vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.

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 2017-09-08 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:
I was identified as being a potential victim of the Equifax security breach on XXXX.XXXX.2017 via their site, equifaxsecurity2017.com. They seriously mishandled my information and the information of others, which puts 209,000 other people at risk of identity theft. They were slow to notify customers of this breach and I would like a resolution, as well as the option of free credit freezing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" Atlanta-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXXand XX/XX/XXXXof this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '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
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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX  SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" XXXX-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' 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
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 just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Please see my complaint # XXXX - I had written regarding the inequity in the counter offer on my short sale. The lender ( Shellpoint ) had two valuations that show the property worth {$37000.00} in XX/XX/XXXX and {$38000.00} in XX/XX/XXXX. They countered at {$80000.00} which makes no sense. 

In their response which the CFPB shut down, they claim they have a valuation on my property of {$160000.00}. That valuation is outdated and was done in XX/XX/XXXX this year by someone who drove by and never even got out of her car to value the property. 

Shellpoint did n't even address the fact that there were more recent valuations on hand. Since when do you utilize an outdated value to determine loss mitigation options. 

I 'm not only disappointed now with Shellpoint, I 'm disappointed with the CFPB for not ever reviewing the information I submitted with the two valuations nor reviewing Shellpoints response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: SC

Complaint narrative:
Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency.
Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
I checked the site and it indicates that my information was compromised.

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: MA

Complaint narrative:
Security breach and my information was compromised at Equifax

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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 2017-09-08 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: AZ

Complaint narrative:
Per Equifax 's Press Release Statement : there was unauthorized access from MidXX/XX/XXXX. The first indication that Equifax gave of this breach was on thXX/XX/XXXXThis I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United  States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!

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: MI

Complaint narrative:
I believe that my personal information may have been impacted by the 2017 Equifax breach, based on querying for my info at https : //www.equifaxsecurity2017.comXXXX

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:
I was identified by Equifax as having my personally identifiable data exposed in the security incident occurring between XX/XX/XXXX and XX/XX/XXXX, by checking the site : https : //www.equifaxsecurity2017.comXXXX, entering my last name and last 6 of social security number, which stated : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I put a free government-allowed 90 day freeze request as of today, XX/XX/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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was negligent in their handling of their IT security. After having a security breach for over three months they did not notify affected consumers for longer than a month. After having to discover for myself  that I was effected by this security breach, it costs me more money to freeze my credit to make sure that no thieves can steal my credit. Having to waive my rights to sue and agree to arbitration to receive free credit monitoring after their mistake is wrong, and opportunist.

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: TX

Complaint narrative:
I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for 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: CA

Complaint narrative:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold
by Discover? 
I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 
I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX! 
How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? 
And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!

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 mishandled my information and did not properly secure our information from malicious users which puts me and 143 million other people ( according to : XXXX XXXX XXXX ) at risk with our SSNs in jeopardy. 

These SSNs stick with us for our entire lives and they want to provide a measly 1-year credit monitoring ( which requires you to waive your rights ) as if malicious users ca n't wreck havoc on our credit after a year. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

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 — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax hack has led to my account details being compromised.

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 improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.

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: NY

Complaint narrative:
Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life

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: NC

Complaint narrative:
Equifax allowed my personal information to be stolen. Their own website confirmed it. They also waited months before telling people and in that time I 've had fraudulent charges on my debit card AND credit card. This is unacceptable. OHH, and the top 3 executives for Equifax sold their stocks only after finding out that their system had been breached. HOW CONVENIENT!

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:
Per the Equifax breach website, my personal information has been compromised and my credit history is at risk

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:
On Friday XXXX XXXX of 2017, per equifax website ( https : //www.equifaxsecurity2017.comXXXX ), I was a potential victim for identity theft that occurred in 2017. Equifax had security breach by a hacker and potentially had my personal information breached.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian was hacked, they say that my information was affected. Can not freeze my credit through any of the three 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
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: MO

Complaint narrative:
Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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: WA

Complaint narrative:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.

Company response to consumer: Closed with explanation