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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, it was reported in major news outlets that Equifax had suffered a massive data breach which exposed some 143 million records to unknown assailants. These records included very sensitive information such as Social Security numbers, credit cards numbers, addresses, and more. In short, the type of information which is essential for performing identity theft. Shortly thereafter, Equifax set up a website called equifaxsecurity2017.com which purportedly let you check if Equifax believed your data had been accessed, and sign up for a identity monitoring service. What they failed to mention in easily noticeable writing was that signing up for that service waived all your rights to a class-action lawsuit. Furthermore, it came to light that Equifax sat on this breach for some time before notifying the public. In the interim, several executives sold approximately {$1.00} million dollars worth of shares. Leaving aside the allegations of insider trading, the fact that Equifax did not  IMMEDIATELY notify all potentially affected consumers is atrocious. They did not, as far as I 'm aware, institute any sort of fraud alert for affected consumers, leaving a wide open window of opportunity for anyone wishing to abuse the stolen data, and leaving millions vulnerable to identity theft. Regardless of whether they should have been spending more on their security infrastructure, their actions in response to this breach have been slow and lacking, to say the least, and potentially criminal.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notified Equifax since XX/XX/XXXX2017 that there were two medical debt accounts reporting on my credit report from XXXX, one in the amount of {$18.00} and another in the amount of {$430.00}. I contacted Equifax and advised them that I do not owe the debt and that the original creditor said they will bill my insurance company. Equifax stated that I needed to dispute the account, I disputed the account and Equifax then responded saying the debt is valid and to contact XXXX. I contacted XXXX that advised me that they were not aware that the account did not have a balance and to contact the original creditor. I contacted the original creditor that stated that they will notify XXXX that I do not owe a balance and to remove the account from my credit file. I then contacted XXXX. XXXX then stated that they received notification from the original creditor that there was no debt and to remove the information from my credit file. I contacted XXXX to request documentation to confirm that they have requested the deletion. I received documentation which I then submitted to Equifax as proof that the information on my credit file is inaccurate and to remove it. Equifax has since denied my request stating that the company has not sent them a request to delete the information from my credit file. I contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Provided ID # XXXX ) that stated that she was a supervisor at Equifax and that Equifax can not remove anything from my credit file and that even though I have submitted proof that the information is inaccurate they do not have the ability to remove it.

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: OH

Complaint narrative:
Last week Equifax improperly handled my wife 's and my own credit reports. They are offering a year of free credit monitoring through their own provider. Most likely our compromised information will come in to play years from now and could potentially effect us for the rest of our lives.

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 failed to safeguard my personal financial and credit information. As a direct result of their inadequate security measures, equiifax allowed hackers to gain access to my information and then they failed to notify me of the issue. Only when announced by the media months later did I learn of Equifax 's massive failure to safeguard my information. 

The Equifax website confirms my personal information was among the data stolen.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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 information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.

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 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had my transmission go out on my car and could n't afford to get it fixed so i cancelled my insurance since the vehicle was XXXX XXXX able. The insurance company did n't record me cancelling my services on the phone call or refused to correct their mistake and are attempting to collect a debt that never should have been a debt to begin with by selling the debt to a collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
no good catergory for this- violates cardholder agreement then demands ( via extortion ) to be paid on entire line.
1- never late on secured line ( upright law was on retainer -and you cant collect ) 2- under advisement of council I was told not to pay 3- refuses to allow me to open another SECURED CARD because of lawyers request. ( wants 12mos, w a normal 6mos review cycle ) 4- refused to reissue card as demanded 90 days ago. I moved and my mail was stolen. several items went missing.
5- refuses to purge account under part 209 of fcra- debt is not only disputed, it is denied in full.
6- law violations can not allow a company to extort ( must pay account or we wont close it ) customers for money. THIS IS SECOND EXTORTION ATTEMPT. TBI has been notified.
so has someone at TN.gov, bill haslams office. problem never resolved.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent Equifax a second letter disputing accounts on my credit report XXXX XXXX, 2017 and requested That they remove all unvalidated accounts from my credit report. I received no documents showing what they used to verify these accounts. Equifax has not or can not verify any of these accounts and has not returned any documentation within the 30 days from the time they received the certified letter.

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: TN

Complaint narrative:
Equifax grossly mishandled their responsibility to protect my sensitive personal information, which has led to a security breach that puts myself and millions of others at potential risk. As if that were n't enough, their handling of the subsequent fallout has been incompetent. I am extremely disappointed with how Equifax has handled reporting this breach. Nothing was done 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 XXXX. The extent of their attempt to address the issue and support those affected was a website where you have to input the last 6 digits of your SSN and your name. Even  then, this website returns random results, like a message when saying I had been affected when I put in " Test '' as a  name and " XXXX '' as an address.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.

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 — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc.
State: MS

Complaint narrative:
Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I contacted Bank of America at XXXX at XXXX XXXX spoke with a customer service representative named XXXX from West Virginia location, and escalated the phone call at XXXX pm EST with a customer service advocate supervisor named XXXX also based in West Virginia. The conversation was regarding my secured credit card recently becoming unsecure. I was told I would not be available to convert my existing credit card to a rewards card. Bank member since XXXX, accounts paid in full every month. I think its unethical with my payment and banking history that I am not eligible for a product change at this time.

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 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I went to my closest chase bank in XXXX NJ to report that there was transaction on my bank account that I did not recognize. This transaction was made for {$290.00} on XXXX XXXX XXXX. I talked to a representative there who told to first contact XXXX XXXXl and then if I could not resolve it, to call the bank in order to open a claim. I did just that. I called XXXX XXXXl and they promised me to refund the money. XXXX XXXX reported that some one named " XXXX XXXX '' had used my bank account and routing number to purchase an XXXX  through XXXX. XXXX confirmed the transaction. I waited about 2 weeks and no refund. I called Chase and I opened a claim. The bank assured me that they will block my account to prevent future events. They also returned the money XXXX while they were investigating. Chase told me that they will send me a letter that I was going to sign and return ( which I never received ). A few days later, the money was taken out of the account ( XXXX XXXX ) without notifying me of anything. 
I called the bank and they told me that they could not do anything about it because 60 days had already passed. But I was never told that when the claim was opened, 60 days already passed since the transaction and they opened the claim anyways and did not notify me that it was not going to proceed. I was told by XXXX the supervisor at Chase over the phone that people were there to open claims but they are not supposed to tell that it is not going to proceed because 60 have passed. 
I asked how they protect my personal information by authorizing a transaction without information that matched my account. THey had no answer for me. I was told that they could not do anything about it. 
Also because it was a High School account that I shared with my daughter there is a limit expenses of XXXX $ no more. So how did this transaction was approved. 
Chase bank does not have answers for me. 
XXXX always very hard to get to speak with someone and one someone answers the phone they says that the claims department is close. pls help XXXX XXXX XXXX account ending XXXX DOB XXXX

Company response to consumer: Closed with 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax 's hacked system compromised my personal identifying information. I 've had to spend countless hours to ensure I am protected since so much of my information was reportedly compromised. Not only does this include educating myself fully of the situation, but also placing freezes on my credit, signing up for credit monitoring, pulling my reports and analyzing anomalies, and many hours learning how to fully protect myself ( and I 'm sure I 'll spend many more hours fighting the inevitable attempts at my identity being used ).

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.

Company response to consumer: Closed with explanation