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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.

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:
On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint back on XXXX XXXX XXXX with you. It was regarding tax liens still remaining on my credit report with Equifax that should have been removed when the new guidelines went into place on XXXX XXXX for removing civil suits and tax liens as part of the settlement with the CFPB and the credit bureaus. Here is the case number for that original complaint XXXX. 
The company responded back stating it was verified as reporting accurate. The same auto responses they gave me when I disputed it on their website. 
This is NOT possible to be verified as accurate. In fact both of the other bureaus, XXXX and XXXX XXXX did just the opposite of Equifax. They verified I did meet the guidelines and removed them all from my credit profile. Here is the response from XXXX XXXX I received when the CFPB contacted them. 
Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, we initiated an investigation into the XXXX XXXX County/Recorder of Deeds, XXXX XXXX XXXX XXXX XXXX XXXX of Deeds tax liens and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have deleted XXXX XXXX XXXX XXXX # XXXX & # XXXX, XXXX XXXX XXXX XXXX of Deeds # XXXX, # XXXX, # XXXX & # XXXX and XXXX XXXXXXXX of Deeds # XXXX from your XXXX credit report. 

I expect Equifax to correct this mistake and delete these text things from my credit profile just like the other two bureaus did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.

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: WA

Complaint narrative:
My complaint is that Equifax was reportedly aware of the breach well in advance of when they notified the public. Additionally, I do not believe Equifax took all the available and necessary steps to protect such sensitive information for myself and millions of others. Their reckless handling of myself and others ' sensitive information, along with reportedly not informing the public immediately, puts all of us at great risk of identity theft that may have been avoided had various other actions be implemented in advance by Equifax.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax Security Breach : I called Consumer Financial Protection Bureau ( CFPB ) regarding this fiasco. According to the representative, the CFPB is responsible for the credit bureaus and will be addressing this issue in respect to policy, etc. I explained to the rep ( although she has no power ), that this is the perfect opportunity to change the game on how these types of agencies conduct business and impact individual lives. Per the rep, individuals can go to the CFPB website and submit comments, complaints, suggestions, ect., to CFPB for consideration. I would like to recommend that TYT  address this issue on your show and provide the link for the CFPB to be bombarded with consumer requests to address our concerns with the credit bureaus in general and not just this specific breach.
ISSUES : 1 ) I did not agree to my information being shared with these credit bureaus.
2 ) I do not agree that these bureaus should be able to make money off of my personal information.
3 ) I believe that XXXX was negligent in their responsibility to protect my information 4 ) Credit bureaus have too much influence in my life on all levels.
5 ) Credit breaches should be corrected and individuals made whole by the agency where the breach occurred and not be the responsibility of the individual.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
MY COMPLAINT IS WITH NAVY FEDERAL CREDIT UNION THEIR WAS A CREDIT CARD OPEN IN MY NAME THAT I DID N'T OPEN WHEN I CONTACT NAVY FEDERAL TO FIND OUT HOW THIS HAPPEN THEY FROZE MY ACCOUNT CLOSED IT SO I WOULD N'T HAVE ACCESS AND THEY SAID THEY CHARGE IT OFF BUT NEVER SENT IT TO COLLECTIONS I WAS TOLD THEY HAD ME ON TAPE GETTING A CASH ADVANCE OFF THE CREDIT CARD IN QUESTION WHICH I NEVER DID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
ARS appeared on my credit report. It shows a medical bill from mercy hospital. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked ARS for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXl really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Research, Inc.
State: TN

Complaint narrative:
I received a collection notice from a third party debt collector regarding debt from an XXXX  XXXX clinic in which I had never been a patient. I called to let the collector know that the debt was not mine, and the agent tried to extract information about other people in my household. I refused to give the agent information about another individual, and he disconnected. I called back to reaffirm the fact that I did not owe the debt. The agent again tried to extract information from me about another member of the household. I refused to give the agent this information again, and he disconnected the call. The debt has now appeared on my credit report, and caused it to fall some 32 points. I do not owe this debt, nor should I be expected to act as a liaison between a collection agent and another member of my household.

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: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I never had a loan with a bank that is showing up on my credit report as a derogatory account. Iv'e tried fixing the problem with the company and thru the bureaus but the problem has not been fixed and the account is still on my credit report.

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:
The credit reporting company, Equifax, discovered they had had a serious data breach involving the compromise of thousands and thousands of their customers data in XXXX of this year. 

They recently made the public aware of this breach. Customers make check the companies web site to see if their personal data was involved, however, to do so automatically means you give up your right to sue the company and are forced into arbitration if you incur damages from the breach of your data. This seems totally unfair to the consumers! Especially since it is believed the reason for the breach in the first place was that the security purchased by Equifax to secure its data was insufficient, although sufficient security was available. Apparently, it was a company budgeting decision not to get the sufficient security. 

Additionally, it appears that between Equifax knowing of the breach in XXXX, and the general notice to the public just recently, many executives of the company sold their stock..

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: NY

Complaint narrative:
XXXX appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX appeared on my credit report. It shows a medical bill from XXXXXXXX XXXX I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS XXXX and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXX really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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 repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.

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:
This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Golden State Collections LLC
State: CA

Complaint narrative:
On XXXX XXXX 2017 I received a letter from XXXX XXXX XXXX XXXX XXXX ( This company has terminated their business operations on XXXX XXXX 2017. This letter requested I pay an outstanding balance of {$25.00} or they would forward me to Golden State Collections on XXXX XXXX, 2017. I have all the back up material of my visits and the amount I paid for their services. I called and spoke to the only person left in the office on XXXX XXXX, 2017 and she pulled my filed and said I had a XXXX balance which was consistent with my records and with XXXX and XXXX XXXX XXXX. She said I should discard the letter and Apologized for the error. Today XXXX XXXX, 2017 I received a letter from Golden State Collections requesting I pay the {$25.00} plus {$0.00} and must be paid in full within 30 days they will obtain a judgement and serve it to me and report it to the Credit bureaus. I have called them and they have not returned my call. I informed them that XXXX XXXX verified that I did not owe any more money to them on XXXX XXXX, 2017. Please let me know what to do as I always pay my bills at the time of service and XXXX or XXXX XXXX XXXX notify me if I own anything else and I also receive a bill for the excess and pay immediately. H E L P

Company response to consumer: Closed with explanation