vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax breach : confirmation that I was affected by the breach and refuse to process or allow access to the promised credit monitoring. I have completed the enrollment application 5 days ago, and still have not been granted access to the credit monitoring. I have called Equifax on numerous occasions and have been given phone numbers to Equifax automated systems and other departments, none of which could or would provide any assistance. Two of the 10 employees include XXXX # XXXX and XXXX # XXXX. XXXX informed me that my enrollment application could not be located, and he could n't help me, and told me to complete the enrollment again. I 've completed the enrollment 4 times, and still have n't received the confirmation email to finalize the enrollment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 2017-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

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 2017-09-17 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
In my name, as a parent, I agreed to a XXXX XXXX XXXX for my son to attend this college in XXXX. It was {$30000.00}. That was not the issue. The issue is XXXX of XXXX, XXXX now owns the loan. As a single mother, my bill came in at {$110000.00} stating the XXXX XXXX XXXX XXXX is XXXX/XXXX/XXXX. Each time it goes into deferment, the interest is being capitalized. This INSANITY has to stop. XXXX says this is my only option as I am not eligible for anything else. I am a single parent and neither I or my son can pay the monthly payments. I was told that I could get no help because it is a " XXXX XXXX '' XXXX. I am not smart and this is XXXX me. Please help, I do n't know what to do!! I am XXXX XXXX XXXX and barely make just above minimum wage. I have no assets either since a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: NC

Complaint narrative:
I submitted a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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:
Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please be advise that Bank of America violate the dual tracking laws, after our home had been considered for a loan modification agreement, bank of America was wrongfully pushing us to foreclosure 's sales, also simultaneously transferred our mortgage/loan to XXXX XXXX XXXX and then to XXXXXXXX in order to eliminate their name from the problems and unlawful act.that ant. Please note that under above mortgage transaction, our home was sold back to to XXXX XXXX XXXX XXXX XXXX by XXXX foreclosure and trustee Sale # XXXX / property address at XXXX XXXX XXXX XXXX, CA XXXX. 
On XX/XX/XXXX, we had no choice and forced to move out from our only existing premises that we spent all of our retirement and life investment. Regarding to our communication result with CFPB dated XX/XX/XXXX, Bank of America is so big and strong with their strong law firm that usually homeowners such of us become homeless regardless of our right. We did not receive any remedy yet, at this elderly ages with a few on going XXXX XXXX under a doctor 's care. We lost our home because of unfair business dealings by the bank of America. 
My wife and I are carrying a lawsuit against Bank of America for above illegal mortgage practices of dual tracking, and Homeowner Bill of Right. 
Although we can no longer take our home back, but we are willing for a fair settlement offer by the bank of America to recover some of our losses. 
We would certainly appreciate the assistance of CFPB corresponding to above and look forward to hearing from 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 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 2017-09-17 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: WA

Complaint narrative:
On XXXX XXXX, XXXX I froze my credit with XXXX and XXXX, with no problem, online. Using the same information, I tried twice with EXPERIAN and was told they could not freeze my report with the information I had given. It was the same as I had given the first XXXX! Then I tried to call and got an XXXX service which gave me no way to freeze my account, only an address to send copies of multiple documents. I then tried to email them the following message, but they have no email address listed where I could file any complaint or ask questions. I wrote : Please tell me why you will not accept my freeze online or by phone, even though your website says I may? I had no trouble placing a freeze with XXXX or XXXX online! What is your problem? Please reply asap. I am sure I am not the only one who is infuriated by your request that I photocopy and send many documents to you by snail mail! XXXX is of the essence since the XXXX hack! 

I consider Experian 's obstructive behavior a violation of my right to receive fair treatment and an answer to my questions. my identity might be stolen because of their actions and inaction to protect my consumer rights.

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 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
It makes me disgusting that how XXXX XXXX did what they did and government do n't do anything about them. 
It 's XXXX XXXX 's fault for selling my mortgage to monster SLS ( specialized loan servicing LLC ) My husband was laid off from XXXX XXXX XXXX after 10 years Them the school was closed by government and filed bankruptcy gone for ever. 
Now the stress of sudden job and income loss put my husbands health in a great danger and decline his been in and out of XXXX starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he was a pre XXXX XXXX his also in on going physical theropy use of his hand is not an option he still need to have XXXX on his knees and other hand and shoulders so working not an option we are waiting for his state social security XXXX benefits but that takes time!!!! 
XXXX XXXX I was put in this situation by the employer and SLS refused to work out they should be closed and shut down they are thiefs and XXXX who do n't care about anything but taking my home I asked them for mortgage forgiveness buncha other programs according to them I am not qualified I need to know how is that possible SLS is the cause of I and my husband XXXX decline they are causing and cause of our XXXX I am not moving or give them my home I need help and I found out government is filing law suites against big banks and those XXXX and XXXX XXXX who were the cause of the fall out the financial and real state 10 years ago My mortgage is part of that I need my situation to be published and government authority see what there XXXX mortgage servicer do and take people home without do anything I like to heir an attorney and sew SLS for what they doing but I am not a celebrity or a billionear who has all the money in the world so therefore I wo n't allow these monsters to take my home .that is a promis

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 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.

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 2017-09-17 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: AL

Complaint narrative:
I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: KY

Complaint narrative:
I have been trying to contact both XXXX and Experian to place a freeze on my credit report for several days. I was XXXX of the persons affected by the XXXX breach. 

For XXXX ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For Experian ... I tried to pay for the freeze on my account to avoid signing up for their monthly service XXXX {$4.00} to start, {$24.00} per month thereafter XXXX, however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at Experian. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with Experian? 

Much praise to XXXX. Their process was free and flawless. For Equifax and Experian, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.

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 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened an AmEx account in XXXX XXXX. AmEx requested I submit to a financial review and submit documents prior to a certain date in XXXX. Several days before that deadline, AmEx closed my account with the reason being I did not provide the requested documents. In the meantime, I earned Membership Rewards points for meeting a spending threshold and for the purchases I made while using my account. I paid my account in full, and I currently have a credit balance. I previously filed a complaint stating that AmEx did not make the MR points available. They responded that they would be available after my next statement closed, which was over a month ago. Despite this, the points have still not been made available. When I attempt to transfer to a MR partner, I receive a message indicating I have no points or cards enrolled in MR .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX 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