vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 

Please resolve this matter as soon as possible. Thank you.

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 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: WI

Complaint narrative:
On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments. 
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.

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 2017-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I saw that my student loan was raised by over {$5000.00} within a 30 day period when I 've been out of school for over 8 years. I attending XXXX in XXXX XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seben Hospitality Investments LLC
State: GA

Complaint narrative:
I had called ( XXXX ) on XXXX XXXX, 2017, trying to take care of my Federal Student Loans. I  spoke to a guy who said his name was XXXX. Through our conversations about my student loans, I thought he or his company ( Helping Hand Consultants ) was affiliated XXXX. So when he asked for my personal information to set up payments I assumed he had to have the information to do what was needed in order to start payments. In the end I had given him all my personal information to include ; name, phone number, address, social security number, credit card information, work information, and signed over my XXXX account power of attorney. After some research and talking with XXXX I realized I made a mistake and that " XXXX '' should have never asked me for my personal information. I was supposed to pay {$330.00} for the next 3 months and then {$0.00} there after. According to the information on the document I signed their information is as follows- Helping Hand Consultant XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX XXXX ext XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). 

They hold significant amounts of US currency in my account which I no longer have access 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 2017-09-16 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: EQUIFAX, INC.
State: OR

Complaint narrative:
The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!

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 2017-09-16 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: OH

Complaint narrative:
I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, Transunion and XXXX do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.

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 2017-09-16 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: OH

Complaint narrative:
I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, XXXX and Equifax do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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:
The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: GA

Complaint narrative:
After the Equifax breach I tried to freeze my report. Equifax ' systems kept throwing errors when I tried to freeze my report. When I went in today to try and freeze my report it is now telling me my report is already frozen but I never received my PIN so now I can not unfreeze it without having to go through a whole process because of Equifax 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX.  I am sure that many foreclosures will occur now in Florida and Texas early next year!

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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS CHARGING ME TO FREEZE MY ACCOUNT TO FIX THEIR MISTAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest. 
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, 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 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On approximately XX/XX/XXXX, I noticed a garnishment on my paycheck. 
I received a copy of the judgement from my Human Resources Director. 
I was not served at anytime, or afforded the opportunity to dispute this debt in court, and this company was given a default judgement. 
The last known address that they indicate was from more than 4-years ago, l. I legally changed my address with both the US Postal Service and NYS Department of Motor Vehicles on or about XX/XX/2014 ; which if this company had researched, they could have located my current address, rather than using " Sewer Service '', which is illegal in NYS  Additionally ; This Jusgement was filed in a county that I do not live in and is in no way associated with me. 
THIS COMPANY HAS NEVER ATTEMPTED TO SERVE ME OR CONTACT ME IN ANY WAY PRIOR TO FILING FOR THIS JUDGEMENT. 
I plan on pursuing an order to vacate this judgement as well

Company response to consumer: Closed with explanation