milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2016 I purchased a new car .At that time no collection was listed, but on XXXX XXXX 2016 a report was listed as collection for $ XXXX.I do not have any idea what this is or whom it is from. It is not mine. I call Equifax at XXXX XXXX XXXX XXXX and all you get is recordings.Never can one speak to a LIVE PERSON. Account number XXXX that was given to me when I made a purchase on XXXX XXXX 2016. Due this error my score dropped over XXXX points. Equifax has a history of entering bogus information. They go by name and SSAN or address plays no role in their determination of how it is entered. This is not the first time this has happened to me personally. 

I would like to have this information removed from my report and to be made aware of what company entered this information. 

I ca n't contact anyone direct -- I have no idea of whom it is..

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

Complaint: On or about XXXX XXXX, my information was improperly used to attempt to open a line of credit with XXXX XXXX XXXX. I had made no application with them and I contacted them to notify them that this was fraud. 

I was advised to place fraud alerts onto the 3 major credit reporting agencies. Equifax, XXXX XXXX XXXX. When I contacted each of them to place this alert, only Equifax then redirected me to sales to attempt to sell me credit protection services for over $ XXXX. I wo n't even go into how tone deaf the person was and their attempt to trick me via standard telemarketing tactics. I will say it does n't surprise me that at all that they would resort to the same slimy tactics as fake vacation voucher reps. 

I then placed freezes on all 3 reporting agencies. For the privilege of not having my identity stolen through a service they provide without my consent, I was charged {$10.00} by each of them and will be charged more to have it removed. 

Fast forward to yesterday XXXX/XXXX/XXXX when Equifax announces they had a major data breach in XXXX. I am very careful with my information and find it more than a little likely that chain of events went a little something like this. 

Equifax provides negligent stewardship of high value personal information for millions of people. Hackers steal it. Equifax then tries to sell me the privilege of having them protect me from the situation they themselves caused. When I want to tell them to not provide this information without my advanced consent, Equifax charges me {$10.00} to freeze it and I can pay to have it unfrozen later if I need it. Then to make sure no one has used my identity for any other fraudulent activity, I can either wait 6 weeks for them to send me a report or I can pay them more money. 

Equifax should not be permitted to sell services that protects from their own negligence and the extremely poor security around the core consumer credit market. Identity theft is trivial because the brunt of the damage and liability is not borne by the companies whose duty it is to protect. 

Legislation should be introduced that requires real security on credit portfolios and proper identification of the borrower before credit lines can be opened. The credit card companies finally figured out that they have to do something about the fraud because they were on the hook for it. It 's time for the credit reporting companies to feel the same pain or this will never end.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with AFNI INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently checked my credit and I noticed my reports for  XXXX , Equifax and   XXXX   contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  EQUIFAX  XXXX -  XX/XX/XXXX  Equifax : EQUIFAX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX  : EQUIFAX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also t hin k that it is strange that the multiple pulls from Equifax and   XXXX   XXXX   were  placed on several different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collections notice from Credit Protection Association regarding a XXXX XXXX debt. Originally, after changing banking information with XXXX XXXX, I received a {$25.00} fee, which I disputed. After speaking with " Billing '' in Customer Service at XXXX, I was told the fee would be taken away if I continued service, in which I did not wish to do. I was then told I would be sent a " Final Bill, '' which included about 2 months of service and the {$25.00} fee for a total of around {$86.00}. I then wrote a letter to Customer Care at XXXX XXXX XXXX in XXXX XXXX, CA and sent a {$43.00} money order for the last month of service I had told them I would pay. On XXXX XXXX, I received a collections notice from the named collection agency regarding an attempt to collect {$42.00} of the remaining debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. 

XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.

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 08/28/2017 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. 
Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved.

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