milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 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: The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: incorrect account on my credit report does not belong to me I am not legally bound to this account XXXX balance owed as of XXXX/XXXX/2016 {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JNR Adjustment Company, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX XXXX company called me around three months ago that I rented a car from them and accident it and give them back I did not rent car from them they have my name address and last XXXX digits of my social when I deny to pay them money they said your wife toke car from us my wife do not drive she do not have driving license they called me many times and forced me to pay them money which I do not owe then the jnr adjustment co called me many times and forced and harassing me to pay them money they also send me a later then I make a police report for identity theft in police report also indicated that they did not find any proof that I rent a car from 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 11/30/2016 about Credit reporting () with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to EQUIFAX disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: My problems started when I got sick bank of america started to deny any help  2007 I   feel they discriminate again me because they alway have excuse for not helping me with with my morgage I have to pay a lawyer to get bank of america out of taking my house away they discriminate against me become I have  XXXX  and the true they they responsible for my   XXXX   and   XXXX   I did n't have this issues before I only had fiscal problems at the beginning my heath problems I was hoping to have  XXXX  and go back to work but they play with mi mind so much that I have gotten feel so badly that I have been in the hospital for trying to end my life I do n't understand why they can do anything they want and get away with it .I hold them responsible for any thing I can do to my self become of this fraud they are committed against me

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit information.

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

Complaint: Upon news reports of the Equifax data security breach, I used the available resources from Equifax to determine if my personal information was affected. Per the Equifax resources, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Since Equifax was breached at times between XX/XX/XXXX and XX/XX/XXXX and did not notify me until XX/XX/XXXX, I believe Equifax to have violated my rights as a credit consumer by not notifying me in a timely manner. They left me exposed to potential fraud against my accounts. 

In addition to failing in their responsibility to notify me in a timely manner, their offer of a year of free credit monitoring - which will auto-renew and begin charging me unless I automatically cancel, is an insult on top of the potential injury.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: m disturbed that TranUnion and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/2018 and reapplied/put back on to my credit file today XX/XX/2018. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

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 08-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a medical account on my Equifax credit report XXXX/XXXX/2015 and the account came by verified and I sent a letter on XXXX/XXXX/2015 stating that the collection agency did not have collection authority on the account because the balance was paid to the hospital and the account is not in collections. Today I receive an updated credit report stating that the account remains the same with a balance and still on my credit report. They did not verify the information

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Balance transfer

Complaint: There 's an option to transfer a balance on my card but I 've never been able to transfer a balance. I 've had this card for about four years and have never been given an offer to transfer balance. But Chase still has the option to do so, I would like to be able to transfer a balance since it 's listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Other bank product/service) with MIDFIRST BANK (OK).
Issue: Deposits and withdrawals

Complaint: A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.

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 06/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: last 2016 I made 2 payment in the month of XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) AND ONE OF THE payment was designated to my principal even though I specifically instructed it to be paid to my loans for the month of XX/XX/XXXX and XX/XX/XXXX.That same month the loan was sold to Bank of America and was n't  recorded. now BofA records shows that I am behind by one month and I am been charged for late payment. Also, the month I paid for was retracted and made to cover the ate charges and now I am behing by 2 months. I have spken to them over 20 times and still was told to send information to the bank and it will be looked into but nothing and nw I am been reported to the credit bureau and foreclosure sent to me

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 05/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several letter to Pinnacle Credit Services LLC with no response from them. They are reporting incorrect information on my credit report every month. They are listing it as a new debt as well as for collection. This has been happening for several months now. I have tried to reach the company but no one is returning my calls or answering my letters. I even have a letter from XXXX of their attorney stating they can not find any information regarding my account. I asked for the account to be removed ; it was removed for 2 months then put back on twice. I got that corrected. I have tried with all of the credit bureaus to have it removed but they say the debt is valid. When I asked for proof they send information through another agency but not to me. This is costing so much stress. I would appreciate someone looking into the matter. It seems to me that I am not the only person they are doing this too. This is so wrong. I am trying to purchase a house but this keeps popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.

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 05-11-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (ME).
Issue: Trouble during payment process

Complaint: Beginning on  XXXX / XXXX /  XXXX   we started autopay on our mortgage loan with US Bank.   The amount was {$50.00} more than the monthly payment and was to be applied to principle. What we discovered is that US Bank has only been applying {$22.00} of that amount to the principle. I called today and they said they would n't go back and adjust but would make sure that the overage was to go to principle only. They said I would need to prove that was what we wanted. I explained that my statement shows the {$22.00} being applied to the principle so that is acknowledgement on their end that they knew the overage was to be to principle. This has been going on since the onset of our loan. I believe it has been going to interest. The amount due has changed periodically due to increase in property taxes, but is still less than what we specified for application when we started autopay. I asked the  CSR  how made the decision where to apply the overage and why no one contacted us? What can we do about this? we can show we 've been paying over the amount due since day one.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: After reviewing my most recent credit report from Transunion, I sent a validation letter to the collection agency. I used the address provided on the Transunion credit report. My letter came back undelivered. This is false information being reported on my report. I then sent a letter to Transunion asking them to remove this collection account from my report as it is incomplete and/or false information. They sent me a letter stating that they couldnt read my letter as it was missing info or was ineligible. I find it hard to believe a typed out, clearly stated letter was either of the things they claim. I just want this inaccurate and false collection account removed from my report.

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 06-10-2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In early 2014, XXXX XXXX XXXX sold my mortgage loan to Everhome Mortgage. I started calling Everhome in early XXXX and on a daily basis and could not get a response. Shortly after, I received a letter stating the foreclosure sale would be cancelled for XXXX. Then Everhome agreed to a modification trial payment plan. I started making my XXXX payment in XXXX 2014 and continued to do so. When my payment for XXXX was mailed in On XXXX XXXX, 2014 my check was returned and I received a notice stating unless I was in an prior arrangement they could not accept the payment. I was already on a trial plan. My home was foreclosed in XXXX. The balance of my home was {$52000.00} dollrs and they sold it for {$68000.00}. My property was illegally foreclosed. Everhome told me that they sent the documents to my home. The only address I ever received my was at my XXXX XXXX . They were aware that my home was rental property and they explanation for foreclosing was because they XXXX the documents to the house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.

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

Complaint: Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.

Company response to consumer: Closed with explanation