced. This is unacceptable in this day in age and has caused unwarranted and excessive strain/stress on me due to their careless and negligent behaviour and practices. I demand this be investigated and they be held accountable to highest extent of the law for this failure to protect my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # 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 2017-09-08 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:
This has to do with the Equifax breach that has happened. I am filing a complaint after attempting to get information and well anything useful from the company without success. Their poor management and security has resulted in my information being stolen and so far I have been mostly told to call back later or that I can get a year of credit monitoring service if I wave any right to legal action on them which is n't going to happen. This is beyond unacceptable for a number of reasons including the likelihood of a persons information not being sold or used right away so a year is useless for something that is going to be a lifetime problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On my Experian report it states that as of XXXX XXXX, I owe {$440.00} to XXXX XXXX. I have repeatedly disputed this as it does not belong to me. It belongs to my ex-wife as we have been divorced since XXXX. *This account was removed from my report in XXXX and reappeared under another collection agency XXXX XXXX XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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:
On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: VA

Complaint narrative:
On XX/XX/XXXX the credit reporting company Equifax suffered a data breach. This breach disclosed the personally identifiable information ( PII ) of over 149 million people, including names, social security numbers, home addresses, and Driver 's License numbers. Equifax did not reveal this breach had occurred until XX/XX/XXXX. Three Equifax executives, Chief Financial Officer and Corporate VP XXXX XXXX ; President of U.S. Information Solutions XXXX XXXX ; and President of Workforce Solutions XXXX XXXX, sold {$1.00} million in Equifax stock before announcing the data breach. Equifax has offered a year of " Free Credit Monitoring '' on their website, but accepting the monitoring commits one to binding arbitration and waives one 's right to participate in a class action lawsuit. 

On XX/XX/XXXX, through using Equifax 's website www.equifaxsecurity2017.com, I was notified that my data had been compromised. I have filed a police report. Equifax 's response to this  problem so far has been entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax mishandled my information, not keeping it properly secure. This put the information at risk, leaving me exposed to potential identity theft and/or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: MN

Complaint narrative:
Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, a credit reporting and monitoring company who is responsible for handling my personally identifiable information ( PII ), mishandled my PII which allowed for the information to potentially be compromised. They believe the my PII was compromised. The discovery of this issue happened inXX/XX/XXXX, however the estimated 143 million people that were impacted or may have been impacted were not informed. By their own admission, they will not be informing everyone. 

They provide the option, along with the other credit reporting companies, to freeze your credit to protect against others fraudulently using my PII to obtain financial services in my name. Unfortunately, they charge for this service absent of a police report or file through the Federal Trade Commission ( FTC ).  It is completely unacceptable that consumers will have to pay Equifax, the company who mishandled their PII, to freeze their PII so that hackers who obtained their PII due to Equifax 's mishandling of their PII can not use that PII that they would n't have had if Equifax had not mishandled that same PII. This needs to be a free service, or suits need to happen to refund everyone who paid for this service ( including interest ) afterXX/XX/XXXX. Filing a report and going through official channels takes time, and in the time it will take to go through these steps to obtain a free credit freeze, damage may already have been done which will affect future transactions and add to the cost of those for any impacted consumer. 

Their entire business model is holding consumers accountable for their financial decisions. Equifax should be held accountable for their security decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: KS

Complaint narrative:
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX, XXXX and Transunion & sent them supporting documentation. XXXX is still investigating the dispute, Transunion has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the XXXX XXXX XXXX. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

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 2017-09-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with Experian, XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and Experian has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

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 2017-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: FL

Complaint narrative:
I am being billed and rebilled for a Debt at a Hospital that is not mine. It started in XX/XX/XXXX for XXXX plus. I went to XXXX XXXX XXXX XXXX XXXX XXXX and disputed this in person in XX/XX/XXXX and was told to disregard this bill. Now I am getting this reported anew on Credit Agencies as derogatory information in collections As of XX/XX/XXXX now at XXXX. The new Collection letter states this bill was generated on XX/XX/XXXX. I had disputed this at XXXX and it partially went away and now its being reported as a new Collection and is in fact the same from XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax unsafely stored my data and as a result it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax lost consumers ' private information to hackers and my information is also hacked according to them. It happened maybe 3 months ago and now they are reporting it? XXXX. 
If impacted, they should 've automatically put my credit profile on freeze and alert other credit reporting agencies. 

I even had to pay {$10.00} to XXXX to freeze my credit for equifax 's fault 'cause I am a CA resident. Unacceptable!

Company response to consumer: Closed with explanation