vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

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: FL

Complaint narrative:
Trying to put initial Fraud Alert on my credit with Equifax. 

First tried calling - XXXX - get past first entry, but when trying to enter social security number, I receive an error, whether I try to enter it verbally or by key entry. Told to either go on-line to alerts.equifax.com or mail it in. 

Second - on alerts.equifax.com I enter all required data, click accept conditions and enter and then get a screen saying system is currently unavailable ( try again or click to print a request form ). 
Have tried many times with different browsers, all give same results. 
When I click on print request form, I get the wrong form ( extended alert form ). 

A company of this size with a problem as visible as this should not have these kind of problems.

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: CO

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 2017-09-13 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: VA

Complaint narrative:
Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.

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:
Reporting company Equifax used my report improperly, and divulged my information without my consent. They also spent too long ( months ) before making me aware of this fact, during which time I could have placed security freezes on my credit. 
This has resulted in compromised security to my finances, my credit, and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans.
The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure.
The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. 
I feel like we were baited and switched with the terms of our loan, without our realizing it.

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: MA

Complaint narrative:
Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.

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 status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Amazon 3 times and Old Navy XXXX are the ones showing delinquent, when we tried paying and they had me as XXXX. This took months to fix. Still no one can explain to me how this happened. 
Thanks

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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.

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 2017-09-13 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: FL

Complaint narrative:
This is not a personal account of what happened to myself, but an account of what TransUnion and XXXX is doing in response to the XXXX data leak. Bottom line is congress needs to step up and make freeze and thaw free under federal law. 

TransUnion is trying to " persuade '' customers to enroll in their product TrueIdentity by redirecting clients who are trying to put a freeze on their credit through webpages that are misleading and aimed at convincing the client to enroll, rather than freeze. XXXX is doing the same with their product called XXXX XXXX. This practice by TransUnion is described below : " If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in TrueIdentity. '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in TrueIdentity '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit. '' Fortunately, I was not affected by the XXXX data breach, however, I am not one to stand by while others are taken advantage of during a crisis like this one. If you 've read this far into my message, then thank you for your consideration.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: CA

Complaint narrative:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to the recent XXXX hack, I am placing a credit freeze through all three bureaus. However, there is a fee of {$10.00} to initiate a freeze from both XXXX and Experian. As this is a national consumer security issue, I think that it 's reprehensible for these companies to be extracting a fee for something that is absolutely necessary to prevent assured identity theft for millions of Americans. The CFPB needs to step in and make this process not only free, but easy to complete and navigate.

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:
Freezes should be free. Fraud monitoring is insufficient.

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: CO

Complaint narrative:
Credit reporting companies, the big three - equifax, XXXX, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from Equifax, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.

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: NY

Complaint narrative:
TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: MA

Complaint narrative:
Equifax allowed my and other 's data to be stolen, and then charges me to freeze my account. FREEZING and THAWING should be free.

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: WI

Complaint narrative:
Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.

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 — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I have an Checking Account with TD Bank and up until this transaction, I have been able to successfully resolve issues with my account with my local branch, located in XXXX Vermont. On Thursday, XXXX XXXX, 2017, I was charged {$35.00} on my checking account for an overdraft charge on the account. When I signed up with my checking account I specifically denied overdraft protection which I knew would knowingly deny charges on my account when funds are not available to avoid being charged a fee. On this charge, my account was - {$5.00} after the bank allowed a {$1100.00} check to clear. Although it was nice that the bank allowed this check to clear ( which would have cost a {$25.00} return check fee ), I believe that my bank was not legally in the right to charge my account {$35.00} when I denied this protection on my account. When I called the main number, they said that my account was ineligible for a refund and that this type of charge is computer driven and can not be refunded. 
I formally request that the CFPB investigate TD Bank for all automatic charges when the customer has denied overdraft protection. My fear is that many people in my similar situation are being charged this fee. I am sure you do not think {$35.00} is a lot of money but to me given my kids college tuition and my high cost of living expenses, {$35.00} is my weekly grocery bill, so to me, TD Bank has fraudulently taken a weeks worth of food off of my table and probably to many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX  that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX  and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.

Company response to consumer: Closed with non-monetary relief