vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I was part of the XXXX credit information hack. I find it unacceptable that I have to call/write each credit bureau individually and pay to freeze ( and again to unfreeze ) my credit file. Some states ( not mine ) appear to agree with me ( {$0.00} to add/remove a freeze ). 

When an incident like the XXXX hack happens, the burden of protecting my credit is on me. It should n't be cumbersome to do so. 

In my opinion, Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information. 

Thank you for taking time to read my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Am I correct that I am required to pay for a freeze on my credit for Experian and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.

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: IL

Complaint narrative:
Equifax improperly stored my financial information. Their negligence has lead to the release of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
this is a continued complaint against my Mortgage company. Wells Fargo. I believe that they have committed fraud in the way that they have handled modifications, forebearances and repayment plans Along with the way they handle foreclosures. I was looking on my states government web site. which states that I was supposed to be given a subpeana with the foreclosure sale along with a date to respond to the court with a complaint. I was never given such an item. I would like an opportunity for the court to hear my side, and to evaluate any illegal practices committed by Wells Fargo. In addition to my previous request for written proof of allowed modifications, forebearances, and re payment plans. I am now asking for proof that I was served with the subpeana for the foreclosure. Had I received such an item I would have responded to the court. I am also asking again to be considered for a proper modification, forebearance, or re finance of my mortgage loan. I also am still requesting a copy of the phone call placed on XXXX XXXX XXXX. I believe none of the above items are pripreratory, and should be released to me. If any item listed above is a pripreatory item, Then I am asking for written proof as to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All webpages referenced in this complaint will be cited in this fashion : ( XXXX ), ( XXXX ), ( XXXX ). The corresponding XXXX links for each webpage will be provided at the bottom of this complaint. 

On XXXX XXXX, XXXX the credit reporting agency TransUnion altered their website in order to implement predatory sales tactics. In the wake of the Equifax information breach, TransUnion has significantly altered their page regarding information on credit freezes. The initial page ( XXXX ) provides detailed information on the nature and scope of a credit freeze ; not once mentioning any product or service provided by TransUnion. As of XXXX XXXX, XXXX the information on this webpage has changed drastically. The current webpage ( XXXX ), in step XXXX, explicitly offers a TransUnion service as a part of " locking '' your credit file. The information on TransUnion 's service is listed higher and is more prominently displayed than the information on credit freezes. The intial page ( XXXX ) was a detailed, effective explanation on credit freezes. The new page ( XXXX ) leaves credit freezing as a footnote at the bottom of the page. This is in spite of the fact that the new page remains titled " place-credit-freeze '' in the URL. 

Under the current minuscule information section on credit freezes, there is an XXXX link. That link takes you to this page ( XXXX ). This page SHOULD provide detailed information on the advantages and disadvantages of credit freezing, much like the initial page ( XXXX ) once provided. Instead, this webpage ( XXXX XXXX attempts to weigh the pros and cons of " locking '' and freezing, providing another opportunity for TransUnion to offer their credit " locking '' service. Finally, the most egregious section of this complaint comes from the table of comparison seen in the middle of the webpage ( XXXX ). This table could not be more obvious in its bias. It is an explicit attempt to sway unwitting consumers away from credit freezing and towards the service offered by TransUnion. In XXXX bullet points, the table proclaims that freezing your credit will cause you to pay fees, wait for your information, and lose control of access to your credit information. In that very same table, TransUnion proclaims that " locking '' your credit will be instant, independent, free, and online. The juxtaposition of these explanations is stark. Freezing is bad, " locking '' is good. Considering the massive identity theft potential of the Equifax data breach, and subsequently the current seriousness of a credit freeze, I find this behavior to be despicable. 


Cited Webpages ( XXXX XXXX https : XXXX : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from Transunion. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.

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: TN

Complaint narrative:
Equifax security breach, I was flagged as being a victim.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach

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: CA

Complaint narrative:
I would like to file a complaint about Equifax Credit Reporting company not being able, willing or capable to place a freeze on my credit report, as requested by me. After the published security breach at Equifax I attempted to place a freeze on my credit report, both through the Equifax Credit Freeze website and over the automated Equifax Credit Freeze telephone service and neither of them were able to put the freeze in place. No explanation was given and nothing is put in place to follow up. In a security breach like the one that just happened time is of the essence to safeguard consumers information and it is extremely frustrating that Equifax is unable to accomplish just that.
Below is the error message I received after spending valuable time completing the freeze request.
Thank you! 

System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.

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: GA

Complaint narrative:
Equifax got hacked and still charged me XXXX dollars to put a freeze on my account even though it was their fault I needed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
OnXX/XX/XXXX purchased my first house through XXXX XXXX XXXX. The initial escrow payment was {$690.00}. Wells Fargo purchased the loan and I made the first mortage payment for XXXX. Each month {$150.00} is applied to the escrow account. On XX/XX/XXXX at XXXX I spoke with XXXX XXXX in the Executive Office. Prior to speaking with her I spoke with XXXX in the Executive Office. I was on the phone for many hours without resolution. On XX/XX/XXXXI received a notice that there is a 1 month shortage in the escrow account. I 've spent hours and hours and been hung up on, ignored and provided tons of misinformation. After many different calls and nobody properly being able to pinpoint why there was a 1 month shortage on my escrow account ( including XXXX from Executive Office ) - I finally got a hold of a young lady at a lower level customer support that was able to pinpoint the problem being in the Initial Escrow Account Disclosure Statement. That paperwork that I signed at closing shows taxes due / collected in XXXX, where Wells Fargo shows XXXX. We both googled XXXX XXXX property taxes and noted they are due on XX/XX/XXXX on their website. Wells Fargo has a 2 month minimum in the Escrow Account and collecting for the full year of taxes in XXXX leaves only 1 month remaining in the Escrow account. I 've read this complaint to XXXX for accuracy over a recorded line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.

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: IL

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.

Company response to consumer: Closed with explanation