vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: AL

Complaint narrative:
I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my account!

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

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 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 a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!

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: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent this company a debt validation letter on XX/XX/XXXX requesting validation for debts they 'd put on my credit report. On XX/XX/XXXX - the company responded with five letters stating that their was an error and the alleged debts would be removed from credit file within 30-45 days. Well, 30-45 days passed and the debts continued to report. So, on XX/XX/XXXX, I decided to send out a reminder to the company that they were had several accounts on my credit report that they 'd assured me would be removed. This letter went ignored. It is now.. XX/XX/XXXX and the accounts are STILL being reported.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SINCE ON THIS WEBSITE THERE IS NOT AN OPTION TO REPORT AN INDIRECT THREAT TO ME BUT BY VARIOUS CHAIN OF DEBT OR FORECLOSURE MEANS THROUGH SHERIFFS OR MARSHALS OR POLICE OR HIGHER ED MERCENARIES TO THROUGH PEOPLE OUT OF THERE HOME NOT KNOWING OR KNOWING THAT THERE WAS NO MORTGAGE OR LOAN THIS IS WHY I SELECTED THIS OPTION CAUSE IT IS DIRECTLY CONNECTED AIDING AND ABETTING TO THE FORECLOSURE RICO RACKET PERPETRATED AGAINST ME AND MY FAMILY HOME AND LAND, AND PIRATING ASHORE. THERE WAS NEVER A LOAN. cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX XXXX  THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY AND MORE COMING. WHOMEVER IS WRITING ME BACK OR SENDING LETTERS IN THE MAIL WHICH IS MAIL OR WIRE FRAUD, AND ACTING UPON YOUR OWN JUDGEMENT, PROSECUTOR AND JURY IS ALL NULL AND VOID AND A CRIMINAL ACT AGAINST ME. XXXX XXXX PEOPLE OF THE CORPORATIONS ARE LIABLE AND THE FRAUD COURTS SO YOU HAVE NO JURISDICTION OVER THE LANDS, HOMES, CARS, BOAT, WE WONDER IF YOU HAVE ANY? YOU ARE PERSONALLY LIABLE TO ME NOW AND ALL THE CORPORATE MEMBER EMPLOYEES WORKING 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: 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: TN

Complaint narrative:
I am a first time home buyer and was excited to find an amazing house. In the pre-approval process, I was informed of a tax lien on my Equifax credit report. In disbelief, I called the XXXX XXXX XXXX XXXX to confirm this lien. I was informed that no lien was found under my name. Further investigation showed the tax lien belonged to my father, who has a similar name. In pursuit of removing this lein from my report, as of XX/XX/2017, I filed a dispute with Equifax. On XX/XX/2017, Equifax " completed '' the dispute. The confirmation letter sent to me read : " We have reviewed the lien information. Case or ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX The results are : This item has been deleted from the credit file. ". After 30 days, the tax lien still shows up on my credit report under the public records section. I have contacted Equifax customer support many times in the past weeks expressing my concerns, they have been extremely stubborn and tell me that I will have to file another dispute and therefore wait another 30 days. At this point in my contract, I do not have another 30 days to dispute this information. The lien should have been properly taken off during the first dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Due to an illness ( XXXX XXXX XXXX ) and major sewer plumbing problems in the home in XX/XX/XXXX I got behind on payments. I notified the company and let them know I was having financial problems and I asked for a modification. The company denied my request. I put in for a second request for a modification through XXXX XXXX XXXX XXXX XXXX, XXXX who help me with financial payments. Now PennyMac Loan Service sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor ) on XX/XX/XXXX. After PennyMac sold my loan it places my loan on hold with a dummy number through the new loan company XXXX. XXXX XXXX XXXX. ( XXXX ) while still paying PennyMac. Do n't want to lose my home from one company to the other due to not paying the new loan holder ( XXXX. XXXX XXXX XXXX. ). They sold my loan while I was in a 3-month trial with PennyMac modification and I was n't getting the total credit for payments. They said I had modifications trial base but did not take off anything, that is why I could n't clear the charges. I paid a total of {$9000.00} in late charges and payments while still paying mortgage. Bill was caught up to {$1300.00} remaining but due to interest charge, lawyers fees, and late charges. PennyMac would not and did not adjust my taxes on my home as I requested for base credit. ( My City and county taxes adds up to : {$1100.00} ) PennyMac is over charging me for my home taxes.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to Equifax informing them I was a victim of identity theft. I provided copies of my FTC Identity Theft Report and notarized Identity Theft Affidavit ( including reference to police report filed on XX/XX/XXXX ). I notified Equifax that as a result of the identity theft, fraudulent items were appearing on my credit report : 2 charge-offs reported by XXXX XXXX XXXX. I stated that these derogatory items were not related to any transaction initiated by me. In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested Equifax to permanently block these charge-offs and collections from my credit report immediately. 

I received a response from Equifax dated XX/XX/XXXX. It was a letter stating " the results of the dispute you recently filed with Equifax are now complete. '' Under the investigation results section, Equifax indicated they had researched both XXXX XXXX XXXX accounts and " verified that this item belongs to you. '' I was alarmed that Equifax had treated the identity theft as a standard dispute, and called them for clarification. Equifax told me that regardless of federal law, their process is to contact the information furnisher ( XXXX ) for " verification '' of the accounts. This is completely unacceptable, and Equifax is in willful noncompliance of the FCRA.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.

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: NM

Complaint narrative:
Companies : XXXX, Experian, and XXXX Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for 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 2017-09-15 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: ME

Complaint narrative:
The Equifax breech put my security at risk. They used my personal information very poorly.

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: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

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 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: NM

Complaint narrative:
Companies : XXXX, XXXX, and TransUnion Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for 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 2017-09-15 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: NM

Complaint narrative:
Companies : Equifax, XXXX, and XXXX Dates : XXXX 2017 Following the Equifax data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.

Company response to consumer: Closed with explanation