vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 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 had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CA

Complaint narrative:
I 'm dealing with fault out from the Equifax breach. I 'm doing the steps suggested to protect my finances and identity. One of those steps suggests that you freeze your credit reports. Seeing as Equifax is the sole reason I am freezing my reports, they should be held responsible for those fees. Especially considering in order to pay for a freeze, I would have to give them a credit card number which they have n't proven to be responsible with.
I also do not want to sign up for their credit monitoring service ( specifically for the breach ) because there have been reports that that is not actually free and you sign away your rights to legal suits down the road.
I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Total Card, Inc.
State: OR

Complaint narrative:
I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer. 
He told me that the " Firm '' that is handling my case is XXXX case # XXXX. 
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''. 
I told the gentleman that I bid him good tiding and good day and was ending the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 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 2017-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

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 2017-09-11 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:
Last week, XXXX XXXX, I found out about the hacking of Equifax. There was a site given to check and see if my information was included. I went to that site and it said my information was most likely included. 
What I find most egregious is that it took a month for Equifax to share this information ; that there was a stock selling 3 days ( I think ) before the release of this information and that they are offering free credit protection service but in fine print on the agreement page there is a caveat listed that states the signer/client will not be allowed to sue Equifax in case of identity theft. The selling of the stock appears to be very fishy. Now what are we supposed to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: GA

Complaint narrative:
XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as soon as possible. 

Sincerely, XXXX 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 2017-09-11 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:
Equifax data breach resulted in loss of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TX

Complaint narrative:
Sent certified letters to TransUnion XXXX regarding validation of debts received and signed for on XXXX/XXXX/XXXX @ XXXX as well as another certified letter on XXXX/XXXX/XXXX @ XXXX. Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion. Consumer contacted Recorder of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).

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 2017-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!

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 2017-09-11 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:
My records seem to be impacted by the latest XXXX breach. I would like someone to address the possibility of identity theft and possible impact on credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information. 

I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit. 

Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: IL

Complaint narrative:
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/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 2017-09-11 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: IL

Complaint narrative:
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60  days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/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 2017-09-11 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:
I 'm concerned that my social security number was exposed to the world at large by Equifax and their lax security measures, and it has been reported that Equifax is issuing seemingly random responses to those potentially impacted by the security breach. I do not have confidence that if I contact Equifax to inquire as to whether my information was leaked, I 'll get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: NY

Complaint narrative:
unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX 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 2017-09-11 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I purchased several XXXX prepaid XXXX gift cards from XXXX 's XXXX. Later that day I discovered I lost a card. I called the card customer service number ( XXXX XXXX ). At that time the representative issued a case number and asked me to send copies of the receipt and my driver 's license. I sent the requested information that day. The representative told me they would cancel the lost card and send me a replacement card. 

On XX/XX/XXXX, I discovered that I had the lost card that I originally reported as lost, but I had actually lost a different card. Again, I called customer service. They issued another case number and requested I send them a copy of the receipt and my driver 's license. I did that. 

I have called several times since I reported the lost cards, since I have not received them. Their customer service personnel have been unable to cancel the cards that were mailed to me or mail replacement cards. 

Each card had {$500.00} loaded to them. Again, there are two cards at issue. 

The case numbers : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: American Payment Holdco, Inc.
State: KY

Complaint narrative:
I used Check Free Pay to make a mortgage payment but the mortgage servicer never received it. Check Free Pay claims they sent it but XXXX XXXX says they have n't received it. 

Date Money Sent : XXXX/XXXX/17 Amount : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
CapitalOne charged me an annual fee in XXXX on a card I no longer used. When speaking the Customer Service they stated they would waive the fee. When I explained I no longer used the card and would like it canceled the Customer Service member explained she can waive all fees so that I can keep the account. 

I was notified XXXX XXXX, XXXX that I has an overdue balance on my CapitalOne account. When I called I was told it was the annual fee and two late fees for not paying the balance. When I explained I do n't use the account and that I have n't even activated the credit card for that account and that I was told in XXXX that I would not be charged for this account as I did n't use it. They said sorry for the miscommunication but that they are going to charge me the annual fee again, and two late fees and report on my credit report the late payments. 

I explained I did not want the card, I did not activate the card so how can I be charge for a product that I did not use or activate. They stated there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, 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