vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 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: WA

Complaint narrative:
I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk.
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet.
I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

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 2017-09-13 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: WA

Complaint narrative:
I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

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 2017-09-13 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:
It is unbelievable that Equifax waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. Equifax 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions Equifax offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: OH

Complaint narrative:
Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
OnXX/XX/XXXX, my student loan account with Navient was open for repayment ( date stamp was included in the loan details on my online account ), and I enrolled in AutoPay in the amount of {$210.00}. 

OnXX/XX/XXXX, I logged onto my account. The date stamp onXX/XX/XXXX stating that my account was open for repayment was gone and I had been placed on administrative forbearance. I did not request a forbearance. The remark " payment deferred '' was added to my credit report, and has been flagged as item that lowers my score. Again, I never requested forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

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 2017-09-13 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: PA

Complaint narrative:
I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

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 2017-09-13 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: CA

Complaint narrative:
I have been attempting to freeze my credit with Equifax has been nothing but a nightmare. 

I attempted to use their online system yesterday ( XX/XX/XXXX ) and received a " System Error - try again later '' message each time. I tried to use the online system again today ( XX/XX/XXXX) and received a slightly different, yet equally vexing message : " We are currently unable to service your request. Please try again later. '' I called the phone number listed on the FTC website ( XXXX ) and got a busy signal. 

I called the phone number listed as their automated service line ( XXXX ), for which credit freeze is listed as an available service. However, after pressing the required numbers on the keypad, listing my state, etc. I was told by the robotic man that a credit freeze service was not available at this time and to try again later. 

I went to their chat help at XXXX onXX/XX/XXXX and the page read " Chat unavailable - Check back weekdays XXXX ET '' ( So I was visiting during their listed hours, yet chat was not available. ) None of the credit freeze request methods listed by Equifax are actually viable. It is absolutely unacceptable and ludicrous that the agency who lost sensitive consumer data is also the agency through which it is, apparently, impossible to actually freeze one 's credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
I previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!

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 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: MI

Complaint narrative:
THEY ARE CALLING ME EVERY DAY WITH DIFFERENT ROBO CALL # 'S SAYING SHE IS XXXX. THEN SAYING THAT WE NED TO SPEAK WITH YOU IN REGARDS TO YOU WHEREABOUTS. IF WE CAN NOT VERIFY THIS INFORMATION THROUGH YOU THE LAW ALLOWS US TO CONTACT ALL REFERENCES ON FILE. CALL THIS # XXXX CALLED ON XXXX/17 WITH THIS # XXXX, SAME INFO SAME NAME LEFT XXXX, THEY HAVE ALSO CONTACTED MY EX HUSBAND AND LEFT THE SAME MESSAGES. 

I NEED TO KNOW WHAT I CAN DO TO HAVE THE STOP CALLING THEY ARE A SCAM. I GET A FEW OTHERS LIKE THIS TOO, WHICH I AM GOING TO GO BACK A FILE LIKE THIS ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The bank is Synchrony Bank, the store credit card with XXXX store. I have been unable to enroll in auto payments because I can not create an online account. I have the account number and tried to register but it would not accept my account number and registration materials. I have tried calling but to fix this but I kept getting " we are unable to complete your call at this time. '' As a temporary fix I was calling the number at the bottom of my statement to pay. However, I forgot once and not the monthly payment has gone up from 25 a month to like 150 with no written reason why that I have received. I have tried calling at the number, and again I get no response.All of this could have been avoided if they would have just let me enroll in auto pay - and register for an account online. I opened the account in XXXX I believe - but again, I have no records because I can not register the account online - and they will not answer the phone to try to fix this.

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 2017-09-13 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: SC

Complaint narrative:
Equifax was completely negligent with the data it holds on me including my SSN, full name, and address. This data was retrieved easily by hackers. Several C level executives of Equifax sold their shares long before this breach was made public. This goes to show that the breach was known about, but hidden so they could maintain millions in profits. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Payments Check Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX 2017, I authorized an electronic bank transfer from XXXX XXXX XXXX XXXX for {$300.00}. XXXX 's charged me {$4.00} for the service and they gave me {$300.00}. So, {$300.00} was taken out of my checking account. Later, I discovered on my bank statement another {$300.00} ( exactly, no service charge ) from the adjacent casino, XXXX, referencing the same bank transfer number from XXXX 's ( XXXX ). I did not request this transfer, nor did I receive {$300.00} from XXXX. I disputed the charge from my bank, and the XXXX XXXX XXXX investigation determined that it was in error or an intentional criminal act. XXXX XXXX XXXX credited my account for {$300.00} and sent me a letter memorializing the results of their investigation. Since then, however, I have gotten over a dozen phone calls and two letters from a debt collection company calling themselves Global Payments Check Services out of XXXX IL, XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX. They are demanding I pay them {$320.00} or they will ruin my credit and threaten my SS number. I told them on the phone and wrote a letter explaining that I did not authorize nor receive any money from XXXX XXXX and to stop harassing me. They have never stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: MD

Complaint narrative:
It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX XXXX lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal 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