vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my Equifax credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and Experian are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

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 2017-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Credit card was used to pay to vender for probate of grand fathers property with US Bank card and did not receive services or itemized work vender provided they were suppose to get death certificate for me and did n't they would not return phone calls or emails see attached emails they provided nothing for the {$1600.00} dollars I paid them and I have nothing

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 2017-09-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 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: MA

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CT

Complaint narrative:
Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
As a result of Equifax 's data breach, I attempted to place credit freezes on my credit data at Equifax, XXXX and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. XXXX XXXX process died with a system error. Equifax 's process returned a blank pin number. Apparently the last XXXX companies have poorly designed system which can not be relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10 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: OR

Complaint narrative:
Equifax has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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:
Here are my present concerns with Equifax : 1 ) Equifax did n't disclose this threat for more than a month after it happened. 
2 ) Equifax directed me to a website where I could learn if my personal information was stolen, only to give me a canned answer that does n't tell me if my personal information was stolen. This is misleading. 
3 ) I have read that several executives at Equifax sold company stock after the hack was discovered internally, but but before it was announced publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: GA

Complaint narrative:
It was recently revealed that on XXXX XXXX 2017, Equifax 's database containing the personally identifiable data of ~149 million people was breached by an unauthorized actor. As a result, of this my personal credit information ( including SSN, name, address, credit cards, phone numbers ) have been potentially exposed to the public which has put me at immediate risk of identity fraud by those that possess that info.
This information has been confirmed to have been compromised via the website set up by Equifax - https : //www.equifaxsecurity2017.com/

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax was negligent in how they managed their site security and leaked my information ( along with 143M other people ).

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, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost 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: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
my account is in error which is reporting 30 days late for XXXX 2017.

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: IN

Complaint narrative:
In the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''

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: IL

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book

Company response to consumer: Closed with non-monetary relief
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: CT

Complaint narrative:
After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received a notification from XXXX stating that my Best Buy credit card account was 30 days past due. When I contacted Best Buy they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. 

I then contacted customer service again and spoke with XXXX XXXX # XXXX XXXX and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. 

If Best Buy would have applied the payments as instructed then the account would be current.

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 card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I paid my account balance in the full amount of {$1800.00}. On XXXX XXXX, XXXX, Synchrony Bank closed out my account without notifying me, also without my consent. I did not put in a request for my Amazon account to be closed. The only reason I found out the account had been closed was because I check my credit report and it shows the account is currently closed. I requested a reversal of the closed account due to the fact that I did not request the account to be closed, that request was denied and refused.

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