vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 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 Inc. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
After the major Equifax breach was finally recently reported to the public, I accessed their website, to see if my CC info was stolen. 
The site advertised " We have provided a tool on this site for you to determine if your information was potentially impacted by this incident. '' However, there was no such tool, only other advertisements to sign up for protection services, to get a credit report, etc. Undoubtedly fees would be involved. 
There is apparently no way to directly check to see if my CC # s were stolen. 
This is pure BS, of course. There is nothing an individual can do about this. Meanwhile company management dumped their Equifax stock immediately after they realized what they had let happen, having failed to install safeguards after previous incidents. 
Only the CFPB can do anything about this. 
Thanks for letting me rant. 
Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Their investigation did not fix an error on your report
Company: ACS Education Services
State: KS

Complaint narrative:
I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: VA

Complaint narrative:
Equifax has mishandled my credit information. They 've had a security breach in which my personal information was stolen along with millions of other people. This happened in XX/XX/XXXX and yet I 'm only learning about it in XX/XX/XXXX. This is unacceptable. Equifax should have treated such sensitive information with upmost respect to privacy and security. But on top of that, consumer should have learned about the breach as soon as it happened. 

On top now having my personal information in the hands of criminals, I have to pay fees to get credit freezes on multiple different credit agencies. Equifax has even charged me {$10.00} to freeze my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: PA

Complaint narrative:
As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: AZ

Complaint narrative:
Equifax hack A suggested action by consumers in light of this data exposure is to have a fraud alert and/or credit freeze placed a
t the 3 credit reporting companies. There is a fee for this action. My complaint is why should consumers have t
o pay to protect themselves when Equifax negligence is the reason for the exposure.
These services ( freeze, fraud alert, etc ) should be provided free of charge and Equifax should be more proactive in taking these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
I was a potential victim of the Equifax security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 credit report with 209,000 other consumers in a massive data breach. I am now at risk for identity theft or tax fraud, according to equifaxsecurity2017.com, as are many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: VA

Complaint narrative:
1 ) Equifax 's lack of proper security allowed my personal information to be compromised 2 ) They did NOT let me ( or any of the customers! ) know when the data breach happened so that I could take proactive steps ; they only published it weeks afterward ( based on their statement of XXXX-XXXX-17, the breach happened on XXXX-XXXX-17 ), so my SSN, addresses, credit score, and other personal details have been at risk without my knowledge 3 ) The " compensation '' offered is in the form of one year of free credit monitoring ( XXXX XXXX ) which will not cover the lifelong risk of my SSN and other details being compromised 4 ) There is a hidden statement in the enrollment terms for XXXX XXXX that enrolling will waive my right to file a suit against Equifax, which is not accessible except by looking at the terms of service of the site itself. This is completely disingenuous on the part of the company 5 ) The only step for me to take to protect myself from Equifax 's data breach, at this point, is to pay them {$10.00} to freeze my credit XXXX {$30.00} total to freeze across all bureaus ). I should NOT have to pay THEM to protect myself from their bad business practices! 

This whole thing has been handled very poorly and possibly illegally by Equifax, putting me and millions of others at risk without timely and appropriate communication and attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NV

Complaint narrative:
Our identities and accounts were stolen because of improper security with Equifax. In XX/XX/XXXX they knew of the issue and did not report it until 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: GA

Complaint narrative:
Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: GA

Complaint narrative:
I am filing this complaint in regards to the Equifax data breach on XXXX XXXX 2017. After checking their website I discovered that I am one of the individuals affected by the data breach. Any company that holds that much information about citizens should be held to the highest level of accountability when an incident like this occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
My information was compromised along with millions of others in Equifax 's mishandling of security, during a cyber attack which was announced on XXXX XXXX, 2017 and took place in XX/XX/XXXX through XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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:
Equifax cyberattack. " Based on the information provided, we believe that your personal information may have been impacted by this incident ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and TransUnion are both reporting a public record on my credit file. On my XXXX they have the court listed for this public record as XXXX XXXX XXXX XXXX. First, I am not a resident of Connecticut nor have I ever lived there. Just to go through the process I contacted the court clerk at the court listed and they had no record of the published docket number as well as stated they do not report to the credit bureaus. When I asked XXXX where they received the information they stated that the court provided the information to the bureau and that was a lie. Transunion did not ever provide a court name for me to contact. Just as XXXX stated the court furnished this public record to the bureaus TransUnion is stating the same thing which is untrue because again no courts report to the bureaus. TransUnion does not even list a court name to contact, but as the clerk of the federal court stated NO FEDERAL COURTS OR ANY OTHER COURTS UNDER ANY CIRCUMSTANCE REPORTS TO ANY OF THE CREDIT BUREAUS.

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