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

Complaint narrative:
I checked the Equifax potential impact website, and after entering my information, I was informed that my private personal identity information had probably been compromised in the recent breach. My understanding from news reports is that Equifax became aware of the breach in late XX/XX/XXXX. As a resident of California, my private personal identity information is subject to the data security and breach disclose laws of California Civil Code XXXX ( Security Breach Information Act ). I was not contacted by the company directly or made aware of the breach until I heard the news in the general media yesterday, XX/XX/XXXX. I do not consider that to be the most expedient time possible, as CCC XXXX states. The news also noted that in early XXXX, several Equifax executives sold over a $ million of stock, which declined about 13 % in value when the news of the breach was made public. The company, which markets and sales data security services, clearly does not understand the responsibilities of data security and breach notification. There are two other credit reporting agencies. Therefore, the loss of Equifax will not cause major damage to the credit reporting marketplace. All efforts should be made to punish the company to the full extent of the law, including closing the company, if possible.

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

Complaint narrative:
My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.

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

Complaint narrative:
My information was stolen from Equifax by hackers. The company is not helping and has violated any sort of rights or trust they might have.

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

Complaint narrative:
Hello, After the XXXX data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, X/X/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, Transunion, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, Transunion - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a  freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 2017-09-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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:
Hello, according to https : //www.equifaxsecurity2017.com, I believe I am a victim of the XX/XX/XXXX Equifax data breach ( announced XX/XX/XXXX ). I have never personally signed up for their services ( i.e. getting a credit report ) but I have had credit reports done because I have applied for student loans, apartments, and credit cards so likely one of those used Equifax to check my credit. On XX/XX/XXXX, I checked the equifaxsecurity2017 website to see if I was impacted and it said I was potentially impacted ; however, I have not signed up for their free credit report service offered. 

So far, on XX/XX/XXXX, I have put an initial 90 day fraud alert via XXXX and checked my credit report via XXXX via XXXX. I will be putting a security freeze on my accounts, including via Equifax, either later today or tomorrow. 

Equifax has mishandled my information, and many others, which had put millions of people at risk. This is especially aggravating since I have never personally used any of their services and did not choose to do business with them. So far, I am extremely disappointed about the ways they 've handled the data breach ( taking one month to report, the arbitration clause on their equifaxsecurity2017 website etc. ) and only discovered the news because my professor talked about it in class on XX/XX/XXXX. Equifax did not notify me that my data was breached and did not inform me how to remedy the situation, other than that I was potentially affected and could sign up for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.

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 2017-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.

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 2017-09-09 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: FL

Complaint narrative:
my info was effected by the cybersecurity hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX mishandled my information which has led to a breach that puts myself and millions of others at risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company 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 2017-09-09 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 credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. 

I am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. 

In my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. 

To me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a student loan which is now serviced by Navient. I have a problem with the way they apply my monthly payment. I am a responsible borrower, I am current with my loan, I have no real trouble making my payment. However - I like to pay a little more than the minimum each month in order to pay down the principal. Navient makes it hard, or nearly impossible, to do this. 

The company has an easy way for borrowers to go online to make a payment each month, however there is nothing in the payment process that allows borrowers to repay a little more in order to shorten the term of the loan, and the amount of interest paid. 

Every other type of financing - mortgage, car loan, even a loan I received to buy a new mattress allows for a little overpayment, which is applied to the principal. 

Navient deliberately does not allow this to happen. This is a blatant attempt to XXXX over the borrowers, and drag out the loan term and increase the amount of interest they pay. This is not fair. Many student loan borrowers likely have no idea how to shorten the term of the loan, and Navient capitalizes on this unawareness. 

For many, a student loan is the first type of loan they receive. Assuming they are able to make their monthly payment, Navient traps them with a slick website which tells them exactly how much to pay so that the loan gets paid out over the longest possible period and Navient sucks every penny of interest out of them. Yes, Navient is a business, but they could at least provide a means for their borrowers to pay a little more. This wo n't cost Navient that much, because most people ca n't pay any more than the minimum anyway. 

The federal government backs many, if not all, of the loans Navient profits from. The fed government should, therefore, force Navient to apply the same truth-in-lending principals that mortgage lenders do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax did not disclose a hack in which my personal information was compromised.

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

Complaint narrative:
Let this be seen as yet another of what I hope are the near Millions of complaints over the breach with Equifax. If data of a customer is lost it is imperative for the company to inform those who are affected, as it is FAILURE ON THEIR PART. Furthermore they should be held to an ethical standard of dealing with their transgressions against the individuals affected. 

At this time I can not check on my status due to the fear that I would then loose my opportunity to defend myself if it becomes a legal matter. I will now be required to take time out of my personal schedule, to ensure that my privacy is safe, and the earnings of my labors are secure. 

For the sake of the many people affected. Hold Equifax responsible.

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

Complaint narrative:
My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.

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

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX credit card charged off my account on XX/XX/2017. The card was secured for {$200.00}, and I had an additional overage of XXXX. On XX/XX/2017, I made a payment of {$120.00}. On XXXX XXXX, I contacted the company and spoke with XXXX, who informed me that the company will continue to report my account as charged off rather than closed and paid in full, even though they admit that I do not owe them any further money, as they used my security deposit to satisfy the purchases I made, and I paid all over the limit fees. XXXX further informed me that it is the policy of the company to report inaccurate information to credit bureaus unless and until the information is disputed.

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 2017-09-09 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: NY

Complaint narrative:
Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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 2017-09-09 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: NY

Complaint narrative:
Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!

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