vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
I requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.

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 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Back in XXXX transunion had a issue where all inquiries where deleted off of multiple accounts and then put back on to peoples credit, well by law section 6 11 of the Fair Credit Reporting acts it states that if anything is deleted off of your credit and then reinserted to that the persons credit they are reapplying that to be sent A letter with a 5 day notification of reinsert, I did not receive a letter or notification of this and some of these inquiries do not even belong to me. I would like for them to be deleted. I have contacted transunion directly with no answer! 

Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry :XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : 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 2017-09-14 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:
Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX 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 2017-09-14 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: NC

Complaint narrative:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information Equifax - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: NC

Complaint narrative:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!

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 2017-09-14 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: WA

Complaint narrative:
This is a concerned citizen of the US blazing mad about the Equifax breach and the potential of identity theft. How will I and millions of others be protected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CO

Complaint narrative:
My information was apparently compromised in the Equifax hack. Now, there is no way for me to freeze my credit to prevent identity theft because their phones and their website are down. I need my credit frozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I successfully placed a security freeze on my XXXX and TransUnion accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX  announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX XXXX, XXXX, I successfully placed a security freeze on my XXXX and XXXX  accounts. After 3 attempts I froze my Experian account ( XXXX XXXX, XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

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 2017-09-14 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:
I was a victim of Equifax 2017 security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I opened a credit card with Bank of America XXXX XXXX, XXXX. I had an active auto pay with Bank of America on another card. 
I requested to have auto pay added to my card on XXXX XXXX, XXXX, submitted the form by mail, BofA did not process this, I requested another auto pay form on XXXX XXXX, and kept fax confirmation after sending it to XXXX. 
I called back after receiving my statement in XXXX not showing active auto pay, so I submitted a third auto pay form on XXXX XXXX. 
Bank of America sent a letter acknowledging receipt of the auto pay and successful processing on XXXX XXXX, then failed to process my payments for XXXX XXXX and XXXX XXXX, then reported me as 30 days late. I 've tried to resolve this directly with BofA to no resolution.

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 monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This debt is over seven years old and has been paid. I tried to contact the company to report that this has been paid.

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 2017-09-14 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:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

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 2017-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: AP

Complaint narrative:
Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. 

Please have them send me an updated credit report once removed to the below address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 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: ID

Complaint narrative:
The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.

Company response to consumer: Closed with explanation