milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Closing on a mortgage

Complaint: My name is   XXXX   XXXX   XXXX   a Private Banker and I have a mortgage with  Wells Fargo Home mortgage . I sent a certified Bank Note for Payoff which is a security instrument to pay off my loan the bank has accepted my security instrument because it was never sent back to me. but i get a form letter back with a bunch of paid statements and a copy of a deed of trust to validate the debt. I was very specific on what i needed the Bank to do.   also the security instrument was set up correctly according to  (   UNCITRAL convention )  and  U.S. B anking laws I do have deep concerns, what can be done about this.

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 09-12-2017 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: 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 links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My credit report shows several XXXX records of late payments. They are all related to the student loans I obtained from XXXX XXXX XXXXXXXX. These records are incorrect. Attached please find the bank statements and loan approval / disbursement letters from the school that show the amount owed and lump-sum payment I made in-time.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Valley Collection Service, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX, Experian and XXXX in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and Experian were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX, Experian and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the XXXX bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from Experian and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.

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 12-10-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Company response to consumer: Closed
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (KS).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was signed up for Charles Schwab bank account without my consent in XX/XX/2017. I received a legitimate XXXX XXXX  XXXX XXXX XXXX debit card and several check books via USPS. I also got other pieces of mail welcoming me to the XXXX XXXX XXXX XXXX XXXX   Checking Account. 

I called the Schwab customer service line and was connected with a fraud agent. He alerted me that someone else had provided them/stolen my social security number, my address, and gave them a fake XXXX  address. I guess that 's all you need to get signed up for a bank account. 

The fraud agent assured me that the account had not be opened and that my ssn number was probably stolen over the internet. He gave me some advise on how to keep my personal information secure, which was nice. However, the subtext was that it 's my fault someone fraudulently signed me up for an account. 

I have no proof but a small part of me thinks Schwab got the scant information about me that is needed and sent me the debit card and and checks in hopes I would officially open the account. 

In short, I believe Charles Schwab, and other financial institutions, must require additional verifications before an account is created in someones name. If not done upon their own volition, they must be regulated.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am included in the list of potential victims of the Equifax hack that was reported on XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a complaint XXXX MONTHS AGO any Green Tree has not completely responded to my request!!! My MIP has not been removed yet! I need this to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: Nissan Motor Acceptance Corporation continues to harass my family. They call my parents and my siblings numerous times a day and also disclose my personal information to them. I have asked them to stop calling my relatives, as I do not live with them and they have the number to reach me directly. They continue to harass them waking my parents up late at night and harassing my brother as well. I live in a completely different state than my family and I do not want them to continue to harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I was alerted of a credit pull on my Equifax credit report. As I have XXXX Id protection plan in place and have a credit freeze already in place, I am concerned why there is an entry from XXXX XXXX XXXX XXXX Box XXXX XXXX XXXX, XXXX XXXX Credit card $ XXXX XXXX posted today. I do not have a XXXX card and have not attempted to file for any cards. Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries listed on my credit report ( Transunion and XXXX ) XXXX XXXX CREDIT CARD XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 3 times, XXXX 2 times, XXXX XXXX XXXX, XXXX 2 times, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, that I did n't ask or apply for, give permission to, or been associated with in any manner. Also have XXXX different address on my credit report that are not my addresses from XXXX XXXX XXXX XXXX XXXX Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Employer that I have n't worked for is XXXX and XXXX. 
attempted to get these items removed from report due to identity fraud but all credit companies ( Transunion, XXXX, and XXXX ) would not comply. I explain that my taxes and credit has been tempered with on these items listed above.

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 10-11-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Struggling to pay mortgage

Complaint: I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only 80/20 loan. The 80 % was a 5-yr ARM and the 20 % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now XXXX ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired in XXXX XXXX and in XXXX of this yr they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XXXX then just stopped paying both banks, XXXX and Chase. I know XXXX has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent 3 certified letters and the company has violated and failed too : Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 


This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 10/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Problems caused by my funds being low

Complaint: Ive received a number of collection calls from Chase, number XXXX. It appears this is in regard to my checking account, which has been overdrawn since XXXX. They have placed a block or restriction on the account prior from using mobile deposit, I do not have any local branches near me, I am only able to make a mobile deposit into savings. As you can see they make the matter difficult to resolve. They also charge extended overdraft fees as well as make harassing calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, HSBC . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. 


Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation