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

Complaint: My information was stolen in the Equifax security breach that occurred XXXX-XXXX 2017. I was not informed of this breach until early XX/XX/XXXX, and had to find out via website set up by Equifax rather than being notified of this directly ( www.equifaxsecurity2017.com ). Having to check via the website would not be as much of an issue if the website ITSELF was n't unsecured. It is a stock XXXX  installation ( definitely not high enough grade of security ) with a TLS certificate that did not provide proper revocation checks. The domain name was n't even originally registered to Equifax. The website was even flagged by XXXX ( owned by XXXX ) as being a suspected phishing threat because it is so insecure! 

So in order to find out if my information was stolen, I have to supply personal information to an insecure website set up by the very company whose insecure practices led to my information being stolen in the first place. 

Finally -- I have set up security freezes on all my credit reports. But I had to pay Equifax for the security freeze I need due to Equifax ITSELF losing my information. Furthermore, while I was issued the PIN, anyone who has my stolen information could call Equifax and claim they lost it because one can get the security freeze on my Equifax report lifted without the PIN using the very information stolen from Equifax. 

Essentially, Equifax has not only enabled my information to be stolen, but its procedures for dealing with the issue are themselves compromised by more examples of Equifax 's poor security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.

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 07/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, I noticed several large charges authorized on my Amex account ( on my mobile app ) from a merchant I had never heard of. I immediately called American Express to report the Fraud. Several calls and several broken promises later, no one can tell me the status of these fraud cases, no one can tell me when credits will be issued, they 've been unable or unwilling to stop this merchant from charging me and they 've sent my replacement card to my former address, despite my giving them my new address several times. While I 've been assured that I wo n't be financially liable for the fraud, they refuse to put that in writing. Likewise, it appears criminal ( s ) have XXXX account numbers that they continue to charge while a replacement card is now floating around in Minnesota while I 'm Arizona. I 'm feeling very exposed to further financial damages, identity theft, and am not able to use the account I 've been using for my day-to-day expenses for several years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.

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 10/19/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: Account Information : XXXX Dodge Ram truck was asked to be picked up by Chrysler Capital XX/XX/XXXX due to a complaint filed with the Texas Attorney Office due tofraudulent signatures offered at sale of truck from XXXX XXXX of XXXX, Tx. Nowa year after Chrysler Capital took possession of vehicle and sold truck. A collectioncompany on their behalf has put erroneous credit bureau information on all XXXX majorbureau 's expecting a balance of {$15000.00} dollars in after market sale to auction of a contract forged for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a Equifax data breach on or about XXXX XXXX. I checked the Equifax official website on XXXX/XXXX/XXXX and was told I that there might have been identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
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: This is my 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MI).
Issue: Unable to get your credit report or credit score

Complaint: The compliant is my mortgage payments are not being sent to the three credit bureaus. Shellpoint mortgage states since I was in a bankruptcy, and discharged they would not report my payments. The representative stated, I would have get a home modification loan or refinance the loan. This makes no since, my loan will be paid off in XX/XX/XXXX. Shellpoint purchased this loan from XXXX. XXXX immediately started reporting payments after I was discharged in XX/XX/XXXX. I tried talking to XXXX to make sure Shellpoint received all the required documents. XXXX representative XXXX stated that all the rules should be the same for mortgages ; but I would have look into it. XXXX stated that all documents were sent to Shellpoint. I had the same problem with XXXX when my Chapter XXXX Bankruptcy was discharge and I had to notify CFPB to rectify the problem. Shellpoint loan number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing multiple incorrect Public Records and Collection Account to be removed from my Equifax Credit Report but they refuses to allow me to dispute these XXXX Public Records and XXXX Collections Account which does not belong to me. 
I have tried multiple time to resolve it, but now Equifax has locked me out completely when I try to dispute these XXXX Public Records and XXXX Collections Account. 
I wrote to them 3 times with no response in the past 60 days Some items are over 10 years old. 
XXXX and XXXX were very helpful and removed negative items within 30 days I need HELP PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Unexpected or other fees

Complaint: someone hacked my online account on XX/XX/XXXX with American Express Serve. I had my debit card from another account linked to the XXXX card, that person transferred {$100.00} to my XXXX card. XXXX ( my phone company ) withdrew that amount & more the same day. I filed a dispute with XXXX because XXXX was n't suppose to take that much off my card. I called a week from XX/XX/XXXX to find out what was going on with the dispute & a rep at XXXX told me that the dispute was closed & there was nothing they could do because XXXX had took the money off the card. So I paid off my debit card & moved on. On XX/XX/XXXX XXXX so called " transferred '' the {$100.00} back to my debit card. I was not aware that a investigation was still being done. As of XX/XX/XXXX I have n't received the money on either card & have been given the run around about what they are doing next. I asked to dispute it & I asked for the money back many of times. XXXX states that another department is reviewing it & all of my transactions on my account. I was told on XX/XX/XXXX, it took 7 to 10 days to review my account. I asked for emails to be sent to that department & still have n't heard anything regarding this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ND).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had  Chase Credit Cards  for 20 Years. Suddenly, TODAY, they closed  All   XXXX  of my  Chase Credit Cards  without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very  High Credit Lines, and always Paid on Time.  Never carried Any Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Medical) with Alorica Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan modification,collection,foreclosure

Complaint: XXXX CFPB casses compaints against wells fargo bank [ morgages ] wells fago bank has comitted fraud and perjury in courts across america, THAT MEANS ALL FINAL JUDGEMANTS FROM XX/XX/XXXX to XX/XX/XXXX SHOULD BE ANNULLED and propertys stolen by fraud and perjury should be returned or the total value plus interest to date and jail for all that took part in this criminal act of crime and this is more important than acounts that were falsly set up THIS IS A DELIBERATE ACT TO COVER UP OR DECEIVE JAIL FOR CROOKS

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
Consumer complaint received 10/23/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: I Have A Paypal Account And I Have Had It Every Sense 2014 And I sold an item around XX/XX/XXXX On Ebay and I Sent A Invoice And When I Went to my Paypal Account To See If The Buyer Had Paid There Was A Message Say You Account Has Limitations For An Unauthorized Transactions So I Contacted PayPal And Talk With Several People They Was No Help Some Of Them Had Nasty Attitudes And Was No Help So I Want You 'll To Investigate This Matter Because I 'm Getting The Run Around And It 's Not Fair

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done

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 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX private student loans with chase - all from the same type of loan program. All of the loans have completely different interest rates and I feel that chase is choosing the loans with the highest balance and associating it with the highest interest rate. this is not a fair practice as I am actively and unsuccessfully able to make these loan payments. How can a XXXX $ loan bear interest of 10 % while a lower amount loan bears interest of 5.9 %. This is completely and utterly ridiculous and making it impossible to get out from under this debt. I am again, desperately asking for some type of loan modification to bring these loans to a status that myself and cosigner can successfully pay. This practice of charging extremely high interest rates to customers is a awful business practice and needs to be investigated. Chase has been willing to temporarily reduce my payments - when the payments return to the full amount there will be a XXXX % default on my end as it is IMPOSSIBLE to pay the amount asked. Again, I plea that we can come to some type of agreement to modify loan terms or some type of forgiveness because the direction we are headed is not goign to turn out well for either parties as I desperately want to pay these loans back. If anything these rates should be lowered and chase should be investigated for predatory practices as no one my age and with my salary would ever be able to pay these loans. The loans were given without school certification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DE).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I feel discriminated against because I am a successful XXXX XXXX, with good credit, and XXXX with multiple XXXX XXXX. I applied for a Business Card with chase. I was declined, I contacted them for a reconsideration. I was advised I opened too many cards in 24 months. I asked to further explain. XXXX, whom I spoke to on XX/XX/2017 who was extremely rude and refused to escalate the phone call, advised that 7 credit cards over a span of 24 months is a risk. Note I have an outstanding credit score. He threatened to hang up on me. I decided it was going no where so I decided to call back and speak with someone that could assist me. I reached XXXX, same decision, did n't even ask any questions about my business ( net profit, loss, gains, type of business ). Just declined me. <P/>Keep in mind, I requested a MANAGER both times and ended up speaking with basic representatives that only handle escalated calls. Both times they refused to get me to a MANAGER. Once again, I feel discriminated based on gender, race and being a competent credit user.

Company response to consumer: Closed with explanation