milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX and Dispute Process Equifax Confirmation # XXXX, I have recently pulled my credit report and identified an unauthorized request to pull my credit which is considered hard hits to my credit report. Needless to say, these hits have reduced my credit score. XXXX XXXX XXXX XXXX XXXX within a six month period pulled my credit report XXXX times without my authorization and then the credit union was sold to XXXX XXXX XXXX XXXX who also pulled my credit report without my permission. I disputed these items with Equifax, and they have stated the records are factual and will not be removed. I inquired as to how they are factual because I did not authorize the pulling of my credit report for either agency. They stated because they have my credit information they can pull my credit report at any time. I questioned this because that means they are saying anyone who has my information can pull my credit and become a hard hit without my authorization and it counts against me. The statement made no sense. I then asked in their re-investigation did they ask the credit union to provide authorization by me to pull my credit report and provide proof from the consumer of this request, should n't I have been notified. Equifax response is they have no control on what is reported, so I asked then what are your investigation if " I '' the consumer is saying it 's authorized and fraudulent. The action seems to be an improper business practice by the credit union and lack of investigation into that accuracy of data from the credit reporting agency Equifax. I have seen marketing soft pulls for my credit which do not affect my credit score, but these multiple requests of my credit report from this agency seem fraudulent and is an attempt to draw to my score even further. I wish to have these unauthorized request removed from my credit report, and the reporting agency revises their investigation practices and further train their employees. Simply stating they have my information causes enough to pull my credit is not a reason to pull it without my signature or authorization or notification to the consumer of such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.

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 10-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have disputed the XXXX XXXX XXXX on my account multiple times because it is due to identity theft and i have stated that numerous times in disputes to no resolve. This needs to be taken off my credit as it was identity theft. It says closed XXXX XXXX, 2015 and amount being {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 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, Social Security numbers, birth date, 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 linksto 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 03/24/2015 about Credit card () with U.S. BANCORP (KS).
Issue: APR or interest rate

Complaint: When I signed up for my credit card through US Bank I was told by the CSR my account would be interest free until approx XXXX 2015. I initially called in regarding something on my checking account. I opened XXXX savings accounts and was told I pre-qualified for a credit card through US bank with 0 % intro APR. I was charged APR. I attempted to call US Bank to figure out this situation. I asked them repeatedly to pull the call and listen to the call, so we could determine what was said to me. Supervisor said does not have option for call review. I was told there were no way to pull the call despite there being a call log. This a bait and switch on their part and apart of fraudulent business activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

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 03/21/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (CA).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, California XXXX Phone Text : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX : XXXX Friday, XXXX XXXX, 2015 Dear XXXX : I 'm requesting this letter. Importance, Next XXXX XXXX, 2015 at about XXXX, I 'm going to JPMorgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and I need to get started the information and fill out the application for a car loan for 2015 XXXX XXXX, Final Price : {$27000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, sales phone : ( XXXX ) XXXX. 

Next XXXX XXXX, 2015 at about XXXX, I 'm requesting a car loan payment calculator for the monthly loan payment : {$420.00}, loan term : 72 months, APR : about 3.06 %, loan amount : {$27000.00}, total paid : {$30000.00}, and total interest : {$2600.00}. 

PLEASE check my account is history credit card or? and will sent to me email. Thank you much. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: APR or interest rate

Complaint: finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am in debt over XXXX dollars. I have tried for years to repay my loans but every time I seem to hit a roadblock. Over the last few years I have had no success in even starting a repayment plan due to the bad guidance from Navient. Every time I called I would get different advice .... at one point last year I was told there was nothing that I could do but to continue and keep my loan in forbearance. Now I have thousands of fees of just interest and in addition my credit has been affected negatively due to Navient erroneously reporting my payments as XXXX plus days late even after I called numerous times to extend my payment deadlines, but due to lack of follow up I never got the help I needed. Finally last year I made a small step forward and consolidated all my loans to make it easier to navigate with Navient reps my options. Even after this the income based repayment plan is made for failure. It 's almost as if they make it extra hard for someone to get this process done so I can remain in forbearance. I 've even offered to pay at least XXXX a month but I 've been told unless I can pay XXXX or more a month there 's not much we can do. Finally two months ago again I qualify for a lower payment via income based repayment, but now the system set up online is asking for my spouses sign off ( even though it never did before and we 've been married since the last time I applied for IBR ) ... so I 'm back at square one. I just wish that there was a better way to this. I hope someone reads this and finds a way to help me I do n't think that what I 've been through is fair and how my credit and life and inability to buy a house due to Navients negligence is fair either.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 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: XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 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: Information belongs to someone else

Complaint: I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I found out that my personal information may have been stolen during the recent security breach at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS - XXXX XXXX XXXX. - XXXX XXXX - XXXX XXXX, CO XXXX - This has been my mortgage processor for years. On XXXX XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX MI ) stating our loan had been purchased and my XXXX XXXX payment was due to them. I had never heard of them! I complied. Yet SLS took did the automatic ACH payment too. -- Then, on XXXX XXXX I received ( 1 ) a letter from SLS stating they would deduct my mortgage payment on XXXX too ; AND ( 2 ) a letter giving me a notice of balloon payment due to SLS. SLS has no answers for me and will not confirm in writing that the loan has been transferred and that they will not deduct the XXXX payment and that the balloon payment is actually due to the new processor.

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 04/25/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CT).
Issue: Trouble during payment process

Complaint: Since   XXXX   I have attempted to make additional principal payments on my mortgage. These payments have been continuously misapplied, and in several cases, when rectified as to where to apply them  ( after lengthy phone calls ), the interest was misapplied on the next months payment, instead of the date the   payment was received  ( as the Note calls for ). I ma iled additional principal payments to the address as identified on the back on my mortgage statement and specifically stated principal curtailment. These payments were not applied to principal, instead were applied to my regular payment ( which I have auto pay/withdraw done by the mortgage company ). After speaking with   XXXX   XXXX  , they advised to mail to  three  different addresses :  one in  Fishers, IN,  one in   XXXX , OH, and most recently in  XXXX   XXXX , NJ. Unfortunately, the problem remained the same for each of these addresses ; principal curtailment payment improperly applied to next months mortgage statement. Freedom Mortgage Company states there is no way to do this electronical ly ( either on their web site or electronic transfer ), and by phone mortgage company charges a {$15.00} fee per transaction. Customer service states that additional   principal curtailment amounts can not be applied to monthly payments unless they remain same each month.  Freedom Mortgage  also failed to make tax payment ( despite having bill and their syste m showing four payments per year ) th is  XXXX , and resulted in interest being charged . Freedom has since  paid taxes and supposedly paid interest, however I am not sure until I see a statement from municipality showing account is clean ( no further interest  due ). Obviously this company can not handle simple tasks as principal curtailment and tax payments. I did not choose them and my mortgage was sold to them. All of these are violation of the Mortgage Note, as well as fraud relating to improper application of interest as required by the Note.

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 02/15/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )

Company response to consumer: Closed with explanation