milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't Equifax be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with Equifax picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ). 

My hope is that the CFPB takes a strong punitive stance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (FHA mortgage) with TIAA, FSB (OH).
Issue: Loan servicing, payments, escrow account

Complaint: they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Auto) with Grant & Weber (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.

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 11/18/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NM).
Issue: Account opening, closing, or management

Complaint: Not long ago I signed up for a new bank account -- checking and savings -- with USAA XXXX. I 've had auto insurance with this company since active-duty service XX/XX/1980. I 've also had XXXX secured loans from USAA for about {$2500.00} that I paid back on time. Since opening these bank accounts, USAA has denied me a secured loan, and denied a credit card, also. My XXXX score is right on the line, XXXX, and my history of all mortgage and auto, credit cards payments, is all good for years now. Also, my primary bank XXXX, XXXX XXXX XXXX XXXX, recently approved a {$3000.00} credit increase to my XXXX XXXX Credit Card, based on my credit history with them. So USAA is wrong on this and I want this error in their judgment addressed so that I can justly receive a credit card with USAA. That is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX/XXXX/XXXX We 've stolen our a merchant credit/debit card machine ( attached by police report ) by robberies. 

XXXX/XXXX/XXXX We called to report for Bank of America Merchant Service that fraud transaction total is {$95000.00} and they credited it back to account. 

XXXX/XXXX/XXXX The Bank of America Merchant Service charged fees that is {$1800.00} and called them to ask about it. They will investigate it and check it. After that no response. 

XXXX/XXXX/XXXX XXXX : {$7100.00} First, Received a phone call to charge back from Bank of America Merchant Service Collection Dept. and they said that we have to pay {$7100.00} for multiple charge back and fees. They did n't give any solution it and called a BOA merchant service to figure it out what is going on and they made case no. XXXX. 

XXXX/XXXX/XXXX We called again to BOA merchant service collection Dept. and gave increase amount that is {$9800.00} and then we asked why is more than before. An agent said that more charge back and gave another security Dept. # with a special agent said to refund only {$1500.00} credit back to account. 
We talked her why fraud transaction total amount {$95000.00} for charge back to us {$9800.00} then she said that gave back to us only {$1500.00} amount. 
She only said that they can do only for credit {$1500.00} back amount and she did n't explain well and not understand to refund the full of amount we got charge it back.

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 12/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. 

The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. 

The collection company has re-aged the false debt in its reporting as a matter of fact. 

The company has failed to act on my request to stop collection efforts and return the file to the creditor XXXX XXXX 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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have advised Experian of a collection account from XXXX XXXX that it dose not belong to me. However, they still continue to report, with any supporting documents. It 's also been removed from XXXX XXXX XXXX, which is an Experian product, and it 's reinsert.

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 04-04-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (IL).
Issue: Trouble during payment process

Complaint: Stearns lending customer support phone number XXXX has been unreachable for at least five business hours on XX/XX/XXXX from XXXX-XXXX ET. Additionally, their XXXX login for my account mysteriously stopped working on XX/XX/XXXX with no ability to reset the password online without contacting customer support - again which is down. Stearns lending failed to implement escrow payments for my taxes and insurance as previously set up on my mortgage when it was transferred to them in XX/XX/XXXX. This caused late tax payments in XX/XX/XXXX which I had to pay out of pocket. The escrow setup for my taxes and insurance was attempted to be resolved in ticket XXXX on XX/XX/XXXX. After receiving no response I emailed them again on XX/XX/XXXX. I ultimately had to contact them via phone to resolve the situation - which they still proceeded to fail set up escrow for my insurance. Unfortunately they still have not correctly set up my insurance payments and it has lapsed. Due to these multiple inabilities to provide basic loan servicing I am registering a formal complaint due to time spent and financial burden I am incurring due to their failures. I currently have a new ticket XXXX regarding requesting again the escrow setup for my insurance.

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 03/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Bankruptcy

Complaint: I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Not to mention, it 's reporting me as late for XX/XX/XXXX when XXXX is n't even over!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original creditor

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

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 08-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In response to an earlier answer from Wells Fargo. Wells Fargo used dual tracking a clear violation of regulation Z and CFPB servicing rules. 
1. Foreclosure judgment filed in XX/XX/XXXX while I was attempting to modify the loan. 
2. After they filed a judghement in XX/XX/XXXX - Wells Fargo sent me correspondence to modify the loan in XX/XX/XXXX. In XXXX XXXX, XXXX, I received documentation from Wells that they were missing documents. All documents were resent in XX/XX/XXXX and the loan was modified in XXXX XXXX. But in XX/XX/XXXX while I was on a modified loan, wells fargo chose to change the locks to my home and discard of all my personal belongings absent a court order to do so. When I contacted wells fargo they told me the house was foreclosed on in XX/XX/XXXX, I asked under what grounds, they did n't have an answer. Their atty .filed for bankruptcy as a result of fraud. We were defrauded by Wells Fargo and they have to pay me damages for their deceptive and fraudulent actions. They deserve to be shut down. I have gone through several years of mental anguish because of them. 
Under the servicing guidelines they violated every rule. 
The rule restricts " dual tracking, '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 
I require full compensation, I will notify every news channel and federal court regarding Wells Fargo Actions. I have already notified the office of atty general.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time  my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Payday loan () with SANTANDER BANK, NATIONAL ASSOCIATION (MD).
Issue: Can't stop charges to bank account

Complaint: I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 03/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.

Company response to consumer: Closed with explanation