vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: GA

Complaint narrative:
With the Equifax problems I went on line and I do n't think it was the correct link. I put in my info I think I got a verification code and it said a PDF file could not be opened to verify my freezing my credit. Some thing was blocking the adobe PDF, but if I could n't open it they had a number to call. The line is always busy.XXXX I do n't remember the link.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: OH

Complaint narrative:
Equifax reports that I 'm affected by the 2017 Equifax data breach. I applied onXX/XX/XXXX & was enrolled on XX/XX/XXXX except that I 'm not enrolled?!?
Equifax 's subsidiary, trustedid.com, handles enrollments to TrustedID Premier. On Wednesday the XXXX an Equifax customer service representative said that trustedid.com somehow had my birthdate wrong ( though Equifax had it right ). On Thursday the XXXX, an Equifax CS representative said that trustedid.com now had no record of me at all.
Equifax says that I 'm already enrolled in TrustedID Premium. But trustedid.com says " The information you entered does not match our records. Please try again. '' The Equifax CS representatives said that they ca n't fix the problem. Equifax has abandoned me and their obligation to me.
I 've had to war-dial in order to get any ring, then was put into an answer queue for 57 minutes without getting to speak to anyone.
I 've been given XXXX for an NIC escallation team but it actually connects to Equifax marketing. I 've been given XXXX for Equifax enrollment troubleshooting but they said they could n't help and hung up.
XXXX wants {$5.00} to freeze my credit.
I have n't been able to contact XXXX at all.
This is all outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.

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 2017-09-16 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: PA

Complaint narrative:
As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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 mine, my spouses, and my children 's 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 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
When card holders of Capital One US Credit cards make payments to the account they must do so by XXXX EST. Other financial institutions allow you until XXXX EST. Each time that the payment is made after XXXX you get a {$37.00} late fee and hurt your chances of improving your credit with and increase ( I am trying to remodel my home and was going to ask for an increase ) even when you you make the payment on the due date just after XXXX EST. When you call capital one to talk with them about this, you will get told that is their policy and there is never anyone there to give the information to that would maybe pass the idea along to catch of with the reset of the industry. I have made multiple calls to the but clearly it never goes anywhere. 

I am very responsible and I am a XXXX XXXX XXXX who has been working 7 days a week for 12hrs a day because of the recent hurricanes and when i called them after work at XXXX on XXXX to try and XXXX XXXX the money tonight so i would not be late, i was told that any payment weather XXXX XXXX or through my account, would be considered late after XXXX EST. I have made the payment a few years ago at a XXXX union after XXXX and it was n't late, that has now changed. Why are they making it harder to make payments and punish the consumer for trying to make a payment on the day it is due. 

If you are in PST ( CA, OR, WA ) you only have until XXXX your time. Why is this even a thing? This is XXXX, something needs to change. I am sure if this is happening to me its happening to more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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:
When I attempted to place a credit report freeze on my account, Equifax WARNED the PIN they would send MUST be used to access ( unlock ) my credit report. 
Their transmittal : Could'nt open PDF So now my account is frozen, and I NEVER received a PIN to unlock it. 

I am dissatisfied to accept Equifax 's offer of one year credit monitoring as I read it is BUNDLED ( in the fine print ) to an arbitration clause. Anyone with a brain understands arbitration is a FRAUD perpetrated against consumers. Which you seem fine with. Tells where your paychecks are REALLY coming from. 

Attempting to place a credit report freeze at XXXX  has been IMPOSSIBLE. 
Online, they as much as call me a liar and refuse to allow a freeze. They then recommend I call XXXX XXXX XXXX XXXX to speak with an agent who will pace a freeze. 
Great. Until you realize they will NEVER answer. I have made multiple attempts, given my SSN, zip code and street address number to their XXXX robot answering machine and then am dumped into a ( never answered ) cue. 

MY data was stolen. Now this breach is being compounded by the relevant credit reporting bureau 's REFUSAL to allow safeguards to be emplaced. 
Please save this communication for referral should litigation become necessary. 

XXXX, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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:
All four major credit bureaus XXXX, XXXX, XXXX and XXXX have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is making it difficult for us to place a credit freeze or obtain a credit report. 
It is impossible to place a credit freeze or get a free credit report on-line or by phone. 
They accept only snail mail and want a certified letter, along with a copy of a driver 's license/government issued ID and a bank bill. 
When trying to get the credit report by phone, we are told to " stay on the line '', then they do not respond. There on-line app similarly just states they ca n't provide it. 
We have not experienced a similar problem with XXXX or XXXX 

Is this not a violation of the law? Or are they hiding a problem with their security?

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 2017-09-16 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: Innovis
State: IL

Complaint narrative:
All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unverified items ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON IT

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 2017-09-16 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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:
This is regarding the Equifax data breach, they have failed to protect sensitive information and exposed every aspect of mine and my families life. This is disgusting, they should be shut down, why are they still allowed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Customer Advocate Services Team, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, UT Subject : American Express Plenti Credit card Account Ending in XXXX - Alleged Discrimination - Customer Service Experience I called XXXX XXXX XXXX PCT XXXX regarding address changed above card answered name called Supervisor XXXX ( Customer Service Center in FL ) treated me so unprofessional. I felt she treated me as Discrimination due to way I talk. She said ARE YOU TALKING ENGLISH OR WHAT? I CAN NOT UNDERSTAND YOUR ENGLISH Please review my call and verify how about customer service. I am customer since XXXX and she never treated me as a valued customer. 
This is a second complain I made this month regarding your customer service and Please dont treat different ways for customers Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined. 

I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency. 

Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.

Company response to consumer: Closed with explanation