vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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 2017-09-14 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: PA

Complaint narrative:
Hello, I want to freeze my credit with Equifax. I tried to do this over the phone, as I understand that this is the safest route. I received a message saying they ca n't process my request at this time. When I tried to freeze my credit online, I received a similar message. I do not want to send personal information through the mail to the Equifax address for credit freezes, which is this : Equifax Security Freeze XXXX  XXXX XXXX XXXX, Georgia XXXX That just seems like an open invitation to identity thieves

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

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 2017-09-14 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:
Equifax security breach. 100 % wrong and action needs to be taken against actually ALL THREE Credit Bureaus. They have far to much power over consumers by using such lame excuses as " to many inquiries '' to take points off your score. As a consumer, I have the right to shop around for the lowest interest rates as much as I please. I 'm the one having to pay a loan back. 
The second lame excuse they have is when you have a " negative '' on your report and you pay it, it remains on your report for 7 years. That needs to go. 
When is the CFPB going to get some backbone and protect the consumer? Or are you going to remain a powerless Agency at the mercy of big banks and sharks? 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: PA

Complaint narrative:
Starting XX/XX/XXXX from approximately XXXX to XXXX and again on XX/XX/XXXX from XXXX XXXX to XXXX I have been trying to reach Equifax via phone, email and on line to freeze my credit information stored by this company and to receive a credit report. I have been unable to get through. Either I get repeated error messages on line as well as no answer through their on-line chat service. By phone, I have experienced repeated busy signals, repeated automated answering loops, disconnections or messages that Equifax is unable to process my request. Via email I received a case number from the company and another email with two phones numbers. One to their security freeze department that is repeatedly busy and another listed as their personal information solutions department saying they are available between XXXX-XXXX est but when I called the automated message asked that I call during business hours. I placed the call at XXXX XXXX ( est ) on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
they are charging me a debt that we should not we have a year of receiving calls from sunrrise credit sevices # 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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I keep getting e-mails from Experian wanting me to sign up for 30 days free credit monitoring due to XXXX XXXX XXXX. After 30 Days they want you to pay $ XXXX/month. 

They indicate that they will do a one time Dark WEB scan and report if there are issues involving my information. What do you think the results will be, if they scare even a small percentage of 150 million people into buying their service they will make millions because another credit rating agency XXXX XXXX. 

It seems to me they are taking advantage of a bad situation and scaring people into buying their service, this does not seem right 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 2017-09-14 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: MA

Complaint narrative:
I have attempted on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX to try to put a freeze on my credit report with Equifax following their data breach, and whenever I go through their online application I get a message upon completion that there is a system error # 500 and that I should try again later. I have implemented freezes with XXXX and XXXX with no problem, but Equifax is none responsive. I 've also tried their call center, but their emergency call center simply has referred me to another center where I am put on endless hold. 

Particularly in light of their data breach there should be some vehicle for implementing freezes on Equifax accounts, or simply a requirement that Equifax be prohibited from providing credit reports until their systems for implementing freezes are available to all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: GA

Complaint narrative:
Have tried for 3 days in a row ( XX/XX/XXXX thru XX/XX/XXXX ) to access either web site or a customer service person for Equifax to put freeze on credit account. Equifax website continually gives " error '' message and phone calls are never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After the massive Equifax data breach was announced in XXXX 2017, my family checked to see if our identities were compromised. My wife, my XXXX old daughter, and I were designated as " potentially compromised. '' My wife and I could sign up for their identity theft monitoring, but their online system would not allow a minor to sign up. When I called their special Security Breach 2017 hotline, the representative just kept repeating that Equifax " generally does n't '' have  information on minors. She could not explain why my daughter 's SSN would be in their system. She said that I would need to call Equifax directly, but she did not even have the number to call. 

Trying to contact Equifax directly has been futile. They have deliberately obfuscated any direct way of contacting them. So far, I can not even determine a simple question -- does the SSN associated with my baby have any credit history or other association with Equifax? According to one rep, the answer should be " no, '' but she can not confirm it. 

So far, the only way I think I may get any answers is sending copies of important, sensitive documents ( my and my daughter 's SS cards, birth certificates, etc ) directly to Equifax. Since they could not protect the data of 143 million people, I really do n't want to add my daughter 's information to their company if it does not already exist. 

These credit reporting companies take our personal information and sell it as a commodity. They will give MY information to some random credit card company who wants to send me an offer, but I have to jump through hoops just to find out if my daughter 's identity is even actually compromised. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my 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 explanation
Consumer complaint received 2017-09-14 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: CO

Complaint narrative:
When the equifax security breach was made public, I logged into their website and requested the credit protection they were offering, not knowing that I was giving up my rights to take legal action. When I signed in, it indicated that I was at risk. I would like to rescind my agreement to the credit protection so that I have the right to take action if necessary.The Equifax website makes it almost impossible to submit a request such as this. With all of the inquiries to Equifax, their wait times are horrible. I have since frozen my credit reports for all 3 agencies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

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 2017-09-14 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: IA

Complaint narrative:
Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a result of the Experian blatant ignorance and allowing my personal information to get hacked, I had to lock mine and my wife 's credit reports on all 3 major reporting for the first time ever. I do n't understand why, even though they caused this, Experian is the only company of the 3 that charged me to do it. This is rediculious! The worst part is the obscene amount of money they stand to make from peoples panicking and trying to protect their identity. They need to be punitively dealt with.

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 2017-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In a federal disaster relief area and asked if mortgage can be deferred and added to end of loan. They say only special forbearance and all has to be paid at end of 90 days. What help is that?!

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