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

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Federal Tax Lein was released and withdrawn by the IRS With the withdrawal filed with the XXXX XXXX XXXX Transunion is not updating and removing this from my credit report as they are supposed to. They have updated it to a paid Tax Lien and not withdrawal

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 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.

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 06/26/2015 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing disputes

Complaint: I tried to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters. They chose not too and I eventually canceled my card even after stating I would due to their non-complience

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Debt collection (Medical) with AR Resources, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: SUBURBAN CREDIT CORPORATION has attempted collecting on {$120.00} of medical debt claimed to be incurred during my visits to XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The collections company states that i failed to make the {$60.00} co-payments during each of these visits. However, I have paid every bill presented to me by the Doctor 's office and the collections agency can not or is not willing to prove that i have not made these payments. 

The Doctor 's office never billed me for these co-pays or mentioned during my many visits to their practice even month 's after these claimed unpaid visits. I would have definitely paid if they had asked me for co-pays for these visits ( which were by the way follow up visits requested by the Doctor ) either during or after the visits. 

I have a spotless credit history and have pay every bill that I owe. However, I wo n't be bullied by a collections agency into paying debt that i do not owe and which they can not provide evidence of non-payment off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.

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 01/21/2018 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with North American Credit Services (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received check my credit, and noticed a medical collection was being reported on my credit report by  North American. I never received anything from North American r egarding the collection account, and when I have requested they verify the information is actually mine and accurate they have never responded to my written request which I sent to them directly at  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has been delivered XXXX deletion requests XXXX, XXXX being with XXXX # XXXX for an improper collection. I 've also submitted documentation showing the previous lawsuit against the collector and outcome of them agreeing to delete. 

I was told the investigation department was going to contact me within 5 days. This did not happen. When I contacted Experian again 7 days later, I was told they had n't investigated this yet. I was also told I could not speak with a supervisor and was also given a non-working number to contact after the representative refused to assist further. 

Now, with proper documentation, a binding agreement to delete, and XXXX NUMBERS requesting deletion, it 's now clear that Experian is now ( and has been for some time as the first request was filed in XXXX 2015 XXXX violating the FDCPA 15 USC 1692e. 

The only logical recourse now is immediate deletion. If this is unacceptable, I have already spoken with my attorney and we will pursue action against Experian as this has cause both monetary and reputation damage to myself as well as an immense amount of emotional stress and difficulty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
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Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
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Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: transUnion told me that they will not reinvestigate a public record that 's not mine because they tell me they have information saying that it 's correct but they will not provide the proof they supposedly got about the public record

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 03/27/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.

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 01/14/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

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 11-01-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I cantacted USAA bank about a direct deposit of {$2900.00} from my college for federal student aid made to a closed/charged off account. I informed them that the deposit was not supposed to have been sent to that account and USAA refused to reverse the payment stating they used it to cover a negative balance on a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit freezes should be free after a company that uses my information as a product for personal gains with no recourse ends up leaking all of my info that I have no way to secure or opt out of.

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 10-02-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Amazon Chase Visa. They default charge me instead of my own card, I never opened the card, and I ca n't close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XX/XX/XXXX I tried to order all XXXX credit reports from the annual free site. I was able to obtain XXXX and XXXX ; however, Equifax stated my report was " unavailable '' and I would need to order by mail, which would take 15 days or more ... I do not understand why Equifax does not have to adhere to the same rules as the other XXXX agencies regarding the securing of my credit report online. On XX/XX/XXXX, I tried several times to obtain this report by calling the number listed on the website. After 5 calls, and numerous jumps through hoops, I was able to order the Equifax report via phone. However, apparently it will still take the same amount of time to receive the report by mail. This is a HUGE inconvenience to me as my husband and we have spent almost 3 months trying to refinance our mortgage while the interest rates were lower. On XX/XX/XXXX, my husband received an email from our mortgage company stating everything was great except one dispute. The dispute is question was supposed to have been dismissed long ago. Since the dispute did not show up on XXXX or XXXX it can only be on the Equifax report. This is creating a very difficult situation for us, and in my humble opinion, Equifax is committing fraud in that they are one of XXXX credit reporting agencies that are bound by Federal law to release a consumer report via online, as the other XXXX agencies do. In short, Equifax is bound, but not in compliance with the Federal Law, and is creating a severe hardship on my husband and myself, as time is of the essence. In addition, I am of the belief that Equifax adheres to this practice in order to force the individual that is in serious need of the report to order from their own ( Equifax ) website for the initial low cost of " {$4.00} and then {$19.00} every month ... '' I even started to do that, however, why should I have to pay for something that I should be able to acquire for free? I am now wondering if the particular disputing company is in collusion with Equifax and I intend to research that possibility further. Please force Equifax to adhere to the same rules as the other XXXX agencies and allow consumers to obtain their credit reports online without a long wait, as this is really a grounds for a consumer lawsuit against Equifax, if they continue to practice business in this manner. Sincerely, XXXX

Company response to consumer: Closed with explanation