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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax states if is likely my personal information was stolen during their recent ( XXXX 2017 ) breached. I have worked so hard all my life ( XXXX years! ) to keep my information private, and to keep my credit score high. All my information is now out there for use against me including my address, my social security number, and my drivers license number. They are offering an apology and identify protection ( faq.trustedpremier.com ) but I am reading in the paper that if you agree to accept their 1 year protection, I am agreeing to arbitrate this mess out and I do not want to cut out my ability to sue them should i choose to go that route. I 'm so angry I could just spit. What do I do?

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:
My personal financial information was compromised as a result of the recent Equifax data breach. 

Equifax 's public response and offer of remediation is wholly insufficient. Given that my SSN was stolen, a number that will stay with me my entire life, a year of free credit monitoring is not enough.

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 leaked my SSN and did n't even send me an email to notify me. I get that security breaches happen but I could have protected myself long before now if they had the decency to notify their customers. Seems to me like they were trying to sweep it under the rug.

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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.

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: OR

Complaint narrative:
Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX card balance is paid in full monthly by autopay. A charge reversal resulted in XXXX showing a credit on my XXXX, XXXX statement. 

The XXXX and XXXX statements charged me interest both months for charges dating back to the timeframe during which XXXX showed a credit. 

They have told me it will take several months of these interest charges to catch back up, despite the autopay feature being for paying the statement balance in full. 

For {$75.00} interest, they lost a {$99.00} annual card payment and the monthly merchant fees on several XXXX dollars in charges.

Company response to consumer: Closed with monetary relief
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 has put me in a position where, for the rest of my life, I will need to subscribe to pay-for services that can monitor my credit from being used inappropriately. The breach of their systems and divulging of my personally identifying data illustrates a patent disregard for the sensitive nature of the information they were collecting from me as a consumer of financial services. Their proposed resolution is one year of credit monitoring using a service of their design, which also uses haphazard security identifiers of its own. Following this, I will be asked to subscribe to their pay-for service as a means of monitoring and repair in the future. 

I am a young adult and the implication here is approximate : {$20.00} per month XXXX 12 months for the next ~60 years or roughly 15 thousand dollars. 

Something has to be done here for all the Americans affected.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a CitiGold checking account back in XX/XX/XXXX using a promotion that would give me XXXX XXXX XXXX miles once Ive made 2 bill payments and {$1000.00} in purchases on my debit card. I completed the requirements and hadnt seen my points post yet. I submitted a secure message around XX/XX/XXXX and the representative confirmed that I completed promotional requirements and that I would receive the I would see the miles post by XX/XX/XXXX.
Unfortunately the miles never posted and citibank reneged on their end of the promotion even though according to the terms that were displayed on opening my account I should have been eligible. I had to pay several months of monthly service fees for a bank account and did not receive the promised promotion.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The Equifax Data breach of 2017. I have been identified that Equifax says my DOB, SSN, drivers license, bank account, and credit card number have been compromised ( nice word for the XXXX XXXX has it ). They offer 12 months free ID Theft services. They stand to make untold fortunes on ID theft services after this time. They should provide free ID Theft services to all those involved for the rest of our lives. Help us please make this right!

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 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I did a withdrawal ( SEPA transaction to bank account ) of XXXX from coinbase.com on XX/XX/XXXXand the system promised that this money would be on my account on the XX/XX/XXXX, but it still has not arrived. I have submitted a support ticket ( Case # XXXX ) onXX/XX/XXXX but have not gotten a reply. My e-mail i used to register in their system is 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
OnXX/XX/XXXX2017 i had requested my credit report from XXXX  and Equifax along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is using the same id # under different companies. The company name Equifax Mortgage Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX tele:XXXX they are sharing the same ID # with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX tele XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX tele XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand

Company response to consumer: Closed with non-monetary relief
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 — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
In XXXX of XXXX I filed a report with CFPB stating that the information on my Ford Motor Credit account was incorrect. Ford resolved the issue saying that no delinquencies should be shown on my account from XXXX through XXXX XXXX. However, in XXXX of XXXX a late payment of 30 days for the month of XXXX of XXXX was posted back to my account with Ford Motor Credit. This is all in case XXXX of mine with the CFPB

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: NY

Complaint narrative:
Within the past week, Equifax has divulged my personal credit information to persons unknown due to lax security, and I 'may ' be affected by this loss of information according to their own services.

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: 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. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have filed for forbearance, and also tried to report that I am XXXX now. I now received a letter from a collection agency without any notice from Navient.

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: NY

Complaint narrative:
Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.

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: IL

Complaint narrative:
On XXXX/XXXX/XXXX, as XXXX of my XXXX XXXX, I went to my local Chase Bank branch in XXXX, to deposit assessment checks. I was told by the teller that one of the checks had a hold placed on it. It turned out that it was my check, from my account at a credit union. I asked why the hold was placed, and the teller said she did n't know why. I went home, and called my credit union, and they said that there was no reason on their end that a hold should be placed on one of my checks. I returned to the bank, and spoke to one of the bankers, who tried to cancel the hold unsuccessfully. I told the banker I wanted to know WHY the hold was placed, and she said there was no way she could find out the reason, that it was the " back office '' who made these decisions. 

My question is : can they do this to me without telling me why? Because the fact is that they are benefiting from having the money from this check from XXXX to XXXX, when the money will be sent to the XXXX XXXX. If they repeat this action enough times, I would guess that they can make quite a profit.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.

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 2017-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.

Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.

Company response to consumer: Closed with explanation