milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, the credit reporting agency Equifax announced that it had experienced a major security breach that led to the compromise of nearly XXXX XXXX XXXX consumers very sensitive personal information. The breach according to Equifax went on unnoticed from mid-May XXXX through XXXX XXXX. The information included consumer 's names, birth dates, social security numbers, and more. This information is all that a person who wishes to commit identity fraud would need to succeed. This loss of information, and furthermore the mere fact that this breach occurred, is unacceptable. 

As if a breach was n't bad enough, Equifax 's attempt to assuage all of its customers, which is every single XXXX, was lack luster. The website that they set up to check to see if a person was affected, https : XXXX, seemingly does not return a meaningful result ( https : XXXX ). This is extremely concerning, given that when I personally used this website, it claimed that I was affected. If I can not trust the result of this website to determine if I have been affected or not, what is my alternative? Equifax has failed to provide any clarification on this, so I remain unsure if I have been affected or not. In addition, it has been demonstrated that the website was erected in such a short time, that it was poorly secured itself XXXX https : XXXX ). This website asks for XXXX digits of your social security number to verify impact, which if the website being used to check impact is insecure itself, the risk of other people losing their financial security becomes almost guaranteed. 

I can not help but feel totally helpless in this situation, where my financial security, and many other XXXX consumers financial security, is unknown. 

Other references : https : XXXX https : XXXX? outputType=default-article & deferJs=true

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Sir, lady XX/XX/XXXX my score with Experian was XXXX. 
XX/XX/XXXX Experian lower my score XXXX points to XXXX for no reason whatsoever without an explanation. 
I expected my score to be raised since I have no outstanding debts, no late payments, no inquiries since XX/XX/XXXX and just paid back in full to XXXX card the {$1900.00} used to buy airline ticket to the XX/XX/XXXX Holidays with my family in XXXX. 
My score with XXXX is XXXX as of XX/XX/XXXX. 
I want file a complaint against Experian Regards, XXXX XXXX Last XXXX digits of my Social Security : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. 
First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 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 belongs to someone else

Complaint: On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court Sacramento case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There are two different hard inquiries from Capital One in 2017 one in XX/XX/XXXX, and one in XX/XX/XXXX that I did not do. I do not have a Capital One card or any other services with Capital One. My husband contacted Capital One, because he had the same problem. We both let them know we did not want this done. This issue is not resolved. After the first inquiry then another one pops up months later.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have a Coinbase account with approximately {$62000.00} dollars in it. I have tried 35 times over the last 2 days to attach the front and back pictures of my Driver 's License as requested. They claim that the need arose due to AML rules. They already have my information from when I originally opened the account so this may be a delaying tactic. I have deposited funds and withdrawn funds up until Tuesday morning X/X/17. I have tried loading the documents approximately 10 times via my computer from scanned documents and approximately 25 times from my XXXX XXXX. I do n't believe the site is really working. The failure happens so fast that I bet their servers are clogged. Meanwhile I have lost the opportunity to withdraw funds costing me several hundred dollars. All they have are auto-bots for assistance and no live people. I sent them two e-mails but of course they claim they are being overwhelmed and we should expect a response in a few days. From what I have read on blogs this is a delaying tactic by them and they send form e-mails out as part of their delaying tactic. If they indeed believe they are a financial institution as they state then the State of CA. should investigate them. I have no confidence in 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX X Account Type Installment Loan Date Opened 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 explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX my daughter switched from XXXX to XXXX and signed for a new phone. She signed papers stating to complete a credit check on her name and social security number. The XXXX employee did n't run her credit but ran mine with my social security. I did not sign for this to be done and I was not even in the store. I find out two weeks later that the account is in my name after the employee called me from my daughters phone and stated and assured me that he ran my XXXX year old daughters credit and not mine. He also stated that the account was in her name only. I have papers signed and dated with her name only. I have requested to XXXX 6 times to remove my name from the account and they ran my credit report without my consent and authorized my daughter to update, open, and get a new phone and sign a contract with my name attached and I was not there nor did I give permission to use my name or credit report at anytime. I have since talked with the escalation department to : XXXX, XXXX, XXXX, XXXX & XXXX reps in the store : XXXX & XXXX? 
to no avail of anything accomplished. I was told I may not access the account because I did n't know the pin - but yet my name is on it and it was done without authorization. I have not been able to remove my name from this account that is not legal. Please advise? These two reps in the store clearly completed this transaction to make a sale and it was done illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with Financial Credit Network Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello,. 

I first received a letter from FCN dated XX/XX/XXXX. I immediately disputed this debt ( letter attached- XXXX sent vis USPS certified mail ) as this debt is not mine NOR did I agree to this debt NOR do they have any proof I owe this debt. 

I then received a second letter from FCN dated XX/XX/XXXX including some sort of statement of account ( attached- XXXX ). This statement did NOT verify the debt in any way. It did NOT provide any information I requested : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I then sent another letter to FCN dated XX/XX/XXXX (  attached- XXXX sent via USPS certified mail ) stating that they had failed to verify the debt, thus requesting they stop attempting to collect on the debt I do not owe. 

Yesterday, XX/XX/XXXX I received a voicemail message ( not a recording ) asking me to return their call. In my letter dated XX/XX/XXXX ( attached- XXXX ), I requested them NOT to call me. Violation again. 

Today, XX/XX/XXXX, I received another letter from them ( attached- XXXX ) stating that MY documentation was insufficient and that I owe the debt. This is very ironic as I am using my LEGAL RIGHTS and THEY have FAILED to provide any verification as requested by me and required by law in my requests : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I am tired of spending time, stress and money on a matter that is not mine. I am writing to you in hopes to get this removed immediately, without any further legal action. 

Thank you, XXXX 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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX   XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History

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 05/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Customer service / Customer relations

Complaint: I recently applied for and received an American Express Delta Skymiles credit card. I since activated it and used successfully for XXXX internet purchase. I tried to make a XXXX shortly after and it was declined. Not being familiar with AmEx I thought maybe the merchant just did not accept american express and they did n't have anything specifically stating whether or not they accepted amex. I tried to use my AmEx card to rent a car at XXXX XXXX rental at XXXX airport in XXXX SC several days later and was told that the card was declined. I called the customer service number on the back of my card and was immediately transfered to the fraud protection department. The representative asked for my name and birth year to verify my account. I provided the correct information, then the representative asked if I had the reference number that was left on my voice mail. I said that I did not, he checked to see if there was another way to verify my identity and after a few moments he said he was sorry that he was unable to verify my identity and I asked what was wrong, he said my account was flagged with a fraud alert. I explained that I had n't received any missed calls or voicemail. He said to keep the line open and they would call back within 72 hours. I went online and signed into my account to see if there was anything I could do from there. I noticed there were XXXX numbers on my account, my work number and my cell phone number, XXXX of which I can not edit and which I can only see the last XXXX digits. After that i figured what may have happened is that they may have called the office/work number, which is the main number and not my direct line and either does n't have voicemail and if it does i do n't have access to it. I called back and explained to the representative my situation, she said she would remove the reference number and would call me back. I asked to please call me back on my mobile number and she said not to worry they would try all phone numbers on my account. I did not receive any call and over a week passed by. I received an email this morning stating my account would be close due to a fraud alert and they have been trying to contact me but could not reach me. I called back this morning a little irate and told them this was getting ridiculous, they lady said she would have a supervisor call me back and ask if there was a preferred number. I gave her my mobile number which is listed on the account, I still have not yet received a call. I just want to use my account, this is very frustrating and it feels like some kind of scam. i have since received a bill/payment due date for my XXXX purchase, yet they wont call me back. Someone please help!!! This is the worst experience I 've ever had with a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: Nationstar took over my mortgage XX/XX/XXXX. I have a sale date for XX/XX/XXXX. My advocate, XXXX XXXX contacted Nationstar prior to the XXXX XXXX, and days and every week but they did n't have me on record yet to work with them. XXXX XXXX dated letter with loan specialist XXXX XXXX was received on XXXX XXXX. On XXXX XXXX XXXX XXXX filed application for short sale, ( I had to file bankruptcy since XXXX after 4 years as I thought we were at modification instead, notification of transfer soon after sale date ) modification application could n't be done until BK was dismissed. My BK was dismissed the end of XXXX and my advocate spoke to Nationstar XXXX XXXX for modification application and was told my mod app was closed on XXXX XXXX because it was opened on XXXX XXXX and no paperwork was presented. What? He was also told you ca n't have application for modification and one for short sale at the same time. So short sale application was stopped and I called XXXX XXXX for modification application by email and mail. Nationstar sent my loan specialist XXXX XXXX dated XXXX XXXX received XXXX XXXX. I mailed application in XXXX XXXX it was returned to me on XXXX XXXX with zip code incorrect. I had returned XXXX XXXX 's phone call missed on the XXXX and again the XXXX now to get her fax number to send application to her directly. Then 3 calls that XXXX because now I 'm in a panic because I received sale date for XXXX XXXX. Finally XXXX returned my call and I was told too late with sale date for modification or short sale. Also told she would present a buyer with escrow proof etc. Have my advocate call with their details and she 'll present it. He called a couple of times with the 24-48 to return your call and no return call at all. I had so hoped for the opportunity for a fair chance to modify. XXXX XXXX and their lawyers XXXX XXXX XXXX have tried to steal my home over originally less than {$3200.00} and their 5 % interest only mortgage. With lawyers and advocates, organization helping to save my house? XXXX adults together with income over $ XXXX./mo. My mom XXXX and I have been there since XXXX, XXXX. My daughter and their family since XXXX. Grandchildren are set in progress schools in specific districts. My second daughter with XXXX from XXXX XXXX in her home is back here last week, back in a XXXX after a year of improvement, since her rental has XXXX XXXX now. After returned checks, chapter XXXX we have tried desperately to intelligently save our home. I could n't rent a room with my credit now. I can not believe I ca n't get the chance for help from these programs. I 'm a spec in the ocean. So sad and unfair. The payments and monies I 've spent to have nothing paid on principle. The arrears with all the legal fees, a crime, but I still want stay in our home and pay for it!! We are good, honest people. We are NOT trying to con or not pay. We are trying to save our home!!!

Company response to consumer: Closed with explanation