vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was at work about 3 weeks ago when i got a notification that there was two alerts that both for XXXX bucks at the same atm within a minute from each other. This was also an atm in a complete different city that i live and work in. Called canceled my card opened a dispute. A week went by they responded with nothing was found wrong. Called again and reopened the case. Today i get the same message back copied and pasted. What can i do about this? 

This was through simple banking

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have an installment loan with Navy Federal Credit Union since around XXXX. I got behind on my loan at the end of XXXX and been making on time payments. Navy Federal Credit Union just recently turn my accounts over to a collection agency. I call them repeatedly to find out a solution and they statement a collection agency will be the best solution.

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

Complaint narrative:
I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX my XXXX yr. old mother was taken by a scam artist. The card information was falsely obtained. The person calling her was claiming to be her grandson in another state and told her he had been arrested for drugs and he was sick and needed medicine. She was told to go get 8, {$500.00} American Express pre-paid cards, call them back with the numbers so he could post bail. She did this and they continued to call into the night when she then suspected a scam and called me. I called American Express that night. i had to register 5 cards in my name and 3 in my wife 's so that I could dispute the charges. I did this and American Express told me they would reimburse the money. After weeks of submitting in writing a police report they have now denied without any explanation. I spent 3 hours on the phone one night being on hold for 2 1/2 hours. I get no response just a run around. Please help get my elderly parents their money back. They only live on Social Security.

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:
On XXXX/XXXX/XXXX Equifax Inc. said its systems were struck by a cyberattack that may have affected about XXXX XXXX U.SXXXX customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about XXXX consumers were also accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail 
To	XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX 
 
Re:      Bank of America, National Association
            XXXX, NC 
 
Dear XXXX XXXX:
 
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).  The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system.  To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. 
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB).  Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance.  We are forwarding your correspondence to the CFPB at the address below.
 
Sincerely,
 
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX
Telephone:  XXXX
Fax: XXXX
 
cc/enc:   
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA  XXXX
Telephone:  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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I check my credit report very regularly and today I noticed that there were a number of inquires that are duplicated and are showing on my report that were not previously there on my report. I called the customer service number for Trans union and I was told that the computer must of had a glitch but they did not provide any resolution to get it resolved or corrected.
I would like to have my inquiry section updated to show the correct number of hard inquires.

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 2017-09-12 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: MA

Complaint narrative:
Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.

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: LA

Complaint narrative:
Between XXXX and XXXX of XXXX, Equifax suffered a data breach, due directly to their lack of digital security. A simple and easily available penetration test series by a professional organization would have found and prevented the data loss. This information is IMMUTABLE. IT CAN NOT CHANGE. So, I am left with a problem that will be MY problem for the rest of my life, thanks entirely to poor security practices. As someone that works in XXXX, in XXXX, protecting your and their XXXX data, it galls me to think that a company that I did n't have a choice with maintaining a file with, has damaged my life like this. 

DO SOMETHING.. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC
State: OR

Complaint narrative:
XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.

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: WY

Complaint narrative:
Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up

Company response to consumer: Closed with monetary relief
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: MO

Complaint narrative:
Equifax failed to secure vital personal information including name, address, date of birth, credit information and social security number, leaving myself vulnerable to identify theft for the rest of my life.

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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Equifax first learned of this hack on XXXX XXXX 2017. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for the consumer to have deal with.

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, I have learnt about the Equifax hack. I checked on their website and my " personal information may have been impacted by this incident ''. 
Later on, I tried to get a credit report from Equifax and it failed. 
I tried to freeze my files and it failed. 
I also learnt that the Equifax website to check about the incident does n't even always give reliable information. 
I was in XXXX for work and I had to come back to the US in  order to figure out how to solve this problem since all the internet-only actions have failed.

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: OR

Complaint narrative:
Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell me.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This is the second time I 've had to ask for assistance from the CFPB. I have many unauthorized ATM transactions on my Citibank checking account. I now have a small overdraft because of my missing funds and they 've threatened to close my account if the overdraft is not paid. I should have over $ 2k in my account. It 's been well over 10 business days since my dispute. They should at least provide provisional credit while they investigate. I thought that was the law?

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: MD

Complaint narrative:
On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
Unable to repay back loan because of the high interest that I didnt, understand

Company public response: Company disputes the facts presented in the complaint
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: MN

Complaint narrative:
Equifax recently revealed that many accounts have had information stolen from them, and there is no way of knowing which accounts are at risk. This has been happening for about 6 weeks, and Equifax only just released a statement.
Equifax asked users to go on a new website where you could check if your account was at risk. It was quickly revealed that the website gave out random results and was n't at all a useful tool.
I am trying to do everything I can to protect my information. I have never used Equifax ( as I mainly use XXXX ) but since the 3 largest Credit Unions are so interconnected, hackers could still steal my information despite me never giving it to Equifax.
My information is n't their property, even if they believe it is. I have never used their service, and because of their neglect for their customers ( or as they believe, " products '' ) I now have no idea if my personal information ( that I have made a huge effort to protect ) is at risk.
Obviously this is n't just a problem for me, it effected millions. But I just want my voice to be heard because I do n't view myself as a product, and I do n't like the idea of a major company being able to give away information that was n't given to them willingly, and is n't theirs. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax had a leak affecting 140ish million americans. A visit to their website regarding if your info was leaked told me it was probable that my info was leaked.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have over 42 inquiry on my credit reports with all 3 reports.

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