milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers  is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On  XX/XX/2017    I was contacted by someone  at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was  XXXX  would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one  else associated with Ally financial. After a long and frustrating conversation with  XXXX   I was t ransferred to  XXXX  the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally  XXXX  told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an  hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes  XXXX  came back to the line and stated that  XXXX  was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded.  <P/> For reference purposes the phone number that contacted me was  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 10/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my XXXX XXXX XXXX now Navient ) student loan since XX/XX/XXXX and I have never had a late payment or missed payment, however my grandmother and co-signer passed away. Now XX/XX/XXXX, my loan has been transferred to XXXX XXXX and they are demanding that I pay my loan in full or they will foreclose on my co-signers estate. 
The student loan was for undergraduate studies at XXXX University in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was leasing car XXXX XXXX leaf model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send XXXX of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per XXXX agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as XXXX payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help 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 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.

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 12/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have paid XXXX on to my USSA credit card on XX/XX/XXXX2016. I paid through bill pay through my bank. I have a check # and confirmation #. I have called USAA over 5 times in the last week and they continue to tell me that it has not been paid and to contact my bank. I have since received a {$70.00} interest view. I have requested to speak with a USAA supervisor several times but have not been able to. I have provided USAA with the check number, name of bank, bank contact info and the confirmation number and still USAA refuses to assist me in getting this resolved. In a few days I will acquire a late payment, because they have not recognized my payment of XXXX. I also want to make sure this does not negatively impact my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Trouble during payment process

Complaint: Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. 

Please save me from long responses without answering the question.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have filed numerous disputes and complaints with Innovis on  XXXX  fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts  XXXX  #  XXXX  {$1600.00}  XXXX  #  XXXX  {$1100.00}   XXXX   #  XXXX  {$900.00} and  XXXX  #  XXXX  {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It was n't timely, but I did 100 % pay off my student loan debt. However, after checking my credit report it shows that I have a balance of {$0.00} but does not show that I am paid in full. I 've contact Navient via email, phone and fax and this issue is still not resolved. Even when I spoke with their customer service they stated that I do n't owe any money but I 'd have to contact another department that took care of that issue ... but they only accept faxes! I sent a fax with my the copy of the credit report and a letter months ago and have not received a response. If I 'm wrong and owe them, fine, but contact me so I may know.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/24/2016 about Credit card () with Colony Brands, Inc. (OK).
Issue: Unsolicited issuance of credit card

Complaint: Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted Midland Funding LLC in regards to an account listed on my credit report that I do not recognize. They are reporting to the  XXXX  major credit bureaus on behalf of  XXXX  Bank. I have asked Midland to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with  XXXX  Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent o nly 1 letter s aying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (ME).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full immediately.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports 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 explanation