vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
Equifax mishandled my information which has lead 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 while Equifax has access to all means of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 did not have substantial security in place that resulted in a breach of their infrastructure by unauthorized users. Through the breach, unauthorized users were able to obtain my social security number along with other identifying information that rendered my identity at risk of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
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 I
mpact '' 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
Consumer complaint received 2017-09-12 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: ID

Complaint narrative:
RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: LA

Complaint narrative:
Equifax has negligently handled my credit report information. As such they have left me and millions of others vulnerable to exploitation. I have never agreed to let equifax have my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: KY

Complaint narrative:
According to Equifax, my information " may have been '' compromised by their breach. Because of this, I felt I had no alternative but to place a credit freeze with all three bureaus. Each bureau charged {$10.00} to place a credit freeze ( including Equifax ) AND they will also charge a fee when you request to unfreeze it in order to give potential creditors and/or employers access. I contacted Equifax and asked that they refund the {$30.00} because they are responsible for the threat I now face. They informed me that they have no intention of refunding any credit freeze fees, but they are offering credit monitoring for one year. Their nonchalant response with practically no offer of assistance or protection is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have an awkward situation I am trying to understand. We opened an equity line of credit with Chase Bank in XXXX of XXXX. Sometime I think around XXXX when the housing market plunged, The line was frozen and I think modified into a term loan, but we continued to receive monthly statements and paid as requested. I had other financial issues and filed a personal Bankruptcy in XXXX. About the same time we stopped receiving our monthly statements. When we checked back with Chase as to why all we were told was that it was paid and we had a XXXX balance. There is nothing in our personal credit file showing the account, and we have nothing in writing showing payment information. A few years later I started receiving phonically at my work from apparent collection Companies telling me for {$20000.00} that they would release the lien that Chase has on our home. WHAT LEIN? About XXXX years ago I begin getting calls from XXXX XXXX @ XXXX XXXX supposedly At Chase on or about XXXX XXXX, XXXX about this same Loan Lien Release for {$28000.00}. I first went to The XXXX XXXX office of Records, they then sent me to XXXX XXXX hall of records where they transferred the records to and got copies of the Chase Liens and their release of Liens. They had a previous Lien # XXXX Filed XXXX XXXX, XXXX for {$99000.00}, Then a new Lien # XXXX filed XXXX XXXX, XXXX for {$200000.00}. A Full Reconveyance # XXXX was filed XXXX XXXX XXXX. 

It appears that when the market went upside down the XXXX XXXX did a Bank Bail Out that somehow paid my underwater mortgage. I can get no details of what actually happened, but all I can ascertain is that there was a loan, there was a payment by someone that paid the note to a XXXX BALANCE and there was a reconveyance, but only on one Loan paperwork not the second, so now the second mortgage lien is being held for Ransom the remaining balance, but they will give us a discount for a cash payment. 

This whole thing smells bad, and if it appears to smell bad, it probably is. These people are very secretive that they wont answer the phone, dont have e-mail addresss, dont give out names, and wont put discussions in writing. 
WHo are these people holding our home for Ransom? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
was sent to prison XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TN

Complaint narrative:
I am furious about the Equifax Data breech reported to consumers on XXXX/XXXX/XXXX. They are suppose to protect our information as they distribute this information to various financial companies when consumers apply for credit cards, home loans, etc. The very people that hold our very confidential data did not protect us, yet now they say sign up for protection? How ironic. I demand that Consumer Protection go after these people and make them pay for the lack of integrity and responsibility in allowing such a breech to occur. They should be made to pay for this dearly. Yet it will be the individual consumer to be held accountable if their information is used to set up fraudulent accounts. Please be assured that I will also be contacting my senators to complain about such a horrific event that basically opens us all up to potential financial risk without much in regard to individual consumer protections, Outraged in Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 have tried XXXX times in the last week to put a freeze on my credit account at Equifax. They say the service is not available and they make lame excuses about Irma impacting things. I have tried on the phone and on their website. I have successfully placed a freeze at XXXX ( who makes this process the simplest ) and at XXXX. Equifax is playing games. 

I would also like to complain that this process is overly burdensome. I have to put a freeze on both my account and my wife 's. I have invested well over XXXX hours in this process already and I am still not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Due to the recently announced Equifax breach, I have tried to request a Freeze on my credit report with all XXXX bureaus. I have tried contacting the freeze phone number for Equifax and XXXX that is published on XXXX 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with Equifax or XXXX. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been XXXX times, literally. In other words, I am not submitting this complaint after only trying the phone number or online XXXX or XXXX times. I have literally dialed the number and/or tried the online request XXXX times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that Equifax and XXXX have provided are not in working order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MO

Complaint narrative:
Personal info stolen in data breach.

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 2017-09-12 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: OH

Complaint narrative:
According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

This is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. 

Equifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. 

What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. 

Equifaxsecurity2017.com is a site setup by Equifax in response of the breach. 
In the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. 


On XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: IL

Complaint narrative:
I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.

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 2017-09-12 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: OH

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
Consumer complaint received 2017-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi there, I have the following issue with Coinbase : On XXXX XXXX ( more than a month ago! ) I initiated a withdrawal of XXXX euros from my Coinbase account to my XXXX bank account. The site indicated that the withdrawal had been initiated and the money will arrive to the bank account in the matter of few days. After a few day the withdrawal on their site was marked as 'Completed '. However, money did n't appear after 7 day, when I submitted a request to Coinbase, asking where is my money. No one got back to me. Over past few week I tried to reach them using different channels like XXXX, XXXX, but with no success. Please hep! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
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