vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TN

Complaint narrative:
Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am profoundly disappointed with how Equifax has handled reporting this breach to me and other consumers. 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 news about the breach via social media and word-of-mouth. 

This breach has cost me several hours of time and money to freeze my credit and financial records with four different reporting bureaus, including Equifax, XXXX, XXXX, and XXXX. Furthermore, this breach will continue to cost my time and money for unfreezing reports and possibly disputing any identity theft or fraud as necessary in the future. 

This is an undue burden from Equifax, a company that I have never voluntarily chosen to do business with ; they are merely a vendor of my financial vendors and creditors. 
Please take prompt and decisive action to ensure that I and others are compensated for Equifax negligence and ensure that something like this does not occur again.

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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX -- - tried to use XXXX to access my credit reports. Both Transunion and XXXX could not complete the process on their websites. I have screencaps proving it. XXXX XXXX website prevented me from returning to XXXX XXXX interface and continuing my annual retrieval process. Going to XXXX, they forced me to allow them to send me unsolicited offers to get my free credit report and to allow their subsidiary XXXX XXXX to access my reports whenever ( in order to solicit ). I could not opt out on their website immediately, instead I have to contact them afterward ( I can not see what that contact process is like beforehand because it requires me to have an account to see how hard it will be to remove their unfettered access to my records. )

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I wired XXXX to Coinbase. Coinbase then failed to receive the funds properly due to a clerical error on my side. They reported they were wiring the funds back, but funds have yet to arrive and they will not answer emails and have no phone support line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Moria Development, Inc.
State: GA

Complaint narrative:
I was reached by XXXX XXXX Loan XXXX at XXXX Mortgage, XXXX Utah about financing my mortgage for my potential home listed at XXXX XXXX XXXX XXXX. XXXX, Ga XXXX was well at first, he was going to assist with a No Down Payment Program ( my husband had a stoke in XXXX and most of our cash was depleted by medical bills but this program was a great fit, or so he said XXXX .Then the Down Payment Program closed according to him, so i had to come up with almost XXXX. So I came up with XXXX dollars. 
So he said since I did n't have all the money that the Down Payment Program was back, and I could close with that program.So I asked why did you not tell me this before? So now we are back to the XXXX Payment Assistance XXXX. 
So now I have paid for my Appraisal ( FHA ) it took XXXX weeks to get the Appraisal XXXX XXXX days before closing he calls and says the office was shut down and someone will call me within XXXX hours and I would close on XXXX I was suppose to close on XXXX/XXXX/XXXX and I have called many times I talked with XXXX XXXX # XXXX he said he would return my call, and get it taken care of, this was a lie, today I still have n't heard from anyone at XXXX XXXX talked with XXXX last week around the XXXX at the other Peoples location and he said XXXX XXXX # NMLS # XXXX would call me but no call from him either. 
I do n't know how they do business in Utah but this is unexceptionable! 
I pray that they do n't continue to mislead people like this and if they ca n't close loans in Georgia why are they soliciting business in this state?

Company response to consumer: Closed with monetary relief
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: CT

Complaint narrative:
Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

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: KY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Today is XX/XX/XXXX. It was reported that Equifax was hacked back in XXXX and lost close to 145 million people 's personal information, and they did not disclose this information until just recently on  XX/XX/XXXX. Equifax executive 's actions leading up to disclosing the hack of user information was criminal and dishonest - they dumped their company stock to reap financial gain on behalf of this terrible news. This is a perfect example of insider trading. I 've reached out to the company via phone but have not made any meaningful contact to determine if I was actually impacted by this hack. I 'm thoroughly outraged at Equifax actions and am worried about my personal information being stolen or provided to the public. I respectfully request serious action to be taken and that Equifax employees who acted immorally or against the law to be personally held liable for their actions. I am highly suspect of fraudulent behavior from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has charge me late fees in the amount of {$25.00} for XXXX XXXX, XXXX and XXXX XXXX, XXXX although the due date is on a Saturday and Sunday which is not their legal dates of customer bank operations. I have called and I am being lectured by the Customer Service supervisor XXXX of how many days that I have in the month to pay my bill. I consider this very rude and inconsiderate.

Company response to consumer: Closed with monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS

Complaint narrative:
Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?

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: IL

Complaint narrative:
I like it, but I edited it a bit more : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

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: IL

Complaint narrative:
This message is in regards to the recent Equifax data breach. According their website, I am a victim in the data breach. It is unfortunate that I never had a choice in whether or not Equifax retained information on me. However, they held extremely sensitive data on me and are completely responsible for its safe-guarding. Equifax has completely failed in this respect on a massive scale. They should be held fully responsible for fixing the situation. The fact the they are offering 12 month free credit monitoring if you sign up with them and waive your right to a class action lawsuit is an absolute slap in the face. Credit monitoring should be free in perpetuity unless new social security numbers are provided. I urge you to please take this very seriously and make an example out of them. Millions of people 's financial security is now at risk. Thank you incredibly for your time. 

Sincerely, XXXX XXXX

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:
Equifax did not adequately protect my critically personal information and did not have security measures in place to prevent a privacy breach. My social security number and other identifying information that can be used to steal my identity has been released to public domain.

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: IL

Complaint narrative:
Equifax, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

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:
On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

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: NJ

Complaint narrative:
Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.

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: NC

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Also, their leadership, who were well aware of the hack, dumped their stocks prior to making the information public. This is entirely unethical and a poor handling of invaluable data.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, Im holding an account with PNC and Im very disappointed at the service through phone and at the bank in person. I needed to speak to someone about a fee charge and it took forever to get through the million questions a computerize person ask on the phone, it is really annoying and on the phone they could not resolve my issue cause the manager was not there, I did not know the PNC only have one manager for the amount of account holders they have, it is embarrassing and unethical. second I went to the bank at XXXX, New Jersey where the tellers were not help and the manger of the place saw me struggling to get someone on the phone and never took the time to actually talk to me and help me out. What are they there for then? then i walked to her to see if she could unlocked my online account and help me with the fee she had someone coming to her computer and do some work, I got extremely annoyed and left. I do not see the interest or effort from them to help anyone, or maybe a customer they do n't know or like. Im extremely disappointed at PNC and their service, I look forward to cancel all my accounts with them and let everyone know how they really are. not a good bank at all, they are slacking big time!! Now I 'm still here trying to unlock my account and resolve the fee issue. SMH!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i have probmle of money they took on my bank.

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