vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: ND

Complaint narrative:
My ex-wife and I had a charged off account that didnt get taken care of in our divorce. I found on my credit report that I had a charge-off account with XXXX XXXX XXXX XXXX XXXX. The amount was around XXXX. I called XXXX to make payments and they referred me to their debt collector that was holding the Debt. SARMA Collections Inc. They advised me the total amount with fees to bring current would be XXXX. I made a payment XX/XX/XXXX for XXXX. I made another payment XX/XX/XXXX for XXXX and a final payment of XXXX on XX/XX/XXXX. I received in the mail a pay off letter from Sarma showing debt paid in full. My ex-wife was advised by XXXX that we still owed them, not Sarma an additional XXXX and they requested a payment be made to them on this same account, even though they no longer were holding the debt. XXXX is refusing to refund the amount of XXXX to us, as this would be an over payment, plus we already received a pay off letter from the debt collector. After reviewing Texas Law regarding Debt collection they appear to be in violation being of failing to give information on regards to actuall who holds the debt, over-charging, and presenting false information regarding balances as XXXX in the collections department will not tell me the total amount XXXX that was charged-off. I spoke with him twice today XX/XX/XXXX at XXXX and again at XXXX the same day. I asked him why they would accept a payment from us if they do n't hold the debt? He said he is allowed to take payments from the consumer even if the account was deferred to a debt collection agency. I said they are double charging us. He would not contact SARMA with me on the line to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 used Equifax 's product TrustID at XXXX XXXX XXXX to determine if I was affected by the data breach at Equifax. After entering in my information I was initially told that I " may have been impacted by this incident ''. However I then tried a credit check on several completely fabricated individuals ( with fake last names like " XXXX '' and " XXXX '' XXXX and still received the same message that these fake people " may have been impacted by this incident ''. This is flagrant misconduct and improper reporting by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports 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 2017-09-11 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:
I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
After the Equifax data breach, the company waited over a month to send out a press release ( and during this time period three major figures in the company sold a significant portion of their stakes in the company, which is ethically questionable ). Equifax did not contact me directly, so I had to find out about the data breach via word of mouth. Their website did not clearly direct me to their SEPARATE website ) ( equifaxsecurity2017.com ) where I could check if I my personal data breached. 

When I finally inserted my information into their new website to find out if it had been compromised, the site said it likely was and only offered one year of credit monitoring with their product TrustedID. I am still waiting for my given sign up date to enroll in credit monitoring, and there is a lot of unclear messaging about whether enrolling in TrustedID would mean that I can not participate in a class action suit against TrustedID. For now, they only reassure consumers that enrolling in TrustedID will not prevent us from participating in a class action suit against Equifax for the breach. 

I now have very little trust in this complementary credit monitoring product ; if Equifax could be affected by such a severe data breach, surely its TrustedID product similarly might be victim to such a cyber attack. Moreover, why is it only offered for a year? They should offer complementary monitoring for as long as we still have the same social security number ( i.e. indefinitely ). 

I hope there is a proper government investigation into the company 's leadership regarding their response before making this public and also how they have failed to properly protect their consumers afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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:
My personal information was not properly or reasonably protected by Equifax and was subject to the recent data breach they are involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, the bank would then close the credit cards and afford a reduced interest, in order to pay off the balance. Three weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two XXXX XXXX cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help. Since that phone call, and to no avail, I have attempted to contact the bank or someone that could assist in reducing the interest, as stated by your agents, in order to pay off of the two credit cards, to no avail. 
The bank has committed unfair deceptive acts and practices and failed to respond in good faith and promptness to a XXXX XXXX letter sent previously " See Attachment ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: WI

Complaint narrative:
The credit reporting agency Equifax was recently hacked by unknown persons. During this attack, personal information about myself, and many others, was obtained and is now in the hands of people who should not have it. Names, dates of birth, SSN,  addresses, and drivers licenses were all things that were collected. 

Equifax did not alert the public about this issue in a timely manner which has opened me up to becoming a victim of identity theft. 

There is nothing Equifax can do to " fix '' this situation because there is no changing my personal information. For the rest of my life, I will not have to monitor my credit even more closely to ensure that someone does not destroy my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 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 2017-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I 've tried on numerous occasions ( XXXX ) to lower my payment plan with Navient, which I was advised would be {$250.00} per month. Since my Federal loans were placed on an IBR plan, which equals out to {$0.00} a month, I tried to do the same with my private loans ( Navient ) but I was told that I cant do so, by the customer service rep I spoke to. She also advised me that she audited my assets along with my co-signer ( my mother ) and that I should be able to actually pay my loan in full since my mother owns her house, that alone sounds ridiculous. I was also told if I stop making payments Navient will garnish my wages, which is n't much, along with my mothers XXXX wages. Being that my mother is on XXXX XXXX XXXX, she was advised that all her student loan debt was dissolved and also reimbursed for the payments that were made during the time she was on XXXX, so by law shes not responsible for my debt even though she co-signed. That was honored for my Fed loans -Dept of Education XXXX but not Navient. I explained that to the customer service rep and she was combative and would n't budge. Since Navient is currently in litigation for the fraudulent acts towards borrowers and misleading us, I want to know if anything can be done on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX will not up date my account XXXX XXXX account to paid and XXXX  balance. I paid This account off.

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 2017-09-11 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: TX

Complaint narrative:
XXXX will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

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 2017-09-11 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: Berman & Rabin, P.A.
State: MA

Complaint narrative:
threatened me with a lawsuit if I did not pay a fraudulent debt they claim I owe. I do not owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: ID

Complaint narrative:
Please see our 3 previous complaints filed on this case, XXXX, XXXX, XXXX. After withdrawing from bankruptcy, we applied for a modification with Nationstar. We thought everything was worked out and that we could start making payments again. We left our home for the winter before Nationstar could get the modification paperwork to us. Even though the modification was not signed, we made payments as scheduled in XXXX, XXXX, XXXX, and XXXX of XXXX as well as XXXX of XXXX. When the paperwork finally reached us, we were in XXXX for the winter. We took the paperwork to a notary to sign it and have it notarized. The notary told us that he could not notarize it since the property was located in XXXX. We immediately called Nationstar and they told us that that was not a problem and that we could sign and notarize the paperwork when we returned to XXXX in the spring. In late XXXX XXXX Nationstar called us and told us that they would no longer accept our payments because the paperwork had not been signed and notarized. However, they kept the previous 5 payments we had made, a total of about {$5000.00}. As soon as we returned to XXXX, we contacted Nationstar in an effort to get the modification in place and resume payments. We have submitted the modification paperwork but have not heard back. Meanwhile a law firm, XXXX, sent us another modification application as well as a foreclosure notification. At this point, we are not even sure who we are to be dealing with. We assume that it is Nationstar. We expect to hear back from Nationstar within about 30 days on the modification. We need someone in your office to stick with us on this case until it is resolved. Every time we call Nationstar, which is often, we talk to a different person who has no idea what is going on in this case. If we could sit down in a room with a representative of Nationstar and an arbitrator we could solve this problem in 10 minutes. We want to keep our house but we are getting tired of fighting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company attempted to collect a debt that is not owed to them, furthermore, they are in violation per the HIPPA laws. On XXXX XXXX, 2017 I sent the company a letter requesting validation that I have a contract with them and I have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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 with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XXXX, I was also approved for the Income Based  Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at transunion she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies Transunion, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california

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 2017-09-11 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: MO

Complaint narrative:
I can not access my credit report because it is confusing me with my twin brother. transunion, XXXX, and XXXX have not helped me at all.

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 2017-09-11 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:
Massive security breach from Equifax has leaked all of my personal details. This is an absolute risk to myself and all others who were victims. Their negligence and extremely un-timely alert leaves a huge amount of risk still.

Company response to consumer: Closed with explanation