vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.

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 2017-09-18 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: TN

Complaint narrative:
The name XXXX listed and reported on my credit report is not mine does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: WI

Complaint narrative:
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with Equifax online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Debit card number and pin number somhow obtained and used to withdraw money fraudulently. Bank of America account and they denied claim and will not reinburse funds fraudulently obtained. Also have requested numerous times for evidence leading to their decision and to date have received no documentation on matter. I have been on the phone speaking and holding for many hours trying to resolve and have gotten no where. I have only one debit card and was used by me and fraudulently geographically about XXXX miles apart within approximately one hour which to me shows that a fraudulently made card existed and was used. Some how Bank Of America decided that no such card existed and continues to deny the fraud claim. The fraud which occurred from XXXX XXXX to XXXX XXXX of XXXX totaled about {$2100.00}. Also during these transactions I was never contacted by Bank of America XXXX department in regards to the unusual activities on account. This is odd because on most occasions if I travel from my home state of NY out of state my card will be shut off upon attempting to use if I do not issue a travel notice. I am now to a point that I believe Bank Of America is purposefully denying my claim repeatedly in hopes that i will give up and no longer pursue reimbursement. Given all the times, amounts and locations of transactions it is obvious that fraud has occurred and find it very difficult to believe that the professionals who investigated this claim did not come to the same conclusion.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I received a collections letter from Credit Collection Services on XXXX/XXXX/XXXX stating that I owed an overdue debt in the amount of {$210.00} for a XXXX XXXX account. I immediately disputed the debt in writing on XXXX/XXXX/XXXX. This item is on my credit report as a negative item and is preventing me from purchasing a house. I do not have any knowledge of this account, never received any prior documentation, nor have I ever had any services by XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: NJ

Complaint narrative:
After the breach at Equifax, I signed up for free credit monitoring offered by Equifax. I received two emails from Equifax to complete this registration. The link on both emails was invalid so I call Equifax direct. They started asking me for my social security, mortgage company and monthly payment. I told them that I was not about to give this information over the phone especially after the security breach. I asked if I could do this online, they said " No ''. I asked if they could send me something in the mail, they said " No ''. I asked if I could speak to a Supervisor, they said no one was available. This is unacceptable especially after the breach of personal and private information. Equifax first of all should not be sending multiple emails with links that do not work, they should not be asking me for my social security number or other private information over the phone. I can not verify to whom I was speaking, how do I know that the number I called is actually Equifax - perhaps their phones were breached as well. Equifax has to make this credit monitoring " final step '' more professional and safe for us consumers that had their personal information breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had my rent increased on my apartment rental by a significant amount. I am planning to find another place to live. Then, Hurricane Irma hit. I was evacuated to a shelter, had no power. I am XXXX, but work a little. I am an iXXXX XXXX and do XXXX XXXX XXXX. Because of the storm, I was unable to get to my patient to provide his care. I missed close to two weeks work. I do n't get paid unless I work. Because of all these factors, I missed payments on my XXXX XXXX Credit Card and my XXXX Credit Card, which are both through XXXX XXXX. When I was able to live in my apartment again, after the flooding receded and I had power. I called XXXX XXXX about both accounts being late. I arranged to have my next payment debited from my checking account on XX/XX/XXXX. I told them I would catch up and get my account current again, once I was back to work. On XX/XX/XXXX, I checked my checking account at XXXX XXXX XXXX. Two payments had been put through, one for XXXX, at {$35.00}, and one for XXXX XXXX, at {$20.00}. Because I only had a few dollars in my account, both overdrew my account. It takes several days for the charges to be returned, so I can not use my checking account. Now, I ca n't pay my cell phone bill and my cell phone is going to be shut off tomorrow. I called and complained, because I have never missed payments on these credit cards until all this happened. They said it was some kind of mistake. I asked them to forgive my XXXX payments, because, I live in a state that has been declared a federal disaster area, and that 's what my other creditors are doing. XXXX XXXX refused to do this. Now my cell phone will be shut off. I planned on paying it today, until XXXX overdrew my checking account. They wo n't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I have a mortgage with Nationstar, I fell behind because my husband was injured at work and was out on XXXX. I tried to make a payment to pay the mortgage current with the full amount past due, I was told I needed to pay attorney fees as well, they made me wait a week to get the payment meanwhile everyday the amount goes up. I finally get the payment they want which is XXXX dollars more then what my actual past due balance is, then they tell me i can apply for a modification, I applied and sent in everything they asked for, it took 2 weeks to hear back ( still accruing more fees ) finally I get a rejection on their website ( that I checked every single day ) and no explanation as to why. So now I am stuck having to find things to sell just to get this extra XXXX dollars in attorney fees to pay them current so they will accept the payment. I feel like it is set up so companies can take advantage of people already struggling. It should not be allowed for them to be able to reject a payment that does not include fees that the company opts to incur. I did not ask them to get an attorney I have been trying to catch the mortgage up, the attorney benefits them not me, why should I have to pay for it. I just want to pay them what I owe them and they reject it. 
Unfair to the consumer. 
Inconsiderate to people who are stuck in a temporary situation. 
Nationstar mortgage AKA Mr.Cooper only has one goal and that is to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like XXXX and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.

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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Management Incorporated
State: RI

Complaint narrative:
Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: MO

Complaint narrative:
Placed a dispute with Equifax about reported information on XXXX XXXX, XXXX and still have not received resolution. Attempts to contact the company go unresponded to. Sent letter, called phone number on website, Constant busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?

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 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have received notifications from Creditors SpecialtyService Inc. Due to illness, I did not have the ability to address the debt or communicate with the collector. In XX/XX/XXXX, with my health declining further, I attempt with the help of my sister to resolve the debt. Due to other concerns with finances, my intention was to declare bankruptcy. The only communication ( see call log attached ) with a representative was made in late XX/XX/XXXX, who gave me what I need to do to resolve. All attempts since that phone communication have gone unanswered ( see call log ) and it appears that the company is either no longer in business or my have gone bankrupt. I need to resolve this debt and clear any cloud on title of jointly owned property with my siblings. I am ready to resolve the debt, but have no means to connect with the company to do so.

Company response to consumer: Untimely response