vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 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:
Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
To whom it may concern. 
We just learned that Equifax was hacked and over XXXX XXXX consumers personal information was breached. After reading up on the issue and deciding to put a credit freeze on our SS XXXX we went to the company 's website to realize that they wont allow people to put a freeze up online. Instead you have to write a letter and request a freeze by mail which can take up to XXXX days. That is outrageous and almost unbelievable how our government allows this company 's to garner all our information in the first place and allow lobbying to get away without punishment. This company should be prohibited to do any business in our country and be shut down. Furthermore, Equifax should be held responsible and pay for all damages incurred.I hope that someone in our government has the guts to address this problem and do what is right by the XXXX XXXX. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NC

Complaint narrative:
My information on Equifax was hacked because they did n't do a good job to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I made my mortgage payment on XX/XX/XXXX via freedom mortgages online payment system as I always do on a monthly payment. On XX/XX/XXXX I checked my bank account to confirm my payment cleared and it had not. I called my bank to inquire about the payment and XXXX XXXX confirmed that they had not received a request for payment from Freedom. I logged in to my freedom mortgage account and saw that on XX/XX/XXXX my XX/XX/XXXX payment was reversed. I then contacted freedom to find out why my payment was reversed. The rep said she did n't know but the details show that my account could not be located and that I was past due. I said that is incorrect I make payments every month with no issue and I asked if she could confirm the payment details captured from my online payment. She stated that in customer service she could only see last 3 of routing number and last 4 of account, so she confirmed they were both correct. I proceeded to make another payment on XX/XX/XXXX.I asked how we could confirm the remaining account information she stated she needed to submit a request to get the full payment information and would contact me once she had the information. Days past and no contact so on XX/XX/XXXX I called freedom mortgage and they advised nothing had been done and there was no way to verify the details of my account information. I told them that was unfair, I have never paid late, I always pay online, and no once can confirm what happened. Rep advised unfortunately it had to be a mistake on my part and there was nothing they could do, I use the online payment system at my own risk, they have no responsibility with payments made online and I would need to

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 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
On XXXX XXXX my home was a total loss due to fire ditech ( green tree ) has continually harassed me with foreclose notices, giving me wrong payoff amounts, charging me wrong inflated amounts, now they are holding my overage money for 30 days so they can collect interest on it form there banks my family has no where to live and no food nothing!!! These people are Complete CROOKS!!! They need to be stopped they have been sued before they need to be shut down NOW!! Please help they are stealing from me left and right please stop them if there are any class actions against them please let me know, each person that works for them are JUST as guilty and need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My house was sold when there was a loss mitigation package sent in 11 days before the scheduled sale date. and my house was still sold on XXXX i was advised that the package needed to be sent in 7 days before the scheduled sale date and it was. in the past back in may a package was sent in 4 days after the due date allowing only there to be days before the sale date to happen and they stopped the sale and postponed foreclosure proceedings. since then i have been doing my best to compete all their requirements and it is never sufficient for them, i have now lost my home because this entire time they have lied to me. 

LENDER CALL : US BANK SPOKE WITH : XXXX IN LOSS MITIGATION XXXX FORECLOSURE : ACTIVE SALE DATE : XXXX XXXX COMMENTS : REP ADVISED, FILE IS IN REVIEW. DOCUMENTS HAVE BEEN RECIEVED BUT NOT FULLY REVIEWED. REP ADVISED THAT THEY HAVE REQUESTED FOR IT TO BE POSTPONED ON THE XXXX AND STILL HAS NOT BEEN POSTPONED. 

on the conversation above i was informed that the sale would be postponed considering also that they scheduled a sale date on XXXX which is why the postponment request was done. 

is this not illegal? are they allowed to do this not just to me but to everyone else who has gone through this? 

i am an XXXX XXXX woman. are they doing this due to my race? i have shown to them i do have income to keep up with my mortgage and bills. why are they not helping me at all. all they did was unlawfully sell my home. 

i want my home back LENDER CALL : US BANK SPOKE WITH : XXXX XXXX IN LOSS MITIGATION FORECLOSURE : SOLD SALE DATE : XXXX COMMENTS : REP ADVISED, WORKOUT PACKAGE WAS NOT RECEIVED IN TIME FOR LOSS MIT REVIEW. PACKAGE WAS SENT IN ON XXXX AND REP ADVISED FILE SHOULD HAVE BEEN SENT IN ON XXXX 2 DAYS BEFORE IT WAS. REP ADVISED PACKAGE SHOULD HAVE BEEN SENT IN 7 DAYS BEFORE THE SCHEDULED SALE DATE WHEN IN THE PAST I WAS TOLD IT WAS 37 DAYS. ON XXXX WHEN SPEAKING TO XXXX I ADVISED THE REP THAT HE STATED THE REQUEST FOR THE POSTPONEMENT WAS PLACED AND THE CURRENT REP ADVISED THAT WAS NOT TRUE AND NO REQUEST WAS PLACED THAT THE REVIEW WAS CLOSED OUT DUE TO THE SALE DATE APPROACHING. 

REPS LIED AND HOUSE WAS SOLD. 

todays conversation i was told everything that was said on the previous conversation was a lie and postponement was never placed and that the file was closed out from the review. 

completley contradicting information in a matter of days.

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 2017-09-12 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:
Unable to access Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MA

Complaint narrative:
On XXXX XXXX I mailed in a copy of two documents that I received from a law office ( which represents XXXX XXXX, XXXX which is reported on my credit ) to equifax and confirmed over the phone with an equifax representative that it was received and a dispute was started on XXXX XXXX. However, fast-forward to XXXX XXXX ( when my dispute was completed ) the collection is still reporting to my credit regardless of the proof given to equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MI

Complaint narrative:
In XXXX of 2017, Equifax experienced a massive security breach which exposed customers personally identifiable information, including mine ( for more info XXXX XXXX XXXX XXXX ) This complaint is to formally record their negligence in securing my personal information and allowing it to be accessed. In addition, that these companies are requiring affected individuals to manually request credit protection or freezes despite the fact that they are the ones who negligently released the information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Young America Holdings, LLC
State: IL

Complaint narrative:
We bought a XXXX dishwasher from XXXX on XXXX XXXX, XXXX. The dishwasher was bought under a special XXXX XXXX promotion from the manufacturer, XXXX, which provided a rebate from the manufacturer for {$150.00}. We submitted the claim for the rebate and were sent a XXXX prepaid card on XXXX XXXX, XXXX. It arrived to us sometime after that. The tracking ID for the XXXX rebate claim was XXXX. When the card arrived, it had an expiration date of XXXX. However, we did not notice this date until I tried to use it earlier this year ( around XXXX or XXXX XXXX ). Since it was expired, it did not work when I tried to use it. 

I decided to follow up and call XXXX today, XXXX XXXX, XXXX, and was told to call a different phone number for prepaid cards. Eventually I spoke with XXXX ( Agent # XXXX ) at a prepaid vendor company called Young America. His number is XXXX, which is also the number that is listed on the back of the card for customer service. He acknowledged that the card had never been used, but said they could not re-issue the card. He said there was nothing they could do about it, the funds were gone. I told him that was not my understanding of the law - that funds do not expire on prepaid gift cards for at least five years. He said there was nothing he could do. 

Here are more details about the card that may be useful. It is a prepaid XXXX  card, issued by XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX Their website is XXXX : XXXX. If you click on contact, they ask you to call the number on the back of your card, which is what I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: VA

Complaint narrative:
I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i have an issue with transit checks i purchased ssisary t checks and they were damaged I 'm just attempting to get reimbursed so i could get the money i invested returned ... ... 
from there this is an issue i had before .. i reported the issue through the consumer finance protection bureau and I 'm unaware of the relevance with them sending money to an account of mine with response stating i could be reimbursed the first time due to when the distance was exceptionally unexceptible ... 
i would want to see if you could locate the difference with the companie i purchased the vouchers ( transit checks ) from innitially to inquire if thats been done already as well if applicability would equate if the money could of been sent to due to my request if ever not a check due to my inability to refferiance my original response due to an email issue as well traveling I 've been unable to as well refferiance the account i would of before canceling the money transfer to so with that stated i would like for you to get the information regarding the card number ..do too a prepaid refillable american express card ... as well expiration date with code ... my email has been encripted before would even a phone number be possible.. the componie i purchased was XXXX .... XXXX NewYork XXXX ... 
social security card number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: IL

Complaint narrative:
Last week on XXXX XXXX, XXXX when they had the report of hacking, I was informed ( by putting in my information XXXX that my information was compromised. I also have unauthorized inquiries on my report starting on XXXX XXXX, XXXX. I contacted Equifax and since I did not get anything accomplished, I added the security freeze on my account. I paid the {$10.00} fee. Seeing that it is Equifax 's issue that has made my personal information vulnerable, I should not have to pay for the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
I 've been calling for the last couple of months in regards to the XXXX  breach. I 've been calling last week to no availability in regards to the XXXX  breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX  medical bill for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my XXXX XXXX credit card, XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
I 'm contacting you because after the XXXX breach I 'm attempting to place holds on my credit with all the bureaus and doing so with Experian has been supremely difficult to the point that I think they are purposefully trying to stop people from doing it. Both the other companies allowed me to freeze my credit over the phone using the keypad. I tried calling and waiting for 40 minutes the first time and more than 30 minutes the second before I had to hang up ( wonder if they even HAVE customer service representatives ). Then I tried to do it online, entered all my information in correctly and answered all the questions correctly THEY DENIED THE FREEZE!!!! They are requesting that I mail them a ton of sensitive information. This is INSANITY! 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 explanation
Consumer complaint received 2017-09-12 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 am submitting a complaint about the Equifax breach in XXXX 2017. 
Their inability to protect the data of hundreds of millions of consumers has placed us at risk. I am livid and extremely concerned that they did n't notify us. Had it not been for the XXXX XXXX we would n't have known. 
Two of their officers cashed in stocks but that did n't raise red flags? 
It should n't be our responsibility to ask Equifax or any credit reporting agency to protect our data ; I refuse to pay one red cent for credit monitoring services. 
I will also contact my Senators and Rep and demand that they refuse to pass any legislation weaking consumer protection. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
My loan was transferred From XXXX to LoanCare effective XXXX/XXXX/XXXX. I was sent documentation from my previous loan servicer informing me of the transfer as well as LoanCare 's mailing address. I subsequently sent a payment by check to LoanCare 's XXXX. XXXX on XXXX/XXXX/XXXX. 

After noticing on XXXX/XXXX/XXXX that the check had n't cleared, I contacted LoanCare 's customer service department. I was informed to place a stop payment on the check and make my first payment to LoanCare by phone. I was also informed that any fee to process payment by phone would be waived as I am a new customer. I then set up ( with the customer service representative ) an auto draft schedule for my monthly mortgage payments. 

This afternoon ( XXXX/XXXX/XXXX ), as instructed, I contacted my bank and placed a stop pay ( costing me {$30.00} ) on my initial loan payment check. I then called LoanCare to make a payment by phone to find that ( as I have n't been sent any of my loan information ( e.g. account number ) so I could setup and pay from an online account ) I could either pay a {$12.00} processing fee to pay by automated phone service, or a {$15.00} processing fee to speak to a representative and pay. I opted to speak to a person, under the impression the fee would be waived. Once I was connected to the representative, I was informed that, despite what I the previous representative stated, not only was I still subject to processing fees ( thankfully the processing fee was waived ), but that a stop payment would n't ACTUALLY stop the payment on the check. Rather, LoanCare would still try to process the stopped check and I have would be subject tp ( yet another ) fee of {$20.00} for insufficient funds.
In summary, LoanCare 's inability to process a payment in a timely manner and misinformation of it 's staff has potentially cost me an extra {$65.00} on top of my mortgage payment. This is NOT an acceptable way to begin a business relationship. And judging by the many similar scathing reviews online, I 'm not the only unhappy customer. 

How LoanCare can resolve this issue : I respectfully request that LoanCare reimburse me for the stop pay I was instructed ( by a LoanCare representative ) to place on my initial loan payment as well as any subsequent fees and fines I may be subject to pay to my personal bank ( i.e., Insufficient Funds fee ). I also request that any Insufficient Fund fees to be paid to LoanCare by the homeowner be waived.

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