milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I understand that a large breach of personal information from Equifax recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at Equifax ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from Equifax ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with Equifax ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it XXXX concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XX/XX/XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XX/XX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 Rent Reporters Acct # XXXX Last Reported : XX/XX/XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ XXXX Times 30/60/90 Late : 0/0/0 If  you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Settlement process and costs

Complaint: got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account has been paidoff in  XXXX  so how can it be reported late in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. 
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. 

I only found out that ally was my lean holder 2 years later when allotments stopped. 
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. 
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. 
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... 
they cant get away with this, I am a XXXX veteran

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 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute arises from furnisher not providing information on credit report as to whom the account was sold to. Without the furnisher reporting whom they sell accounts to, consumer are disadvantage for the following reason : any payment, settlement or agreement can not be updated through the XXXX CRA 's. 
IE consumer settles account with debt collector and sends letter from debt collector to XXXX CRA 's, the CRA 's can not honor the request to update original account because there is no information reported by original furnisher linking new owner of account. 

For the above reason, in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation, from that dispute, was to update the account as paid, this was also inaccurately reported. Leaving the consumer with the only resolution, a direct dispute with the Creditor. This creates a long, laborious and at times, confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards, polices and procedures to address obvious lack of disclosure by the part of the credit furnishers? IE Furnisher reports account sold but does not disclose who sold or transferred to, Furnisher reports account paid but does report correctly. 

This dispute ends up on the door of Transunion as I could find no other way to bring this to the attention of the CFPB and the original furnisher dispute was processed through Transunion. However I always found the staff of Transunion to always be most helpful and I am not writing this as a dispute solely directed at Transunion. This dispute is broader based as it seems to occur across the board with the credit reporting agencies. 

Could you please look into this? 

Thank you in advance for your time. 

Attached credit report XXXX XXXX no disclosure who account was sold to Attached credit report results of XXXX XXXX investigations, still no disclosure of who sold to and now account updated as paid. 
Attached this letter

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 03-09-2017 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from my credit report.

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 01/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.

Company response to consumer: Closed
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Duplicated address of the same address. Experian has multiple address as the same address. 

Filing FTC on Experian for issues of wrong information on Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX not my address or was on my lease. 
XXXX XXXX XXXX XXXX no unit number showing XXXX XXXX XXXX XXXX XXXX no apartment unit showing XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX XXXX no my address never lived in no XXXX XXXX XXXX XXXX XXXX XXXX no unit showing XXXX XXXX XXXX XXXX no unit showing not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these duplicate address belong to me nor was in my name. Delete or provide from the address proof from lender/bank mort fin or lease threw apartment complex. nothing but duplicate address showing wrong information. 

I 'm also filing with the FTC on all these address that are the same over and over with wrong information and a bunch of made up address or information gather wrong or obtain wrong

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 02/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Closing/Cancelling account

Complaint: in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?

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 monetary relief
Consumer complaint received 01/15/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Cornerstone Federal Loan service incorrectly reported that my student loans were late on XX/XX/XXXX. I have 3 90 day late payments. At that time they closed my account and transferred it to XXXX. I was on a deferment you can check the student publishing clearinghouse. I was able to correct this information on my XXXX report, but both XXXX and XXXX wont let me conference call with a Cornerstone representative. I 've filed 5+ online disputes with each Credit Bureau and each time the results come back that the information ca n't be changed. Please help me! I think that the online disputes are done electronically because if a live person called Cornerstone, they could verify with a representative that the information is updated on Cornerstone 's end, but not relayed to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On or about XXXX/XXXX/16, I entered into a membership agreement with XXXX XXXX via agreement number XXXX. XXXX XXXX XXXX stated when I joined that there are several locations I can go to for the membership. However, it was later determined that the closest location was more than XXXX miles away from my address. On or about XXXX XXXX, 2016, I sent a letter to XXXX XXXX cancelling the membership. On or about XXXX/XXXX/16, I received a call from an employee stating that they will cancel the contract and refund all monies immediately. XX/XX/2016, I received a call from XXXX XXXX XXXX on behalf of ABC Financial Services ( XXXX XXXX ) stating that he is going to have me arrested or take me to jail if I do not pay the debt. I immediately informed him that it is illegal to threaten someone about a debt. I further explained to him that I sent a letter via certified mail on or about XXXX XXXX, 2016, requesting that the membership be cancelled and that all monies be refunded. I sent notice to XXXX XXXX XXXX. On or about XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from XXXX, XXXX, XXXX XXXX XXXX, attorneys at law on behalf of XXXX XXXX in regards to agreement account # XXXX in the amount of XXXX. On or about XXXX/XXXX/16, I sent a certified letter to XXXX disputing the debt. I want documentation on how they arrived at the XXXX when it is clear the membership was cancelled on XXXX/XXXX/16 as well as the gentlemen stating all balances has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Mortgage (FHA mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Settlement process and costs

Complaint: I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.

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