vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: AR

Complaint narrative:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

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 2017-09-13 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:
This is a general complain about the lack of security by Equifax in their latest massive data breach impacting almost half of Americans, for which I am a victim of. CFBP and Congress must step up and penalize Equifax for their gross incompetence and negligence for not providing adequate digital security for extremely sensitive databases leading to a lifetime of worry and concern to people who have no choice in being their " customers ''. While offering free, short-term monitoring of credit is a nice gesture, this is a serious problem impacting every consumer with a credit history and identity thiefs may take advantage years down the road as people begin to forget Equifax 's breach occurred. Equifax must be made an example of to send a message to all companies handling consumers ' sensitive data : lax security in the digital age will not be tolerated. Over one hundred million Americans have been impacted by Equifax 's decision to not take adequate security measures, and this can not happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Action Financial Services, LLC
State: MI

Complaint narrative:
I WAS TOLD THAT MY STUDENT LOANS WERE NOW WITH A COLLECTION AGENCY THAT I DO N'T OWN. THE DEPARTMENT OF EDUCATION SAID THAT THEY DO N'T HAVE ANY INFORMATION OF ME OWING ANY DEPT WITH THEM

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 2017-09-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian, i submitted a complaint, in XXXX due to experian social account ws hacked, in XXXX, social securiy account # ws hacked, i filed a complaint earler with the cfsb, this year again due to many discrepancies, with experian, crooked credit agency, they sent me a credit pooor XXXX, mine shoule be XXXX, i am still protesting and want my credit score increased immediately, this has cased ma a, late retirement and also high interest rates on a leased vehicle i purchased in XXXX..Please review again and Issue restaints.Thank you XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ma. 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 2017-09-13 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments

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 2017-09-13 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: DC

Complaint narrative:
on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the wake of XXXX XXXX unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by TransUnion in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.

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 2017-09-13 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: NY

Complaint narrative:
Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Attempted to request XXXX Freeze on Experian web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with XXXX was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable

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 2017-09-13 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:
Response below : Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX XXXX XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: FL

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 my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: ND

Complaint narrative:
I am requesting FULL VALIDATION of the debt. I do n't want an account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XXXX separate occurrences during the winter of XXXX of XXXX I was told many times that I was not able to remove my father as a co signer. I was also told that I was not able to have my interest rate of XXXX percent refinanced. I was told that there was nothing I can do and that this is something I would have to deal with. They never explained ways that I can try and beat the debt only ways to prolong paying. Currently I 'm not able to get above the principle of the loan and currently see no end in site to paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NM

Complaint narrative:
On X/XX/2017 it was time for my first re-certification of the XXXX plan I had been granted XXXX months earlier under FedLoan. I submitted a completed application along with a comprehensive statement of income and proof of income sources, XXXX per source, current within XXXX days. 

On XXXX, I was informed that my XXXX re-certification was rejected. The reason cited for the rejection was that I had not supplied adequate documentation for my spouse 's income. I informed customer service that my spouse 's source of income was from investments XXXX checking account with interest ). The first round of talking with customer service resulted in " There 's nothing we can do for you. '' The second round resulted in an escalation for another review. 

On XXXX, I called back to see how this second review had progressed. Customer service again informed me that it had been rejected, again citing the lack of proper documentation for employer based income when I had indicated that my spouse had taxable income. Representatives from FedLoans even went so far as to tell me that I should n't have reported the interest income as taxable income. That I should have just left the interest income off ... Say what? Seriously, asking me to certify a false document? XXXX ( sorry, but they really go me worked up XXXX, the law is the law. Taxable income is taxable income. 

I ca n't explain it any other way, but I think because I had checked the box indicating my spouse had taxable income, they thought it could have only come from employer income despite it clearly stating in Section 5 that Taxable Income includes " dividend income, investment income ''. They were looking for a pay stub, when I did n't have one to give them. She does n't have a job. The taxable income did n't come from a job! 

As of today, X/XX/2017, FedLoans now says they 're going to process for the next billing cycle, and I hope that after XXXX months of this drama, they finally have their heads on straight. I 'm not surprised to find that the XXXX in Massachusetts is suing FedLoans. They 're very difficult to work with at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC
State: CA

Complaint narrative:
ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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:
A few months ago, Equifax was hacked and records of 143 million Americans were copied/stolen. Equifax failed to disclose the hack to the general public for more than a month. The executives decided to use insider trading and sold over {$1.00} million in stock before finally announcing the hack to the public. 

Equifax later set up a website, equifaxsecurity2017.com, that was designed to tell you if your records were hacked. Disregarding the number of terrible security decisions such as a new domain registered with a different affiliate, equifaxsecurity2017.com was not designed to protect the consumer. equifaxsecurity2017.com would give you a random answer no matter what you input. I tried multiple times with my name as " aaaa '' and the last 6 of my SSN as " 111111 ''. equifaxsecurity2017.com is designed to entice the consumer to purchase their  credit monitoring package with a free year offer. 

In addition to all this, if I, an America, want to protect my credit score, why must I PAY for the ability to freeze my credit score? Why is it my fault when my identity is stolen?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC

Complaint narrative:
In XX/XX/XXXX, my husband and I filed for bankruptcy. We submitted all our debts to include my private student loan from XXXX XXXX. Our bankruptcy was discharged in XX/XX/XXXX. I  started paying my federal student loan and thought my private student loan was with the payment of my federal student loan. XX/XX/XXXX, I receive a call from a collection agency stating I owe a student loan and I should start paying. I informed the person, I had filed bankruptcy and the student loan was included and I have been paying what I owe on student loans. I requests the document the collection agency was referring on the student loan. I never received any letters or information for the collection agency. Late XXXX, my credit report shows I am in collections with XXXX XXXX XXXX XXXX XXXX ( PBCM ) for the student loan for XXXX XXXX. I called XXXX XXXX and the representative tried to find my student loan account. XXXX had acquired XXXX in bankruptcy and should have my student loan documents. XXXX has no record of my student loan. Then I call PBCM and spoke with XXXX XXXX and told her my student loan was part of the bankruptcy. She agreed to close the collection on XX/XX/XXXX and returned the collection to XXXX XXXX XXXX. I spoke with XXXX XXXX ( XXXX, XXXX ) to inform her my student loan was part of the bankruptcy and I had not paid anything on this loan since early XX/XX/XXXX. After completing some research, XXXX calls me back to say I still owe the loan since I never had an adversary hearing regarding the private student loan. I was being sent back to collection at PBCM. XXXX XXXX and I spoke again, I request the promissary note and supporting documentation that PBCM actually was allowed to collection the loan. I have not received any document and XXXX demanded that as soon as I receive the documents, I would immediately have to pay the entire balance of the private student loan of over {$14000.00}. I told XXXX I am not employed, I am an uncontrolled type XXXX XXXX  and my employment opportunities are very limited. I would be consulting an attorney regarding the private student loan. I have talked with 2 different attorneys and I recieved conflicting information. 

Has the statute of liminations for the state of North Carolina on non-payment of debt been met? I have not paid on this loan since XX/XX/XXXX and have a collection agency demand payment after more than 5 years seems unreasonable.

Company response to consumer: Closed with explanation