milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Vehicle loan or lease (Loan) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: have a mortgage at Ocwen, XXXX XXXX requested escrow analysis as taxes had decreased they sent XXXX, an overage check and new escrow payment was lowered, went to make mortgage payment today and my payment has increased by {$52.00} with no notification. my taxes are only {$1600.00} a year and they want to escrow {$200.00} a year for my taxes. was on phone with them for one hour. asked them why they never notified me of the change, said that somebody cancelled the escrow analysis XXXX. when I asked why they did not know. I was under the impression I was to be given 60 days notice prior to change in my mortgage payment and I was not. this all happened XXXX/XXXX/XXXX. my escrow balance is XXXX, my taxes are XXXX, by the time the collect XXXX monthly, they will have collected over XXXX, way more than needed. so again I had to request an escrow analysis today XXXX/XXXX/XXXX so they can see their error. I am complaining that they raised my mortgage payment without notification. also my loan had been in a chapter XXXX, that was discharged 2 years ago, several times I have asked them to correct their system, but nothing happens. when I asked today, they spoke to some body and told me that they knew it was discharged but they have never taken that status off my records. this hurts my credit. when I asked again when they were going to correct it, they did not know

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, KS XXXX XXXX : NET PAY ADVANCE Amount : {$1200.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (SD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Called the company on XX/XX/XXXX to get an extension on the loan, was told everything would go through just fine, submitted the request to continue with no payment. Received a call that it was denied because we had yet to make six payments. Called company back XX/XX/XXXX to see what was going on. Said that we had yet to make six payments so we were unable to receive extension, did inform the agent spoken to that we had made six payments and that was confirmed by the previous agent. Said that with the payment that was recently made we were at six payments, tried to schedule another extension, once again being told that we can do that without having to pay XXXX to continue with the extension, was told that I would receive a call when that was approved. Waited until XX/XX/XXXX and still received no call. I called company to get the updates on the extension and was told it was denied yet again because of not making six payments, informed the agent spoken to that I was told that was not the case. Asked to speak to a supervisor was on hold for over 7 minutes and never transferred to supervisor, instead I was hung up on. I called back right away and talked to a gentlemen representative and was told that we could process that request and we could only do it with a payment. Had I been told that from the beginning I would have just made the payment to get this going. I do not believe I should be told inaccurate information more than three times.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but XXXX other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: 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 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 05-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MA).
Issue: Fraud or scam

Complaint: This situation started on   XX/XX/XXXX  after rec eived a fictitious/scam email about participating in a   XXXX   XXXX   program. The email appeared to come from a former colleague, but the email was hacked. Fast forward - on   XX/XX/XXXX  , I deposited a check into my  XXXX  account for {$2800.00}. The supposed purpose of this check was to complete a   XXXX   XXXX   assignment. The person who sent me this check,  XXXX   XXXX , was creating a scam under the name    XXXX   XXXX   XXXX  , who  is a real company and I received the invitation through a hacked email from a former colleague.     After I began receiving signals that made my uncomfortable, I told this gentleman that I was uncomfortable and would like to return the {$2800.00} that was deposited by check into my   XXXX    account o n  XX/XX/XXXX . H e told me to send the money back by wire/ACH using  Wells Fargo  bank,  XXXX   XXXX , Acct :  XXXX , routing number  XXXX . I initiated this request the morning  of  XX/XX/XXXX  fro m my  XXXX  account.     Unfortunately, the morning of   XX/XX/XXXX  I rece ived word from  XXXX  that the original {$2800.00} check deposit o n  XX/XX/XXXX  was  rejected due to an inactive or non-existent account. ... thus scamming me by the creation of the wire/ACH t o Wells Fargo .       XXXX   XXXX   XXXX   verified this person does not work for this company and that it was is a scam.     I am trying to do everything I can to freeze the {$2800.00} of funds that was se nt to Wells Fargo  account  XXXX  in response to the fraudulent activity of the account owner.     For the record my reference to my FTC complaint is  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 08/14/2017 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am am a victom of Identity theft. I have submitted a police report, an FTC affidavit, supporting identification docs, and letters disputing these fraudulent accts and collections and submitted to the credit bureaus. I sent these documents out XX/XX/XXXX. They have by law, 30 days, 45 max to reply me with evidence that these are mine with proof from the disputed lender or they must remove the fraudulent items. It is now XX/XX/XXXX, I called today to follow up. I spoke with 2 supervisors. They informed me the disputed acct was still reporting on Equifax due to that the lender told them it was mine. I told themXXXX and XXXX have already removed it. The replied that the lendor said it was mine. I asked, '' Did the lender provide you proof it was mine? Have you done your legal duty of supplying me proof it was mine? '' the supervisor said, " No they have not provided proof. I am not able to remove it at this time. I informed her that the law requires you to remove it after 30 days if the lender can not provide proof and if they do, you are to provide proof to me. Neither of these has been done so you must remove it. '' She said she could not at this time. This is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XXXXXX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report Bank of America reported us being 30 day late, which is affecting us from refinancing our home. I've called Bank of America numerous times, I spoke to XXXX on XX/XX/XXXX and she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXX and spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX, asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and Bank of America saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, XXXX, XXXX and 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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I cancelled my Amazon.com Store Card about 6 weeks ago via telephone contact. I made purchases from Amazon.com online in XXXX, 2015. I selected Visa for my payment method for each purchase. I just got a bill from Synchrony XXXX for the purchases that I made. Synchrony XXXX is the processor for the Amazon.com Store Card. I contacted Amazon and they told me thatXXXXXXXX My Store Card was still active. 
XXXX That when you have a Store Card no matter what payment type you select the purchase is automatically put on the Store Card. This is called " HIJACKING '' and is illegal. 
I never signed up for an automatic purchase default to the Store Card. 
I hope the Federal Government deals harshly with Amazon.XXXX

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: The XXXX & TransUnion processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at XXXX, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the TransUnion and XXXX online processes yesterday on XX/XX/XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by XXXX that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

TransUnion says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX  was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at XXXX. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX XXXX processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.

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 07/21/2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.

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