vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, 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 2017-09-11 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 data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, 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 2017-09-11 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: IL

Complaint narrative:
Equifax allowed my data to be taken without my authorization. I confirmed through the Equifax website that I was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted Trans union customer service to remove credit inquiries that were removed and then reinstated. Customer service was unwilling to help and stated this was not the case in my situation. I asked to speak to a supervisor and was told none were available.
I also mentioned that trans union had an account on my record listed as derogatory condition while the other two companies had it listed as paid and closed. This resulted in TU score to be 70 points lower than the other two companies.

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 2017-09-11 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:
First off, I would like to say I do n't every recalling Equifax ( or the other two credit report businesses ) my permission to obtain, retain, and use my information for profit. Secondly, Equifax was negligent is protecting my personal information from people wishing to steal my personal information for their own personal gain and to my detriment.
Equifax ' data breach has forever affected my life - has added unwanted daily worry and concern that the credit rating I have earned by being an outstanding borrower can be tarnished in mere moments anytime someone wants to use my personal information.
I did not ask for this. I did not sign up for this. Equifax allowed this to happen to me, as well as over 100+ million other individuals. They have made no offer to fix this and instead want you to sign up for some credit watching service - free for only 1 year!!!! The rest of my life is affected, and they offer 1 year only. This is shameful and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Paypal credit made a hard inquiry to XXXX recently. I have contacted them to remove this hit to my credit, and I am having issues getting it removed. I have requested no credit line from them in several years. The person I spoke to advised there is no wat for him to remove this. Now, I can only hope to go through XXXX to get it removed, and who knows how long it could take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information. 

XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam. 

I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at Citibank that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with XXXX, I have had a checking account with Citibank over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks 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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I recently received a copy of my TransUnion credit report and saw some inquiries I did not authorize. Following advice from TransUnion, I wrote letters to each of the creditors on the account requesting they provide me with verifiable proof the inquiries were mine and are legal. It is my understanding that the Fair Credit Reporting Act, 15 U.S.C. 1681g gives me the right to review all documents in my account at the time of request that is being reported on my credit report. I also understand if they accounts can not be verified, they should be removed immediately from my report as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Unfortunately, the letters to the creditors are unsuccessful, as have the multiple phone calls I have made to them. None of the creditors replied or provided me with verifiable proof of the inquiries as required by law. I have now asked TransUnion to remove the inquiries, but the TransUnion reps have been very rude to me during my attempts to resolve this matter, including yelling, hanging up, and failing to respond to my questions ( they merely repeat what was previously said ). The failure on their part to protect my credit report has me deeply concerned as to the other information they are not protecting. All I am asking is for them to contact the creditors that initiated the inquiries and have them removed if they can not provide verifiable proof. Since the creditors are not responding to me, I feel TransUnion should do their part in protecting my information and reach out to them. My husband and I are trying to purchase our first home, and the unverified inquiries on my TransUnion reports are affecting my creditworthiness. The following inquiries are unverified and I have provided the dates in question : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX via XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX/XXXX/XXXX Please contact TransUnion to get this matter resolved quickly. If you have any questions regarding this claim, please do not hesitate to contact me via email or USPS mail. I look forward to hearing from you with the matter resolved.

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 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: MO

Complaint narrative:
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
credit pull without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
credit pull without permission

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 2017-09-11 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: MI

Complaint narrative:
Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 2017 SECURITY BREACH SERVICE AND COMMUNICATION PROBLEMS I am part of the Equifax 2017 recent problem where Equifax security was breached. I am having problems getting any action, information or response from the telephone numbers or help numbers that are associated with the debacle. 

The fax number is busy, there are no active Equifax numbers for actual customer support listed in the main web site. 

I want to secure an immediate credit freeze on all my accounts and I ca n't get any of the existing numbers, after excessive hold and wait times to respond. 

Due to the situation, there should have been mail notification to all those affected and automatic steps to secure the accounts. 

I am appalled at the complacent responses to this serious matter and ineffective communication that is being tolerated by the consumer protection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: IL

Complaint narrative:
The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX, 2017, monthly mortgage payment {$980.00}, I received an email from Mr. Cooper who wanted my payment by email and then I called Nationstar Mortgage.
Payment and payments always were payable to Nationstar Mortgage. I was never notified that they changed their name to Mr. Cooper.
I expressed to the representative that anyone with the name of Mr. Cooper can deposit or cash payments. I have 20 years of banking work experience and know that fraud can occur. Also called my bank and other banks to verify that fraud can possibly occur because of the name change to Mr. Cooper and the bank 's response was " yes ''. Mr. Cooper 's representative said I had a wrong mentality and that no one by the name of Mr. Cooper can cash or deposit my mortgage payment payable to Mr. Cooper other than them. I 'm very concerned that my mortgage payments may not be cashed or deposited to a mortgage company. If fraud should happen, how can I prove who and why my mortgage payment was deposited or cashed by someone else by the name of Mr. Cooper? My home is important to me and feel this can lead to a serious problem to me and other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had attempted to close my account with capital one and transfer the assets out. Upon closing I had levied against me a {$75.00} fee. I was not made aware of the transfer fee when I was in the process of closing the account and capital one did not have any avenue to see the fee from their app, which is my primary portal for using their service. Furthermore there was no indication in the app that I was missing any sort of communication from the institution. When I contacted the FI they advised me that there was a lesser fee ( {$15.00} ) but that they would honor that fee because it would require separate paperwork. I was advised that even if I were to submit the correct paperwork that they would still levy the fee - which amounts to nearly 25 % of funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: OK

Complaint narrative:
I have been affected by the equifax security breach. I want to file a consumer finance protection complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
XXXX lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at XXXX that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with Experian, I have had a checking account with XXXX over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks 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