vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency, using their online too I was listed as one of those whose data was compromised. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XX/XX/XXXXthrough XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Equifax Inc. did not inform those affected in a clear and timely manner, nor have they provided clarity or made effort to rectify their problem. They are placing the onus on those affected to right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an email from Citibank containing an offer to " Earn up to {$700.00} cash '' for " mak [ ing ] a qualifying deposit in a Citibank Savings Plus Account or Citi Savings Account. '' I enrolled in the offer the same day I received the promotional email from Citi on XX/XX/XXXX. I clicked through the link in the email to enroll in the offer. A few days thereafter, I funded the Savings account, precisely for the purposes of meeting the offer 's conditions. I also maintained the required funds through XX/XX/XXXX, as required under the terms of the offer ( again, specifically for the purposes of meeting the offer 's conditions ). I 've tried to resolve this with Citibank Customer Service a few times now, but they continue to claim that I never enrolled in the offer or satisfied its conditions. I would not have gone through all of these precise steps, if it were not for the offer.

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 2017-09-13 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:
This is concerning the recent Equifax data breach. This is a service that I never agreed to - it is nearly impossible to survive as an adult American without a credit report. 

The company was the victim of a breach of most of it 's customers personally identifying information. They appeared to withhold the breach from the public for some time after it occurred. It 's leaders apparently sold stock in between the time of the breach and the public finding out, indicating that they knew and may have conducted insider trading at the expense of 140,000,000 million Americans, or nearly every adult alive who has interacted with the nation 's financial system. 

The service Equifax offered to find out if you were potentially a victim reported to me that my information may have been compromised. 

As a result, I will need some element of identity protection for the rest of my life. I have been advised to freeze my credit. This is small compared to the likely impact on the nation 's financial system and identification systems. 

It is difficult to convey the immense scope and future impact of this company 's criminal negligence in words.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently had contacted the FDIC and they had directed me to the XXXX. Back months ago I had noticed that there was money missing from my bank account. At least {$8000.00} dollars. I looked through all of the deposits and withdraws listed on my bank 's web site. I could not find any indications of money being withdrawn, transferred or otherwise. I called them a few times and requested printed out copies of all transactions. I looked through everything and could not find any amounts that would help pinpoint the missing money. I had spoken to several different people at the bank I deal with and they could not provide me with any answers. I had gotten to the point of a bit of frustration and had not called them in a few months. So basically I was getting nowhere with speaking to them on the phone. What it has seemed is that they can not offer help or assist me with remedying this ongoing issue.

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 2017-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX XXXX, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.

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 2017-09-13 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: TX

Complaint narrative:
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.

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 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Served with papers without notifying me ahead of time in XX/XX/XXXX. And at that time it was all pending because I filed for community care and aspirus had sent me a letter saying that XXXX XXXX   would pay 75 % of the bills that were at alliances collections I thought everything was taken care of and I was just waiting to find out what I was to pay after the 75 % was paid but never heard anything from alliance or aspirus then one day I 'm served with papers to go to court. So I called alliance to try to work things out they said I could n't pay less than XXXX a month I said I could pay XXXX a month because I do have other bills they said no I had to pay XXXX or go to court and every time I call them they are rude and uncaring, I recently called because I was explaining to them why I was short on the last payment and also explained that I am filing malpractice against the doctor who did XXXX on my XXXX  which those are the bills that are at alliance collections, and right away the girl asked me where I was getting the money for an attorney I told her it was none of her business. And now today XX/XX/XXXX I spoke with XXXX explaining that I was going to refinance my mortgage and get extra money to pay this bill at alliance collections off then she proceeded to tell me several times I was behind on my payment by XXXX and that if it is not paid they would take me to court.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I tried speaking with a representative from TransUnion to get some of my credit inquiries removed because I have over XXXX from a car dealer trying to finance me for a vehicle the person was rude to me and said I had to write out all XXXX financial institutions and said I should n't have a problem doing so even though when I was at the dealership I has no idea they ran my credit over XXXX times. Even though I have tried myself to remove them to no avail I can not get them to go away and it is drastically affect 's my credit everything else is tip top shape besides those inquires.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to Equifax, my personal information was accessed by an unknown third party in the security breach that occurred on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you

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 2017-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX Citizens Bank received my money via an ACH debit transaction from XXXX XXXX Bank. Citizens Bank did not disclose to me that they received my money, There are no electronic transactions, emails nor phone calls from them to me at all to show that the money even exists, even to this date ( XXXX ) I then called XXXX XXXX to confirm that the transaction did in fact take placeXXXX XXXX gave me a trace number and the date of the transfer. and also told me that the transaction was in fact accepted and not rejected. I then called Citizens bank again on XXXX XXXX, XXXX, and several other times i was told : 1 ) on ( 3 ) different calls that there was a paper check issued for the balance after the debt to citizens was resolved and i should recieve it in 2 to 3 business days 2 ) on 2 different calls i was told there was an electronic transfer that was going to take place with in 2 to 5 days and it has now be 7 the last call ( XXXX XXXX, XXXX ) made to Citizens bank complaint department regarding the entire situation from start to finish only to be rudely dismissed as though my complaint and money do not matter. Citizens Bank has still not given me my funds, as a result of this ridiculous hold, i have now lost my vehicle in XXXX. Had my Car insurance cancelled for non payment. My Credit card which was opened to build credit is now late for the 1st time in 18 months of perfect payment history. and my landlord because i was unable to pay money promised to him for back rent owed is now threatening to evict me. Citizens Bank is aware of all of these details and promised to expedite the process and has not given me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that Equifax is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever.
Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 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:
All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.

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 2017-09-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.

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 2017-09-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.

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 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied ( straight applied ) for the capital one card. Was approved after they asked me to send my information twice. Sent the card. I tried to activate it. Would n't let me. They said it was fraudulently opened and a code was used but I did n't use XXXX. XXXX was supposed to call me back and did n't. I filed a complaint with the XXXX and XXXX called me and got information from me. I told her if they were not going to keep it open then can they remove the inquiry ( just out of good customer service ) and remove the account completely because it was never opened even though it is showing as opened now. It is showing as an account and is messing up my account age on my credit report, which it brought it down. I understand the was some kind of glitch which is not my fault. They verified who I was multiple times on the phone even after I received my card. I do t even want the account anymore. I just want the to remove the account off of my credit report completely and remove the inquiry ( just for the long drawn problem that I had in dealing with this. ) XXXX never called me a week later. I ended up finally receiving a letter XXXX weeks later and I called her and XXXX said there 's nothing she can do. But when I initially spoke with her she said if they closed it, she would remove the inquiry and account from credit report. 

I 've already closed my checking account with them as well due to this. I refuse to be a consumer with them now and in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for

Company response to consumer: Closed with explanation