vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 

I tried to upload pdf of police report but was unable to file being over 10mb. I have uploaded page 3 of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 security breach resulting in unauthorized release of private consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
Experian took all my privacy act information and credit card information online before informing me that they could not process my request for a credit freeze. 
Tried to call but no option to reach a human being. Tried the automated option over phone and once again entered my credit card information only to be told again they could not process my request.

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 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.

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 2017-09-15 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 believes my data to have been compromised in the recent hack. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: NY

Complaint narrative:
Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
visited TransUnion website on XX/XX/XXXX to put a freeze on my credit checks. Website asked for my personal information including a credit card. I checked the boxes indicating that I wished to freeze my credit checking for both TransUnion and XXXX. Never was there a quoted price for doing this ; however I then received an email stating that I had made a payment for {$19.00} to TransUnion and had signed up to their monthly service. I attempted to call them to resolve this but ending up spending XXXX minutes on hold and never speaking with anyone. Called them again on XX/XX/XXXX and still can not get through. I will be contacting XXXX XXXX and disputing this charge.

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 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. 

I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. 

Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. 

This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. 

Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. 

Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's  debt, but Navy Federal blocked the request several times. 

In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TX

Complaint narrative:
I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. 


DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: MA

Complaint narrative:
On Thursday XXXX XXXX, XXXX and Friday XXXX XXXX, XXXX, I repeatedly attempted to put a credit freeze on my TransUnion account. I tried online, via the automated phone system, and connecting to a representative. The online process and automated phone process would not allow me to proceed to the final step to get a credit freeze. Via the automated phone process, I was re-directed to a phone representative. Each time I was transferred to the phone representative, I only received a busy signal. How do I activate a credit freeze if I can not contact a company representative, or process the activation online, or process the activation via the automated phone system?

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 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: MIDCOUNTRY FINANCIAL CORP
State: GA

Complaint narrative:
I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. 

PIONEER/ MID COUNTRY BANK Account number XXXX .... 
Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX 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 2017-09-15 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: CA

Complaint narrative:
For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.

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 2017-09-15 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: OR

Complaint narrative:
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.

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 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding has repeatedly sent letter to me to collect on something that I have questioned the integrity of. When I sent the second letter requesting proof of anything that I signed stating I owe money to said company they issued a Warrant in Debt which I am attending and defending myself on. Again I have sent a letter requesting all of this information along with information proving to me that I entered into an agreement with them, asking for proof of said original creditor has not been paid in full etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 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: WA

Complaint narrative:
The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.

Company response to consumer: Closed with explanation