vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 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.

Complaint narrative:
Hi, I have received an email from Equifax stating that my personal information was hacked. this is the comments " XXXX XXXX Americans have had their personal and financial information compromised by hackers in a data breach at Equifax, XXXX of the country 's largest credit reporting bureaus " ..They provided a link where you can check if you was affected, which I did. 
XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I did went to the website or link and entered the information requested : Last name and last XXXX digit of my SS # and after that said '' Thank You. Based on the information provided, we believe that your personal information may have been impacted by this incident.Click the button below to continue your enrollment in TrustedID XXXX. 
Enroll For more information visit the XXXX page. " Which I did. However, I am really worry that this data breach can be worst than I expected. Also, I do not for how long they will provide the TrustedID XXXX assistance which is not clear ... and I doubt it that they will provide the service or insurance for more than a year. Thanks and regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: FL

Complaint narrative:
XXXX - Navient My original school was sometime around XXXX XXXX with XXXX XXXX. After I graduated in XXXX, I had a hard time repaying the loans because I was not yet working and then I applied for a deferment. After a while I started paying again and then had to apply for a forbearance. Fast forward a couple of years, I applied for a consolidation over the phone and was granted the consolidation. The only problem was that there were 4 choices for repayment plans but no one asked me which one I preferred. They chose for me to do 4 years of interest first. I learned a few years after that there were 3 other choices and among these choices there was a " 10 year standard payment plan '' that was more appealing with more advantages. 

On XXXX XXXX, XXXX, I received and email from XXXX letting me know that as of XXXX XXXX, XXXX, Navient would be my loan servicer, I had never had a conversation with XXXX prior to that notice that they would be selling my loans to another company. My assumption is that since I was paying my loans every month and even paying extra ( thinking that the extra would go towards my principal ), I was an easy target for XXXX. Why would a company buy someone 's loan who was not actually making payments on that actual loan. 

I have requested of copy of my records from when I signed for my loan with XXXX to now. They do n't seem to be able to give me a copy of where I signed saying I agreed to the terms of repayments. They also do n't have any record of me signing any paper work saying I agreed to XXXX about selling my loan to Navient. 

As of now, I have already paid 30k+ off of my student loan of XXXX but curiously as of today XXXX/XXXX/XXXX I owe exactly {$61000.00} on that loan. Supposedly I finished my 4 years of interest only payments but my payments went up for next month. 

Please know that my intentions or not to try to not pay my school loans. I just want them to be fair. When I signed for my loans I knew I would have to pay them back. My original loan was about 37K but after I did the forbearance and deferment they went up to XXXX which means that the interests are all in there. I did not get a loan to buy a car or a house. This was an education loan. How are we supposed to decently contribute to society when the service providers are only out to make a buck no matter how they XXXX the clients?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 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 2017-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
GE Capital Retail Bank approved a fraud online application for one of their Dentist office and it was approved online. 
GE/CRB set me up with an account ending in XXXX. 
They charged my bank account for porcelain teeth for two people. 
After contacting them, GE sent me a letter stating I had been frauded. 
Since then I have continued to get the run around by phone to get my money back. 
The GE fraud & customer service keeps sending me back to each other. 
They are asking me questions I do n't know.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.

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 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was trying to open the Citi XXXX checking account for the last 10 days. 
XXXX XXXX XXXX. Completed online application, went thru verification process, setup the initial deposit money and everything done successfully. 

Citi has a usual habit or pattern of making simple things complex. Moreover Citi has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. Just because they are issuing me the check book and in the name of customer security - they asked me to send the signature card. Which i send it successfully using the online fax last week. But once they are asking me to do the same. This is ridiculously waste of time, resources and money. 

When i called upon the phone # in the email : XXXX. It has the XXXX based system which expects that customer has their account number ready. As my account is not open till now - how i can provide my account number? They have alternative way of verifying the customer like last XXXX of XXXX but that option is also not working. 

For my spouse XXXX XXXX - similar kind of stuff happened and finally she gave up.

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 2017-09-12 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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: AL

Complaint narrative:
Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12 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: P.M.B. Inc. dba Twin Tier Mortgage
State: WI

Complaint narrative:
In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.

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 2017-09-12 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: VA

Complaint narrative:
Data breach of 2017 for Equifax left millions of people in risk of identity theft. I was one of those consumers and I just wanted to create a trail of things in lieu of that. I am filing a complaint because Equifax negligently had their systems hacked and has leaked my information to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Focus Holding Company
State: CT

Complaint narrative:
At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the Chase branch in XXXX in XXXX XXXX in Florida to sign up for XXXX credit cards. XXXX business credit card XXXX Chase XXXX XXXX XXXX and XXXX personal card XXXX Chase XXXX XXXX XXXX. Promotion said that in order to get XXXX points for the business card and XXXX points on the personal card I need to apply in the branch. So I did. 

I applied with the branch representative first for the business card and while she was typing in the data for the business application I was asking about the personal application too. She told me that as long as I apply in the branch, that I will get XXXX points offer. I asked how the process for that goes and she said that I can either wait for her to finish so she can take the second application or that I can start the application online and she will make sure it goes to the proper channels so I get the bonus. 

I got approved for the business card and got my XXXX points but I did not get XXXX points on my personal card. Explanation chase gave me about this ( 3 months later by the way ) is that my application although done in the branch was supposed to be initiated in the branch in a special way, something that the banker who took my card application did not do. 

I tried to talk to the Chase marketing department about this but they refused to honor the promotion. 

I have XXXX credit pulls at the same time on the same day done by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: VA

Complaint narrative:
Equifax has and continues to mishandle the personal identifying information ( PII ) of millions of citizens, including myself. This has put us all at risk of identity theft like never before. Equifax knew about the data breach for over a month before notifying the public. To protect our identities, we now must pay the credit bureaus to freeze and unfreeze our credit as needed. This is the new normal. As a final example of Equifax 's incompetence, the PIN Equifax creates to freeze credit is a time stamp, which is vulnerable to hacking, instead of a randomized PIN. Even then, the PIN can be changed using the same PII that was stolen in the data breach. 

If that all was not enough, three of Equifax executives may be guilty of insider trading, since these executives sold almost {$2.00} million in stock after the data breach was detected and before notifying the public. 

Equifax 's actions has cost us time, money, and peace of mind. Please take quick and decisive action to ensure citizens are compensated for Equifax 's negligence and that standards are changed and enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Asset Management Systems Inc
State: MN

Complaint narrative:
Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.

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