vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I received a bill for personal property tax from my previously financed XXXX XXXX XXXX for {$230.00} from XXXX County ( see attached notification from XXXX ). This bill is incorrect, as it was levied based on the car being registered for 7 months ( see attached bill from XXXX County ) -- this is impossible since the plates were transferred from the XXXX XXXX to the new XXXX XXXX XXXX I leased in XX/XX/XXXX. I can provide a copy of the registration for my new XXXX showing this. XXXX County informed me the disposal date with the DMV needs to be updated and/or paperwork filed. 

I was informed by XXXX ( refused to provide her last name for " personal privacy '' ) with Honda Financial Services today, XX/XX/XXXX, that I must pay the full, incorrect amount, wait 2-3 weeks for XXXX/Honda Financial Services to file an abatement, then wait another 8-12 ( " possibly longer '' ) weeks for the state of Virginia to respond and THEN be issued a refund. 

The fact that XXXX paid an incorrect bill is not my fault. The fact that Virginia issued an incorrect bill is not my fault. 

I estimate my actual tax burden to be around {$100.00} ( 25 % or 3 months ' of the full years ' tax ), and I am happy to pay that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I tried to freeze my credit with Equifax and made it through their system on XXXX. Unfortunately, the PDF that displays your PIN to unfreeze the account never loaded properly, therefore I have no way to lift the credit freeze in the future for Equifax. I then tried calling Equifax on multiple occasions where most of the time I could not connect to them and the time that I did I waited on hold for approximately an hour. 

I understand that their systems are jammed with people calling and using their website but I still need my PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services
State: OH

Complaint narrative:
XXXX Services contacted me and threatened to file charges for fraud and that I would be going to jail if I do n't contact them by XXXX. They also contacted my employer and said I was being charged with fraud. Then they contacted my parents and threatened to charge them with fraud along with me if we do n't contact them by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My Data was hacked per Equifax Credit Bureau, I had to go through an indepth process to try and limit further damage. I waited on the phone for long times to accomplish this. The other KEY of this problem is that EQUIFAX WAITED FOR MONTHS to advise THE CONSUMING PUBLIC OF THE BREACH OR HACK OF DATA. 

EQUIFAX HAD A DUTY TO PROTECT CONSUMER DATA, AND THEN IF BREACHED TO ADVISE US IMMEDIATELY, THEY DID NEITHER. SUPPOSEDLY, SOME WITHIN EQUIFAX IN FACT SOLD THEIR STOCK HOLDINGS PRIOR TO TELLING THE PUBLIC OF THE BREACH TO MINIMIZE PERSONAL FINANCIAL LOSS. THIS IN ITSELF IS " CRIMINAL ''. 

I WONT THEM HELD ACCOUNTABLE, I HAVE NO IDEA OF THE DAMAGE DONE UNTIL I START SEEING ACTIVITY. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent outsourcing had my account, from XXXX, for a bill that was incorrect, I disputed them and asked for supporting evidence of this amount they claim I owe, they refused to send it. I disputed and they rejected the dispute XXXX aparantly fired them they do not have my account, they still report on my credit report that I owe them!!! 

I owe nothing

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 2017-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I left school in XX/XX/XXXX. I had been diagnosed with a XXXX XXXX, XXXX and attened for as long as I physically could. Navient has been reporting inaccurate derogatory late payments on my account. I have made several unsuccessful attempts with various agents to get these late payments removed as they are not accurate. I have stayed on top of my forbearances and deferments as I can not afford the stress or the pressure of having to deal with possible late payments or going into default. 

The dates that Navient has reported inaccurately are : XXXX ( XXXX, XXXX and XXXX ) XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX ( XXXX, XXXX and XXXX ) Forbearances and deferments should be for at least a 12 month period and a 6 month grace period after leaving school. In XX/XX/XXXX after leaving school I still should not have been given a late fee until XXXX, although that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Benefit Claim Number : XXXX Card Holder : XXXX XXXX XXXX : Chase XXXX XXXX credit card Summary : Dispute for travel reimbursement for medical emergency Contact : XXXX XXXX My wife, XXXX and I ( XXXX ) purchased flights on XXXX using our credit card number ending -XXXX on XX/XX/XXXX. XXXX completed XXXX school and we were moving from XXXX to XXXX XXXX. Flight and baggage fee total {$190.00}.

On Thursday, XX/XX/XXXX, XXXX XXXX, sustained injury to her XXXX XXXX  XXXX. She was rock-climbing at XXXX XXXX  in XXXX XXXX when she fell off the wall and hurt her XXXX. Ambulance took her to XXXX XXXX Hospital where she underwent XXXX and tests. She sustained incredibly painful XXXX XXXX. Doctors note is included, and she was unable to fly across the country the next day on FridayXX/XX/XXXX because of extreme pain.

Chase XXXX XXXX has travel reimbursement for medical reasons, but they wo n't approve our case. We have filled out all requested information that we can. Chase Claims Benefits requests a doctor complete their Physician 's Statement. We have reached out to XXXX XXXX Hospital several times by phone and email, but billing and administration can not / will not help us. This is the Emergency Room, and they can not get the emergency room doctor to complete the Physician 's Statement. We understand their inability because Emergency Room doctors are very busy saving lives.

Please help us.

Best, XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
about 5 years ago the newly formed church I attend needed a bank to deposit funds for a building fund. One of the members suggested an XXXX account. Everything has been fine until a month ago when the secretary tried to access the funds. The principle signer has XXXX XXXX and we are trying to replace his name with new ones. They are holding our funds XXXX. We have submitted all the paperwork they asked for, talked to XXXX XXXX who claims to be the president of the new owner of XXXX - Capital One. Emails have been passed almost daily and he keeps saying he is investigating. Meanwhile our bill are not being paid, the missionaries we support can not get their funds until we get our money from XXXX/Capital One. We are told everything is online and there is no brick and mortar bank to go to to talk to someone. We need help desperately. We can not hire a lawyer because our money is frozen. Please, please let me hear from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is XXXX XXXX posting payments to my account. The payments are made via online banking via transfers - from a checking or savings account - to my credit card ... and any such payment, no matter the size ( nearly always under {$XXXX} ) takes multiple business days to process. 

In the XXXX century, that would have been reasonable. This is the 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 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to get the free annual report from equifax. Their website is not working. Even though they offered to provide service on the government website - XXXX. 


Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : XXXX XXXX XXXX Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric,  water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download XXXX XXXX Return to Annual Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 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: LA

Complaint narrative:
I have submitted information to Equifax several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to Equifax regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
This complaint is a follow-up to complaint XXXX. 

I have been working with Fedloan for several months now to keep my loans in repayment and Fedloan has been unwilling to help. I work full time and go to law school at night. I have been repaying my loans continuously since XXXX and Fedloan suddenly decided this fall to put my loans in deferment because they were notified that I was a student again. The deferment started several months after I enrolled. I requested that my loans be put back in repayment so that I would continue to be automatically billed each month, with additional amounts directed at the highest interest loans. Because Fedloan moved my loans into deferment without contacting me, additional interest has accrued and payments have not been applied. I have already reached out to Fedloan to have my loans placed back in repayment twice, only to receive an email notification on XXXX/XXXX/XXXX that my loans have been placed back in deferment for a third time without my permission and against my previous requests. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.

Company response to consumer: Closed with explanation