vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation
State: MI

Complaint narrative:
On XXXX/XXXX/2017, at about XXXX XXXX they contacted a relative and shared personal financial information including my name, social security number, amount of debt, and nature of debt with him without permission or confirmation that they were speaking to the right person. The relative repeatedly told them that he was uncomfortable sharing or confirming my financial information. XXXX shared significant financial information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian reported the recent data breach involving millions of Americans. I went to their below website to see if I was affected. URL : https : //www.experian.comXXXX XXXX XXXX XXXX I submitted my email address and waited for their reply email as requested. It has now been three days and no reply. Today I signed up for free with Experian to contact them as I could not find any number or email. There is no email contact I could find. I found their number of XXXX. I was on hold for 13 minutes with no indication of how much longer I would be on hold. I gave up. They make it difficult to contact 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 2017-09-15 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: CT

Complaint narrative:
As one of the reported 143 million acknowledged by Equifax to have had my information compromised, I have been trying for days to get Equifax to implement a credit freeze without success. The efforts always end in a terse comment that the request can not be done at this time and to try again later.
I do n't imagine anyone attempting to fraudulently use my information to obtain credit is having the same problem. 
Equifax, who has know about this for weeks and surely had time to anticipate the predictable response and adequately prepare the necessary steps to minimize exposure to fraud, has failed miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
There was a hard pull on my credit report from a XXXX XXXX on XXXX XXXX, XXXX. There was no reason for this pull, as I have never heard of this bank or any of its affiliates. My credit report is already in the " below average '' category, and I would have no reason to do any business with this organization. Therefore either XXXX pulled the wrong report, or a fraud has occurred. 

Again, to be clear, I did not authorize in any fashion a pull of my credit report by XXXX or any of its associates/affiliates. Please investigate as to why this inquiry was performed and a hard pull was done on my credit. I am trying to improve my credit, and I would have no reason to do business with this organization as it is clearly out of my league at this juncture. 

My personal information is obviously very important to me, and I need this looked into. 

XXXX regards, 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 non-monetary relief
Consumer complaint received 2017-09-15 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:
Originally filed a complaint in XXXX. Equifax came back and said it belonged to me. I sent documentation to them showing it was not mine. They wanted me to send it to XXXX XXXX instead of taking it off my report. I sent the documentation to XXXX XXXX but The issue has still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX I took a personal check in to finance XXXX XXXX the check was {$2300.00} for a loan on a XXXX XXXX XXXX XXXX wellsfargo had contract on loan found out that XXXX and XXXX say he is XXXX stated they will not give my money back, but I have no car and loan not approve. I called every day to speak with the XXXX but everyone answer said they are busy, but heard XXXX employee said my name to them and said told them you XXXX was not her. I also ask for owner name they stated can not tell me his name. this place does not need to be in business at all. they are not honest at all. please help all I ask for is my money because I have no car are loan. 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 non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. 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
Consumer complaint received 2017-09-15 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: ND

Complaint narrative:
I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.

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 2017-09-15 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: OR

Complaint narrative:
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.

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 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
With my PNC Virtual Wallet account, for some reason my Reoccurring monthly payment on the XXXX of the month to my car loan with PNC did not happen. I had no idea why. I talked on the phone to PNC today after my husband notified me that there was something that popped up on XXXX XXXX. PNC Virtual Wallet costumer service said they did n't know the problem but would transfer me to the car loan department. I paid what was owed with the money that was in the account waiting to be transferred. However, that does n't fix the problem that I never manually decided to not do an XX/XX/XXXXpayment, and then I fell behind. While PNC Virtual Wallet has my correct number, and the car loan from PNC had my number, they were calling an old invalid number to the account to make us aware. Which is also something that I told the car loan department through PNC before to only call my number, when in fact they did n't call my number.
You will see in the documents that my XX/XX/XXXXcalendar from virtual wallet was missing the XXXX reoccurring payment. However, XX/XX/XXXX was n't missing. You will also see where I went ahead and paid current when noticing the problem today over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could  provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: WA

Complaint narrative:
The Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: WA

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 2017-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from RAS LaVrar , LLC, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bison Recovery Group, Inc.
State: TX

Complaint narrative:
I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: MD

Complaint narrative:
Hello : This is in regard to the Equifax Security Breach. I used the impact to my credit feature on their website in order to determine whether I was impacted by the recent security breach.
The results came back as follows : ************************************************************************************************ Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX.
Enroll For more information visit the FAQ page.
******************************************************************************************** My credit is frozen with all three credit agencies. I called Equifax twice ( at XXXX -- their dedicated breach customer service line ). The first time, I was disconnected after a long hold. The second time, I gave up after a long hold.
If my credit was frozen, why do they believe my personal information may have been impacted? According to conventional wisdom, everyone is trying to freeze their credit, but according to Equifax ' assessment of my information from my 'frozen ' credit, freezing your credit will not make you any safer. My intent in contacting them was to confirm my information was impacted ( their wording using the work 'may ' leaves it ambiguous ). And, to learn why they believe it was impacted if my credit was frozen.

Company response to consumer: Closed with explanation