vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have  sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I contacted Chase on 2 occassions by phone, requesting them not to send me any more 0 % Balance Transfer offers and checks by mail. They said they would stop and 2 weeks later, they send me some more junk mail. This company wont stop inspite of emails and phone calls to them to stop.

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:
On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. 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 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS

Complaint narrative:
XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is burying their credit freeze to sell their own credit monitoring product XXXX.
I noticed something had changed on the TransUnion website about freezing credit this morning when I was giving links to family so they could freeze theirs.
I froze my credit the day after news about the XXXX breach broke, and it looks like TransUnion has since changed their site to push people away from freezing their credit in favor for their own product called XXXX ( like what XXXX was doing with their XXXX XXXX. ) The FTC website links to this page ( http : //www.transunion.com/freeze ) for freezing your credit with TransUnion.
This is what the website looked before the changes were made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The instructions on placing a credit freeze were clear and there was no mention of their own XXXX product.
If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in XXXX '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in XXXX '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page ( https : //www.transunion.com/credit-freeze/place-credit-freeze2 ) that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit ( https : //freeze.transunion.com ).
This is such a blatant attempt by TransUnion to take advantage of the XXXX breach for their own financial gain. It 's awful thing for TransUnion to do, and people should be aware that they are being led away from putting an actual credit freeze on their account.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NE

Complaint narrative:
I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.

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 — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked

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 2017-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TCF NATIONAL BANK
State: CT

Complaint narrative:
I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up

Company public response: Company believes it acted appropriately as authorized by contract or law
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: VA

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Equifax Data breach.

Equifax seems to discourage us getting their credit monitoring help to victims. They have made it hard to use the help.

I believe when you pay for the service they send you a welcome email but with free service to breach victims, they do not even send an email.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I want to apply a XXXX Freeze to my Trans Union Credit report. I have been trying for two days to call several numbers to reach the company, spending several minutes to navigate their menu systems, reaching the correct queue, only to be hung up on by the automated system and receiving a fast-busy tone. Calling their support does the same. The system status message says everything is working, and there is no indication of issues on their website. I have no options to contact the company to apply a freeze. With the current risk from the XXXX data theft, this is completely unacceptable.

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: KS

Complaint narrative:
I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .

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: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.

Company response to consumer: Closed with 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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX. in XXXX Illinois keeps reporting this account to the credit bureau. It has been removed once and has now reappeared on my credit bureau. Please remove this from the bureau. 

This is a medical bill that they collected the co-pay for and informed me that the XXXX was covered by my insurance. Now they are coming back trying to collect an additional XXXX. 

I do not owe this amount.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.

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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My name is XXXX XXXX. I am a small business owner and my account for that business was housed with the financial institution known as, Huntington National XXXX. InXX/XX/XXXX an employee of the business I ran had access to multiple checks and account information. She used these checks, and corresponding account information to steal from the business and myself. {$2700.00} was the amount taken in a 40 day timeframe. I inquired and informed my local Huntington Branch the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio. Now when this conversation happened, two things should have happened in tandem with one another immediately. 
1. Stop payments on the checks I informed the branch that I was missing 2. Account Closure. 
Neither of these required responses occurred. Instead the account continued to overdraft, expand upon the fees being allocated to my account, and eventually reported my overdrawn account to check systems as a " closed with a negative balance '' account. 
I filed a police report, I have a signed document that possess a notary stamp verifying that I swore to the fact and indemnify myself of these charges, I also attested this information to the Huntington Fraud Department. I have done everything they have requested, and instead of supporting me, a small business owner who had fraud occur on his account, through no fault or inaction of his own, they decide to tell me multiple times. They are busy. This gross negligence is unacceptable. I would simply like the fees removed, my case resolved, and the check systems report to disappear. In essence, I want Huntington to do their job.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation