vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was locked out of my TD Account online and was unable to pay them. I tried calling to resolve several times and was not successful. After I finally was able to pay them, they dinged my credit report for late payment. I had commitments over the phone that they would not report to credit agencies. When they did, I called them and they removed the inaccurate information. A while latter, it showed up again. I have paid the bill and closed the account but this negative mark on my credit has affected my ability to buy a car and get a mortgage costing my many thousands of dollars. The original charge was {$37.00} by the way. In summary, I was prevented from paying due to their technology, they assured me they were n't going to report to the credit agencies, they did anyway, they rescinded due to their error, and then put it back on again. This is an error. I pay my bills on time and I deserve to have a credit score that reflects that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I attempted to go to the Equifax site per their provided link to see if I was affected by the credit breach on XXXX XXXX, 2017. When using the website, it was supposed to tell you if you were compromised or not and then give you the option to opt-in to their ID theft protection. It did not give my any such option to opt into the XXXX XXXX XXXX. It just automatically opted me in even though I was only requesting to see through the site if I was potentially affected by the breach. Speaking to the rep on the phone later that morning, she told me I was already enrolled, even though I never consented.
Bottom line, they enrolled me in something that I did not consent to and also did n't tell comsumers about the breach until a month later, resulting in me paying for credit freeze. These fees should have been waived, especially since Equifax is at fault with the lack of security measures. And now the affect to my credit will be affected forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.

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 2017-09-08 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: CT

Complaint narrative:
I found out today, XX/XX/XXXX, that my credit and social security number may have been compromised during a data breach at Equifax that occurred on XX/XX/XXXX. Not only did they NOT let consumers know of this breach until yesterday, XX/XX/XXXX, they advertised a site that they set up where we could check if our data was breached and sign up for a protection service.
I went to this website, www.equifaxsecurity2017.com, and they required that I fill in vulnerable info ( part of my SSN ) and my last name. Then I received a message that my info may have been breached and to come back on a later date to sign up for their credit monitoring service, which would only be free for one year.
They did not let me set it up to automatically protect myself, nor did they concretely tell me if my info was compromised. When I called, they recommended I sign up for their XXXX/mo monitoring service, DESPITE advertising free protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from XX/XX/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 2017-09-08 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Unauthrized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit reporting agency Equifax was hacked on XXXX XXXX, 2017, affecting 143 million credit users in its database. This was not made public until XXXX XXXX, 2017. I believe I was affected because, over the labor day holiday, I was contacted by the provider of my XXXX XXXX card, alerting me to potentially fraudulent purchases totalling more than {$200.00}. At the time, the Equifax hack details were not known and so I was at a loss to figure out how my card was compromised. The card was always in my possession, had only been used at reputable retailers and both my wife and I use wallets that secure against electronic " skimming. '' When I contacted my card provider yesterday they said they would not be informed by Equifax whether or not their breach had anything to do with my information being compromised, but that the card provider thought it likely.
By way of remedy, Equifax has offered only a free monitoring service for one year, run by them. Signing up for this remedy, by their terms of service, would preclude me from seeking any legal remedy, so it is an unacceptable option.
I am writing this complaint not because you do n't already know of the Equifax hack, but to give you a consumer-related reason to pursue remedies on behalf of the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: DISCOVER BANK
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NC

Complaint narrative:
I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consolidated Recovery Group, LLC
State: GA

Complaint narrative:
I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Back in XX/XX/XXXX my account was hacked by someone ordering things from XXXX. They charged over {$1100.00} to my account causing my account to be in the negative. I told Chase bank about this fraudulent charges on my account and sent me to their fraud department. So Chase bank reimburse me back the {$1100.00} dollars and I asked them did I need to pay this back to them or does this belong to the bank. I was told by their representative that it was my money. Fast forward toXX/XX/XXXX I 'm charged back the {$1100.00} which caused me to be negative {$1100.00}. I 've called Chase and they informed me that wish .com put the money back in my account. So I asked Chase bank if Chase paid me and Chase fraud department handled the case then should n't they have got reimburse by XXXX XXXX? How did Chase deposit money that was owed to them into my account? So now they want me to pay off this negative balance that Chase bank wrongly messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax reported that the personal information of over 100 million consumers was compromised in XX/XX/XXXX and was not discovered untilXX/XX/XXXX. They did not release this information until XX/XX/XXXX - more than 6 weeks after the incident was discovered. This left millions of consumers unaware that their sensitive information was compromised by hostile parties. Equifax is offering one year of free credit monitoring and repair service through XXXX, but with one serious and abhorrent exception. After going to Equifax to enroll in XXXX, consumers must wait until XX/XX/XXXX before returning to the website and continuing their enrollment. In addition, Equifax will not send any notification when this is available. Instead the responsibility is shifted to the consumer. I hope this is n't a strategic decision by Equifax in hopes that they can protect their bottom line by betting on consumers not returning on their enrollment date. That would be borderline predatory. If Equifax had 6 weeks to prepare a response, why has n't this free service been worked out? In the words of CEO XXXX XXXX, " Equifax will not be defined by this incident ... but rather how we respond. ''

Company response to consumer: Closed with explanation