milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient calls my daughter, myself and my ex-husband about 20-25 times a day each. They do n't answer, and I am at work all day where I ca n't answer the phone, so they call my work as well as my cell phone number. I am going through a very bad divorce, my husband left with the marital funds and I do n't know where he is leaving me living from paycheck to paycheck ( and not a lot ). When I was home after having XXXX in XX/XX/XXXX, Navient called my work again and again ( a college main office ) and had the nerve to leave a message for me with our STUDENT WORKER!! They asked for me and, said it was XXXX from Navient, and said to forward a message to me about a personal matter. How mortifying a student had to email me at home in recovery about my late student loan payment! This is from when my daughter went to college for her degree several years ago. <P/>Here is what I found in my inbox from my STUDENT WORKER! Checking in & Forwarding message XXXX XXXX XX/XX/XXXX to me Hi XXXX, I hope you are healing fine and getting plenty of time to relax and restore. I 'm emailing you because a call came in for you by a woman named XXXX from Navient. She asks for you to contact her when you get the chance. Her number is ( XXXX ) - XXXX - XXXX XXXX XXXX. <P/>
Kind regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This complaint is in followup to Complaint ID XXXX, which i submitted in XX/XX/XXXX. Details can be found therein. I have tried to work diligently with Wells Fargo for well over a year to address the small business credit cards Wells Fargo opened and assigned me personal liability. The account opening documents they provided me as evidence contain signatures nowhere close to my signature. I have documented the following details to Wells Fargo : 1. I was unaware of any application for their credit cards 2. The signatures attributed to me on the application forms, which they provided me at my request in XX/XX/XXXX, well after the accounts had been shut down, are clearly not mine. 3. Wells Fargo never contacted me to verify the applications before approving them. 4. I never activated or used any of the cards issued. Despite explaining these points to Wells Fargo multiple times in writing, Wells Fargo continues to insist no fraudulent activity occurred, and claiming i am responsible for charges on the cards they issued. Wells Fargo has avoided responding to the following points : - The signatures on their application forms are not mine. How could their employee possibly be unaware the application contained forged signatures? - Are n't employees required to verify the identify of an applicant by checking a picture ID? If not, why not? - How does Wells Fargo know its employee was not complicit in submitting a fraudulent account in order to meet a sales goal? - Did Wells Fargo have no controls in place in its account opening process to ensure the applications they receive are valid? Why was i not contacted to verify the application? Please help me to obtain resolution of this issue. Simply funneling my complaint on to Wells Fargo, then closing this claim, which you did in XX/XX/XXXX, obviously was not sufficient. Do let me know if helpful for me to provide you copies of communications between Wells Fargo and me regarding this issue.

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 07/31/2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Unexpected or other fees

Complaint: today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with 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 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX. The account or debt do not belong to me. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX and XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives for the unauthorized and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in 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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received a credit report from TransUnion, in an envelope that was completely open with no evidence of initial sealing ( no adhesive or torn areas on opposite side of envelope ). It appears that the envelope flap was sheared off prior to mailing. I notified TransUnion and was provided with a new credit report copy and a fraud alert was placed on my account. I asked about future risks following this incident, and was told that they could not comment. I was told that I could purchase credit monitoring services thru 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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Accurate Background (OK).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ACCURATE performed a background check on me for clearance to enter a building owned by  XXXX , where the new  XXXX  offices will be housed. The background check indicates that I have an  AKA  of  XXXX   XXXX , which is incorrect. This name has showed up on past credit reports. Ther e may have been a likeness of social security numbers resulting in the error, or it may h ave been someone trying to obtain medical coverage or other type of identity theft.     Second, the report shoes incorrect timeframes for my residing at  XXXX  addresses. Although I did reside at those places, the time was n't for the duration shown. There were other addresses in between.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called walmart service number on the back of the card on or around XX/XX/XXXX and explained that I had been through a hardship and wanted to get my walmart card back on track I told him that I couldn't make a payment until XX/XX/XXXX and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my walmart card was closed on XX/XX/XXXX wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/XXXX to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XX/XX/XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX is not interested in helping customers when they have fallen on hard 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 06-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage XXXX XXXX XXXX XXXX, TX XXXX phone XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX phone XXXX fax XXXX Since the 2nd week of XXXX XXXX we have contacted Nationstar either by phone, email or fax trying to find someone who will help us resolve an issue we have with XXXX XXXX XXXX. 

XXXX XXXX XXXX mailed us a letter stating " Notice of Intention to Create Lien for Delinquent Front XXXX XXXX Charge / Water and/or Sewer Facility Charges '', and they are going to place a lien on our property for a bill that has not been paid by our mortgage company, Nationstar. 

This bill was apparently due on XXXX/XXXX/XXXX, after Nationstar purchased our mortgage from XXXX. We have never been notified by the Utility Company that a bill was owed. According to Nationstar, the Utility Company did not notify anyone at Nationstar about such a bill. It has been 6 months, and the first letter we receive is a threat to place a lien on our property. 

XXXX mailed us a statement showing that all payments to this XXXX Company from XXXX to XXXX, have been paid by our previous mortgage company through our escrow account up until the time that the mortgage was purchased by Nationstar. 

We were told by phone on XXXX/XXXX/XXXX to email all of the information we have pertaining to this bill to XXXX XXXX at Nationstar, we did, he never responded by phone or email, we emailed him twice. 

We called on XXXX/XXXX/XXXX XXXX spoke to XXXX in the Escrow Department ID # XXXX ; who informed us that " we are responsible for this bill and Nationstar will not pay it! ". When we began to argue with her, she said this information will be investigated by the Escalation Department, and we will have a response in 3 days. No one has responded to us. 

Today, we called Nationstar, and asked for XXXX XXXX ( the man we were told to email ), no one knows who he is. 

Today we called Nationstar again, spoke to XXXX XXXX at XXXX in the Escrow Department XXXX who now asked us to fax all of our information, we agreed. 

As of today 's date, our utility bill remains unpaid since XXXX of XXXX. 

We have an escrow balance of {$4000.00}, yet our utility bill, which was always paid by our previous mortgage company, remains unpaid by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: When i try to apply for credit im told theres a fraud freeze on my credit reports. I never applied for a freeze, i have no information of this and i want this removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Adding money

Complaint: I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of  Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account ''  from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Non-federal student loan) with Windham Professionals, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief