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

Complaint: Equifax 's data breach, ending in XXXX XXXX, was not announced till XXXX with no remedial action for individuals unless opted-in. Instead, I can only check if I was a victim ( I was ) by waiving my right to participate in legal action ( only later clarified not to be the case after the NY Attorney General requested clarification publicly ). Furthermore, the identity protection offered as compensation ( which was not clarified to have included waiving right to participate in class action ) lasts only one year whereas the fraud can be committed as long as the information stolen are valid. 

The massive delay between response, not to mention the Equifax CFO and other executives selling unscheduled shares, only indicates unwillingness to shoulder responsibility of data theft. Now I must place credit freeze with all credit rating agency at my own expense, freezes that I must now maintain for life as the data stolen only expires after my XXXX 

Too add insult to injury, Equifax 's security freeze can be unfrozen with a 10 digit pin - generated based on the date and year when the freeze was submitted. If I submitted a freeze on XXXX XXXX, XXXX, my pin will be XXXX. Given the rush to protect one 's credit, I am certain a four digit combination is n't enough to protect the 143 million affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with Vital Solutions, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company, Vital Recovery Services/Solutions, has repeatedly called my father-in-law 's home phone number and left unsavory messages on their machine. Finally, on Monday XXXX XXXX, after calling my father-in-law 's number 5 times, he finally answered. The representative for Vital Recovery Services then proceeded to tell my father-in-law about my debt, and that I owe all this money and that I need to pay. When he told them that I do n't live there, the rep for VRS then asked how else to get a hold of me. First complaint : I have settled this debt with the creditor that VRS is harassing me about. Second complaint : Vital Recovery Services has been harrassing my phone as well as my father-in-law 's phone constantly. I have not lived at that address ( my father-in-law 's house ) in 10 years. Why and how does VRS have that number? Third complaint : the representative for VRS willingly and knowingly gave information aboit my debt to a third party that had no business knowing that information. Not only did the rep give out private information about my debt, but it was the wrong information at that!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with U.S. BANCORP (MN).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. 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 non-monetary relief
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.

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 06/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: refuses to close account because XXXX XXXX XXXX people and refuses to close unless paid off first. 

secondly, refuses ( never resolved ) to remove fraudulent charges and continues to slander my good name w inaccurate info. This stops today. inaccurate reporting will be stopped thru id theft services. I will sue to correct it. 

I have had no relations w XXXX XXXX since XXXX, when I moved to XXXX. They refused to reissue my card on the ACTIVE ACCOUNT and are lying to you and FDIC w six mos dated info, as is typical to avoid lawsuits. They repeatedly do this and sent you inaccurate info. 

spurious charges were doubled, never removed and when invoking fcra rights I am penalized further. If my rights truely exist then help me fight XXXX companies like this and keep them from dodging the law. My debt is disputed for the entire card line, as also marathon ( cant prove on video charges are mine ), and XXXX XXXX XXXX ( another extortion. XXXX lawer refused to help, but wont offer me another line unless paid off. sent me a notice claiming not collecting debt as declared bankrupt. ) These are ways to deny unlawfully good credit after people have illegal acts that violate other areas of thier lives.This is taking advantage of the consumer and extortion.I will not have any CRA files from anyone ( most of which are illegal resallers ) extort my good name w false and demeaning info which is not accurate. prove to me beyond a billing statement that I owe you anything ( aka never disputed ) or the debt is not owed and must be removed. Refusal to remove inaccurate data must be XXXX w a FEDERAL CIRCUIT COURT LAWSUIT. It is not up to the consumer to do this, nor are they able. Nice move, cfpb and FTC ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (IN).
Issue: Managing the loan or lease

Complaint: My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I applied for a home mortgage with Wells Fargo bank, the process started on XXXX XXXX the banker agents in charged of this loan were XXXX XXXX, Home Mortgage Consultant Fax:XXXX Office : XXXX Ext:XXXX XXXX, NMLSR ID XXXX and XXXX Mortgage Processor ( Lo ) Office:XXXX Ext : XXXX XXXX NMLSR ID : XXXX. The process was slow because I could n't find a house for the amount I was approved for, first I was approved {$350.00}, XXXX however i found a house priced {$230000.00} and with a {$11000.00} down i was putting and a negotiation with my attorney i received a credit from seller which made the loan amount to go down to {$200000.00}. The bank requested a lot of documents to verify my income, and everything they asked me for i submitted it to process the loan, I have gotten several commitment letter from Well Forgo stating i qualified, the only reason the real state agent gave me show me the houses were because i had a pre approved letter. The bank consultant requested to do an appraisal in the house i gave them my credit card paid for it and it was done under the assumption that i had the loan and i also paid for the house inspection. i spend the appraisal money and house inspection money because the bank reassurance that i would have the loan to buy this house. Wells Fargo for five months made me spend money for the appraisal, i paid an attorney fees, put a down-payment and for {$2500.00} down to start up the contact, i rented the place where I 'm leaving now and i packed all my staff, consulted a house insurance and changed my car insurance to be with the same as the house Wells Fargo approve the loan for until the beginning of this month XXXX they at the last minute denied the loan because according to XXXX and XXXX my income Ratio was to high. My confusion is that since day one they run my credit report and seem all finance they knew what i had from the start why putting my hopes high and allowed me to spend money in appraisal if they knew i would n't be able to get the loan. i want an investigation to be done and my money to be returned. I did everything they asked me for and participating providing all my finance information they reassurance by giving me commitment letter and at the last minute they back-down.

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 02-09-2018 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 status incorrect

Complaint: The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX doctor 's bills for services rendered and after the payments were received the doctors office/health group changed their processing company and lost record of my payment. They then reported me to a collection agency as unpaid and my credit score has gone down significantly. The collection agency has given me XXXX amount that was owed ( {$170.00} ), while the doctors office and the medical billing have given me XXXX different amounts each ( {$140.00}, {$120.00}, {$40.00} and {$340.00} ....??? ). I 'm still not clear the original amount owed. I have called the collection company and the medical billing, as well as the medical office and my insurance to make it clear I had already paid. When I finally got a hold of someone who can actually help ( which takes hours! ) they admitted the mistake and said it was an easy fix. The first time I was told this was XX/XX/2015. Since then nothing has been done. I called again spending hours trying to track down the correct person to speak to and again was told they saw the notes on the account and it 's an easy fix, they said they would update the investigation and expedite it. That was 5 months ago and the delinquent marks are still on my credit report as unpaid. I 've spent a lot of time and energy being mindful of my credit, I do not appreciate these people admitting the mistake but doing nothing about it. I do n't know what else to do and I need your help. I 've attached the checks that were paid to both medical groups as well as the check to pay the doctor directly. This is on top of the {$100.00} I paid in the office upon check out for a total of {$290.00}. I do not think my credit score should suffer due to these mistakes which I have no control over. Where do I go from here? 
Thank you

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from   XXXX   stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 08/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: To the attention of Specialized Loan Servicing : #  XXXX  After man y attempts to resolve the issues that have been submitted in prior complaints, there has been no effort or attempt to investigate or look into the issues we have brought to the attention of Specialized Loan Servicing ( SLS ). I have informed you that these documents alleged to be my loan agreement are not the papers I signed at any time. So it stands to reason you have no authority from me or my wife to be collecting o n papers I did not authorize.   PLEASE NOTE TH AT ALL PAST, PRESENT AND FUTURE PAYMENTS ARE MADE AND HAVE BEEN MADE TO PROTECT US FROM HARM AND ARE MADE UNDER PROTEST AND WITHOUT PREJUDICE.

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 02/25/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I bought this property in XXXX, XXXX. We owned a home in XXXX, but this was going to be our retirement home.The 30 year fixed mortgage was with XXXX XXXX at an interest rate of 6.875 %. When Countrywide went under the mortgage was picked up by Bank of America.With the housing collapse in XX/XX/XXXX-XX/XX/XXXX we couldn't sell the XXXX house ; we were paying on both mortgages. I was still employed by XXXX XXXX, but was " retired '' in XX/XX/XXXX. The XXXX house finally sold in XX/XX/XXXX, at which point we tried to refinance the XXXX  property.The 1st result was they agreed to a short sale, which we rejected. In XX/XX/XXXX we applied for a loan modification, which they made extremely unpleasant. In XX/XX/XXXX they approved a loan modification, decreasing the interest rate from 6.875 to 6.75 % .They said they couldn't change the term-18 years left, but we should pay the new monthly payment and at the end of 18 years we would owe them a final payment of {$750000.00}. So, in addition to a usurious interest rate, this would increase our total payments to them over the 30 years by another {$250000.00}. I'm XXXX, XXXX  military ( 23 years XXXX ), and have no income other than my XXXX   military XXXX, my social security, and disbursements from my 401K. The balance on the mortgage is {$820000.00}. I was hoping to achieve a reasonable interest rate and would have preferred a 15 year mortgage.Any help would be greatly appreciated

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 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I agreed to a 12 month lease at the apartment complex, XXXX ( XXXX ) in XXXX, Ohio from XX/XX/XXXX-XX/XX/XXXX. This agreement was upheld by both parties through completion with no issues. Toward the end of the 12 month lease, I provided my 45 day notice of termination ( email sent in late XX/XX/XXXX ). After I provided the notice, I inquired by email about potentially staying an extra month but I did not receive nor sign any new terms for a month to month agreement. The apartment complex, however, took my inquiry as a contract and signed me up to stay in XX/XX/XXXX without me agreeing to the new terms. I moved out on XX/XX/XXXX as per the original and ONLY agreement that I ever saw or agreed to the terms of. 
Simply put, I am now unable to get a loan because the apartment complex sent my supposed XX/XX/XXXX rent payment to a collections firm, FabCo ( Federal Adjustment Bureau , Inc ) and they, in turn, reported the non payment to my Credit report. The collections firm can not provide the XX/XX/XXXX/month to month contract ( because it does n't exists ) but they claim my email to the apartment complex is sufficient, even though there is nothing in the emails pertaining to the terms of a new agreement. I have sent several emails to other apartment complexes, XXXX private sellers about cars, etc. telling sellers and companies them that I want something, but I have never been held liable for something unless I see and agree to the terms of the agreement, until now. 
Fabco suggested that I hire an attorney or else pay it. Apparently they feel that you can hold consumers to the terms of an agreement without a signature or acknowledgment of the terms of said agreement, and an email without confirmation of the terms is sufficient. This is the only credit reporting issue that I have EVER had. I pay my bills every month and have ( had ) an exceptional credit rating. and while I 'm tempted to pay this to get it off my credit, I can not imagine allowing this poor business practice to prevail.

Company response to consumer: Closed with explanation