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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with this issue.

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: KS

Complaint narrative:
Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I went into a local XXXX XXXX banking branch and attempted to open a basic checking and savings account. At the end of the application process I was denied due to being flagged from a third party credit reporting agency, XXXX XXXX XXXX, XXXX. I called XXXX and they stated that there was two discrepancies on my consumer report that could be preventing me from opening a bank account at a reputable banking institution. One was from XXXX XXXX with a charged off balance of {$510.00}. This was entirely my doing. The second was a charged off account from Citibank , N.A . for a total amount of {$1100.00}. I have NEVER banked with Citigroup XXXX Inc. for the duration of my life. After further research, this fraudulent account was opened on XXXX XXXX, XXXX. My identity was stolen and fraudulently opened a checking account with the unauthorized use of my social security 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 2017-09-12 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: CA

Complaint narrative:
I am disputing the collection account XXXX and account number XXXX which they show as being openedXX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

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: KY

Complaint narrative:
Equifax failed to properly secure my information. An unknown amount of my data may have been leaked to an unknown third party. The suggested solution was that equifax provide one year credit monitoring through one of the subsidiaries. That is not a proper solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.

Complaint narrative:
in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.

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 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me 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. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the collection account XXXX and account number XXXX which they show as being opened XX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately.
This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the collection account XXXX and account number XXXX which they show as being opened XXXX/XXXX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXXin the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and the others will be making money from the victims of the Equifax fraud as the solution, freezing the account, costs money. Equifax should not onlyl pay for each of these freezes and subsequent defreeze, but also set up a fund for the victims. 
Please do n't allow yet another fraud on the consumer victims be paid for by the victims when the responsible party gets away Scott free.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
At the begin ofXX/XX/XXXX, I started investing in XXXX. 
I send money to Coinbase and at XX/XX/XXXX, I have wanted to participate to an XXXX ( XXXX XXXX XXXX ) named XXXX. This XXXX is possible via XXXX currency and smart contracts ( programs ). The principle is to send ETHs from a wallet to the XXXX XXXX Smart Contract and when the XXXX is over, it sends back tokens to the original wallet. 

I sent 4 ETHs and 5 ETHs to 2 different Smart Contracts but both are XXXX of XXXX. 

My problem is that Coinbase speaks about your wallet ( owned by you ) but finally, it 's not your wallet, it 's a technical wallet owned by Coinbase. And when the tokens come back to the wallet, it 's too late : the tokens are in the technical wallet but you do n't have the keys of this wallet. 

I have tried many times to explain that to Coinbase et to try to have an arrangement ( even if I am charged ) but I received no response at all.

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: TX

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. Now it has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
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 2017-09-12 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: IL

Complaint narrative:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, SSN, DOB, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 Impact '' site www.equifaxsecurity2017.com. 

They have put myself at risk of identity theft/fraud due to negligent security protocols in handling consumer information. In attempting to resolve the matter with the company, their only remedy was for them to profit on their gross misconduct by offering to signing me up for " trial periods '' of their paid 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 sold stock immediately prior to the data breach announcement, regardless of whether they were aware of said security breach. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of judgment of who to contact. 

FURTHERMORE, their service of offering a security freeze in compliance with the law is ineffective, as my personally leaked information is sufficient to unfreeze the security freeze without requiring the PIN -- actors with malicious intent could unfreeze my credit simply by saying they " forgot my PIN '' and proving my other leaked details. 

RESOLVED by the above that Equifax is ill-equipped to handle the necessary security protocols necessary to safeguard my and other Americans ' most sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been under the PSLF program with Fedloan Servicing for three years now, just began the fourth. In this time-the lack of timely responses, delays and incompetence of the lender and program has grown. This has created frustration, increased payments and longer time paying this monthly debt to qualify forgiveness for me and my family! Current months paid are incurrent on one loan. It took 5 MONTHS this past annual renewal to get processed. Multiple times I was told they could n't read the documents sent in multiple ways by their own method, scan, photo, e-mail and fax! Telling me in coversation it was something on my end! Then, just before I mailed the packet of documents I was informed the IDR was approved and amount of monthly payments. How is that possible??!! Shady.Shady.Shady. I was NEVER informed by e-mail or phone of issues. When I looked in my inbox on the site, it just stated denied without reason ( s ). I would follow up after sending in multiple times asking if legable and was told I would be informed, I was n't.

Company response to consumer: Closed with non-monetary relief
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 a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
due to equifax data breach i have tried contact them on phone, and im disconnected after waiting on hold. 
i have tried their website and it will not allow you to enter information and site crashes

Company response to consumer: Closed with explanation