milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent privacy breach at Equifax, to properly secure my credit report I am required to pay to freeze and subsequently unfreeze my credit at a later time due to gross negligence of company that has my personal information without my consent and I have no opportunity to opt out of this. This is wholly unexceptionable and at a minimum their services to freeze and unfreeze reports for the 3 credit reporting companies should be mandated to be a free service provide by them. If it is profitable for the reporting agencies to secure individual 's information, this incentivizes them to not handle this data with the possible level of security. 

Additionally, the potential harm that can be caused to me as a result of the data breech in no way, could be possibly properly compensated by equifax with any possible monetary value short of a receiving an amount of money where I could be considered independently wealthy. Clearly this is not a realistic possibility. My future ability to secure credit for transportation and housing is at risk and thus my well being and lively hood are at potentially in jeopardy. 

I implore all powers that be to take action in a way that is fair to the consumer and protects them when the consequences of failing to do so are so dire. For me, the bare minimum of that would be the ability to freeze and unfreeze credit reports at no cost to the consumer. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Bank account or service ((CD) Certificate of deposit) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Account opening, closing, or management

Complaint: Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: SPECIALIZED LOAN SERVICING has changed the terms of my HELOC, choosing to sell my personal information to non-affiliates. SLS declares that our Total Monthly Payment is roughly {$52.00} per month, for XXXX it is {$52.00}. When SLS assumed control of of our HELOC XXXX XXXX, 2015, I called to discuss my loan terms. I stated that we would send the monthly payment they required by mail, but I did not want a continued ACH draft against our checking account. I also disputed their freedom to share my personal information with non-affiliates. 

My bank is unable to determine which institution is drawing {$100.00} per month, and offered to charge-back the ACH which has occurred XXXX times. SLS now asserts their right to those funds, issuing a Mortgage Delinquency Notice on XXXX/XXXX/15. 

I recognize my indebtedness to SLS, but find their threats to adversely impact my refinance process to be reprehensible. Their report of a Mortgage Deficiency already appears to have impacted our credit score. 

I sought opportunity to refinance my mortgage and HELOC with XXXX to no avail. XXXX assigned XXXX ( XXXX XXXX XXXX ) to service my HELOC in the past. None of their past phone numbers are functional, and SLS provides only a contact with XXXX Bank, which has no information on my HELOC or any other account. 

I have asserted my intent to pay off the debt that SLS claims through a refinance. SLS 's actions threaten to accelerate payments or demand payment in full on the HELOC. They reject the possibility of refinancing just the HELOC. A neighbor succeeded in accomplishing this with a different servicer, so I know it is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX All Purpose Certificate Of Acknowledgment Page is XXXX by the Notary Public XXXX XXXX XXXX XXXX XXXX XXXX sign her name as the witness notary public with her signature stamp Forge my name as ( me ) XXXX XXXX I did not and was not personally appeared to her on XXXX XXXX, XXXX and this page is all sign by the same person and signer name is not my signature nor signer as self this is Forgery and have also filed a complaint with the State Of California XXXX XXXX XXXX notary public section I did not sign the notary journal record book to this document I have had a document company look as this document and all of it is sign and printed by the same person and my name is forged and there are some other issues to some other documents as well as dates and signatures I ask for documents for months and never received then until now. I have at least 8 letters to this issue as XXXX XXXX Mail but no response to the issue until now. 

had several copies mail to me as well with duplicate copies have one package they mail they claim is the same package not open as of yet that I spoke to some one who stated its the same papers and I have not open it in any way. 

I 'm filing a fraud and Identity Theft charge at the police department cant be at two places at the same time as the Notary has claim I 'm a XXXX at the hospital at the time of this loan and still a 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 08/22/2016 about Debt collection (I do not know) with KEYCORP (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: On XXXX/XXXX/XXXX it was reported that Equifax was subject to a large data breach in which millions of users personal, sensitive data was stolen, potentially for nefarious or illegal gain. After checking the Equifax website on XXXX/XXXX/XXXX, I was alerted that it was likely that my information, including name, address, and social security number, was indeed among the lot stolen, putting me at significant risk for identity theft or other abuse of my information. 

It was also noted in the news that several Executives of Equifax sold shares of their company after knowing of the breach but before disclosing it to the public, in, perhaps, a violation of FCC regulations ...?

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX X/XX/16, X/X/16, X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX  XX/XX/16  TALK TO TRANSUNION CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON 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 12/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: Fraudulent charges were made on my account, I have contacted the institution on a daily basis with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Auto debt) with American Credit Acceptance, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.

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

Complaint: On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 11-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Unsolicited issuance of credit card

Complaint: Some how when I logged into PayPal I had a credit check run on me and auto signed up for a line of credit and had and purchase charged to it when all I wanted is for my account to stay the same linked to my account with no want or need for a line of credit. Very deceptive and sneakily sucked me into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I leased an apartment for my daughter last year on a one year lease term. She had been in good standing until the end of her lease which ended XXXX/XXXX/2015. She had called the front office and gave a verbal notice that she would vacate after a one month extended stay to XXXX/XXXX/2015. 
My daughter had failed to deliver her apartment keys until XXXX/XXXX/2015 which incurred subsequent charges due to the front office personnel not communicating with the bookkeeping personnel and was informed that they unable to enter the apartment until that time. As is evident on the move out form the initial date had been crossed out and altered which is fraudulent information submitted and not vetted by the collection agency, I feel that the apartment personnel knew of her move out date and could have entered the apartment at that time and were overzealous in their charges. 
I understand that it was my responsibility to have given written notice to vacate, but due to extenuating circumstances with my health which culminated in XXXX in XX/XX/XXXX, it was not high on my list of priorities at that time. I am a XXXX with limited income and was seeking some relief and resolution of this charge by writing the parent company of these apartments, to no avail since they have not responded to either of my letters. 
I have enclosed a copy of the bill with the disputed charges highlighted. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: my original complaint if number is XXXX. 
I originally filed a complaint against Navient for hiring someone with an extensive criminal background and giving them full access to customers important information. 
The employee they hire name is XXXX XXXX this person was able to gain access to my private information using Navient systems. The person was able to access my full address and social security number. She then called and admitted that she had this information. She further explained and I quote " I do n't know what she is capable of ''. This statement was a direct threat to me and my safety. Once the statement was made I no longer felt comfortable in my home. As time went I found out that XXXX was employed through XXXX XXXX XXXX in my area and was making pizza delivery to my apartment complex. This was extremely scary since I have XXXX XXXX living with me. I decided to call XXXX XXXX to advise but they did n't seem like they were interested in assisting so I called my building manager and asked that he put a stop to it. My building manager was able to complete that request for me. 
I have several police reports/incident reports against this female. The reports were made with my local police department ( XXXX XXXX, NJ ) the report numbers are XXXX and XXXX. In my initial request I asked that Navient inform me if this female did in fact access my information using their computer systems. I do n't feel that my question was answered in my original complaint. This explains the reason I am filing another complaint. 
An investigator who works for navient did reach out to me and advised that the situation is still being investigated but I need a solid answer about what exactly they are investigating and if in fact XXXX XXXX access my information using their system. Or if she gained access using a subsidiary company that assist Naveint. to my knowledge my information was access at a XXXX. XXXX, NJ branch I believe it was through a company that is a partnership of Navient.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with XXXX bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, Fla.XXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to Experian, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XX/XX/XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received Experian 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
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
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 name is  XXXX   XXXX , my social security number is  XXXX .     On  XXXX   XXXX ,   XXXX   I filed a dispute with Equifax that was resulted on  XXXX   XXXX ,   XXXX  . Confirmation number  XXXX . Regarding a public record on my file that had been paid. My request was to have it deleted. The credit report agency reflects that it has been released and had not removed this from my file after several attempts. I have also sent requests for verification and mailed validation of the debt and this also has not been submitted to me by the CRA in conjunction to my request.     The creditor is the State of Maryland, it is a tax lien in the amount of {$2000.00} and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: In light of the XXXX XXXX scandal, I would like to report a similiar fraud with Bank of America. On or about 2014, I had opened a Checking Account with Bank of America. Without my knowledge or consent, a Savings Account was opened in my name. After realizing I incured a {$15.00} fee, I went to the branch to resolve the issue. I was told that when I signed up for the account I consented to the charges and the teller showed me the signed form. When I told her that was not my signature, she simply stated she should not have showed that to me. The branch said they would try to resolve the issue and I also reported the issue via phone to customer service. The matter was never resolved, I never received a refund, and I just closed my accounts. I suspect a cover up for falsify documents and my signature to create an account.

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 05-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with American Payment Holdco, Inc. (MA).
Issue: Money was not available when promised

Complaint: I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.

Company response to consumer: Closed with explanation