vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-09 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.

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

Complaint narrative:
XXXX XXXX  is reporting that I was late 120 day I was in deferment i should not be reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

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

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.

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

Complaint narrative:
EQUIFAX ( 1 ) Glad CFPB is here ( 2 ) Problem : Media reports of massive data theft, ~ XX/XX/XXXX of EQUIFAX No notification by company.
As advised in media, went to company website. 

Complaint is EQUIFAX poor, arrogant, confusing response : -needed 6 digits of social -received annoying message ( below ) and still unsure what to do. 
-burden needs to be on EQUIFAX , not me, to fix its problems. 

Previously limited contact with EQUIFAX and others in this industry. ( My credit is good. ) But even on those limited occasions, I found this industry to be arrogant and quite able to find all kinds of excuses to not release 'free credit report ' or 100 % of information or freeze credit or otherwise comply with guidelines. 

URGE : -Breakup of EQUIFAX and others. 
-Regulation ( yes, I think government can be force for good ) of entire industry. Just one example, option for EVERYONE to freeze their credit by default with NO charge, NO delay, nonsense. ( Better : opt out of all information collection period. ) -Criminal prosecution of INDIVIDUALS at EQUIFAX .
Thank you very much. 



=========== " Thank You Your enrollment date for XXXX XXXX is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to XXXX and click the link to continue through the enrollment process. 

For more information visit the FAQ page '' ============

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17. 

I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.

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

Complaint narrative:
Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.

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

Complaint narrative:
i am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
In XXXX XXXX, Equifax revealed that 143 million individuals had their personal identifying information hacked from mid-May to XXXX. After waiting nearly three months, the hack was revealed to the public. Despite offering a website that allows individuals to determine if their own information was compromised, it now appears that this website does not provide accurate information, instead producing randomly generated answers. For example, entering obvious bogus information such as " Name, XXXX '' gives a prompt that your information may have been compromised. Additionally, Equifax is not-so-subtly guiding users to sign up for free year of credit monitoring ( which requires a phone call to cancel the $ XXXX service after the year is up ) while agreeing to terms and conditions that potentially infringe upon affected consumers ' ability to file lawsuits ( both individually and as a class ). Consumers are being advised to use our free annual reports to verify our current records and dispute any incorrect information ( essentially using up our free report for Equifax 's screw-up ). Will we not be forced to potentially pay for our reports down the road if our identity see if it is indeed stolen? Should Equifax not be compelled to cover these costs and eventualities? Furthermore, most consumers are being advised to add fraud alerts to our credit reports at a minimum. Ideally, consumers should put freezes on all their reports, but that costs money. Again, should n't Equifax be responsible for these costs since this debacle is their making? 

At this point, 143 million consumers have no idea who has their information and how it will be used. Equifax 's process for helping consumers determine if their PII has been compromised is of dubious utility at best. Equifax should be held responsible and correct their massive mistake. We all understand this is all developing very fast, but it seems to me that the priority should be to make these 143 million potential identity-theft victims whole again, however long that may take.

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

Complaint narrative:
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX Equifax and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX  Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXXDate Inquiry Date XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX XXXX  -Date Added-XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX   Date Added- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXXXXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX

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

Complaint narrative:
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX XXXX and Experian reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date -XX/XX/XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry Date-XX/XX/XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX I -Date Added-XX/XX/XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry Date-XX/XX/XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXX XXXX- Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX/XX/XX/XXXX XXXX -Inquiry Added Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2017-09-09 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: HI

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
Equifax had profits of over {$130.00} million dollars last  year. The lack of security and the time-frame that they used to alert me is unacceptable. They are offering me a year of credit monitoring, however, I have to go through their hoops. When my data is breached like this, they should come to me with a solution, not the other way around. This organization should have no business monitoring my credit.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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

Complaint narrative:
Experian data breach. call center unreachable. 134 million people affected and 2,000 call takers. numbers do n't match. web site unresponsive. information only available thru media. ca n't institute a credit report lock. web site only interested in selling additional products.

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 2017-09-09 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: AZ

Complaint narrative:
XXXX mishandled my information which has led to an informational breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

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