milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Settlement process and costs

Complaint: # 1 No pay-off statement related to old loan and/or escrow. Unable to determine and/or balance to pay-off. # 2 After getting a specific quote of {$350.00} for title insurance, received XXXX charges for {$350.00} listed as " XXXX '' and " XXXX-XXXX ''. # 3 Refusal to provide me with a copy of lender-paid appraisal done in 2010.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't stop charges to bank account

Complaint: this lender has called my work numerous times after I 've asked them to stop. they will not stop calling 3-5 daily.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Credit card) with CITIBANK, N.A. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citi finacial..they call playing on the phone..they will say can you hear me now about XXXX or more times and laughand hang up.or they will hold the phone and when I try to talk they hang up laughing. Sunday are the worse days. I was called XXXX times in XXXX day last week.this is not a game to me. I recently had XXXX and trying to recover.

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 02/14/2018 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed my hard inquires that are up there numerous times they were deleted and readd back on my report I was not notify and it 's illegal, I also have a late payment with XXXX XXXX never late I just changed billing due date and also disputed it two months ago no update yet. I sent in proof from my insurance company that they paid the balance on my vehicle to XXXX and still no respond

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Diversified Recovery Services Inc. (DE).
Issue: Struggling to pay your loan

Complaint: Account was sent to collection agency - Diversified Recovery Services. I 've asked not to be contacted at work, but calls continue.

Company response to consumer: Untimely response
Consumer complaint received 06/18/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been getting numerous phone calls from XXXX as well as Portfolio Recovery Associates on a mobile number I never use for credit card applications. The number is also on the Do Not Call registry. The calls are intrusive and waste my minutes on a phone I use specifically for work.

Other numbers being used by PRA are as follows:

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other transaction problem

Complaint: We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted XXXX/XXXX/2016 on my cell phone by a XXXX XXXX stating he was employed by XXXX XXXX Attorney at Law, he said this was concerning a XXXX County, Texas case XXXX and if I did not give him my sons information a XXXX County Sheriff would be dispatched to his home. When I said whose home his said your son 's. It was then that I realized this was not a real situation, I was terrified at first. I told this person I was not discussing this with him further and he became agitated, stating I had not raised my son properly and that is when I hung up. Today, my husband received the same kind of call at our residence. He hung up. I called the number provide by this XXXX and told him to stop harassing me and to remove my cell and home number. He was as ugly as before and he hung up on me. I researched online and saw this is a collection agency called ARA Inc. out of Illinois.

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

Complaint: Equifax has recently divulged my information without my consent to an unknown number of people and/or companies. This information includes but is not limited to : Full Name, SSN, Date of Birth, Current and Past Address, and Credit Card Numbers. This has resulted in fraudulent information appearing on my credit report.
I have taken put an Initial Fraud Alert and a Security Freeze on my identity.
To my knowledge, Equifax has offered to help consumers determine if they 've been affected but try to force consumers to wave arbitration if they choose to check if they been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I sent a dispute to Experian concerning several items that were inaccurate on my credit file. These accounts were disputed directly with those Companies and said to no no longer exist with those various offices. I demanded a investigation provided the proper information needed and nothing was done. This was the third effort to resolve these validation issues. XXXX # XXXX XXXX # XXXXOHIO DEPT OF HUMAN SERICES XXXXXXXX # XXXXI sent the same complaint to XXXX and XXXX as well with no response back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.

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 11/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (NY).
Issue: Incorrect information on your report

Complaint: XXXX XXXX, XXXX On XXXX XXXX, XXXX, I received a response from NationStar Mortgage XXXX XXXX XXXX # XXXX. After further review with XXXX XXXX, we were advised that the account was settled in full on XXXX XXXX, XXXX, and that the credit report will be updated in XXXX XXXX. 

Upon information and belief, this meant the account would reflect account settled in full. The account today XXXX/XXXX/XXXX reads settled in full for less than the total balance. 

This is the second time I was advised the account would report to the credit bureau as settled in full. The first time was on XXXX/XXXX/XXXX XXXX XXXX  writes These payments will be posted to your account and will be accepted on the above balance as settled in full, with no future liability to you once completed. '' See enclosed document. 

The words used XXXX XXXX in their documents difficult for some consumers like me to understand. For example, the word settled for me mean the account is to be settled in full. with no future liability to you once completed said that paying a settlement amount would have no adverse effect on ones credit history. 

I was misled to believe having a settlement would have no adverse effect on my credit. It is important to note from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made payments every month. 
The simple words settled in full and the words added to the end of the sentence for less than the full balance '' to be a ray of sunshine for most consumers. 

Most consumers this would be followed by a conversation with XXXX what those words meant and allow for the consumer to make an informed decision as to how to proceed most welcoming. 

XXXX written words need to be explicit. The words " for less than the full balance in all necessary documents. The cost to the consumer for XXXX XXXX not to be forthcoming to be a seven-year- thunderstorm over the consumers head painfully. I would like XXXX XXXX Nationstar Mr. Cooper to update my credit as agreed on XXXX XXXX, XXXX, letter to say the account was settled in full. 
Kindest Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases

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 08/15/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I, XXXX XXXX XXXX ( DOB : XX/XX/XXXX debt collector for credit card that I contend was erroneously sent to collections, as I had established auto payment ( {$50.00} ) above initial minimum payment ( approx. {$35.00} ) for a Bank of America credit card opened onXX/XX/XXXXwith {$2500.00} credit limit. The ( a ) initial billing and ( b ) date auto payment was established are conveniently not included in discovery, and I am unable to obtain this information online through my current BOA checking account. I have not contacted BOA since the filing of this lawsuit due to distrust and not knowing source of presumed fraudulent practices. BOA contacted me about delinquency of account, but on at least two occasions before account was transferred to collections, I spoke to BOA rep, which could not explain why the auto payments, in excess of billing expenses, were not adequate. In XX/XX/XXXX when balance was approximately {$1800.00}, below the {$2500.00} limit, I had transaction declined at local XXXX and then learned that BOA suspended the card. On XX/XX/XXXX BOA sold account to XXXX XXXX XXXX for undocumented amount. I am being sued for {$3800.00}. Though I have had no direct dealings with XXXX XXXX XXXX court record notes, " The last payment was posted to the account on XX/XX/XXXX in the amount of {$50.00}. '' In reality, BOA continued to take auto payments for 47 months after it was sent to collections through XX/XX/XXXX, and without any expressed agreement and/or without addressing my contentions that the auto payments were timely and adequate, BOA sent this money to collections agent. The court documentation has discrepancies and falsifications, as it reflects " there is now due and payable from the Defendant the sum of {$2400.00} ; plus accrued interest of {$1300.00} through XX/XX/XXXX ... '' Additionally and just as contended with BOA, regular payments are taken simultaneously while default interest is being accrued. There appears to be 2-3 grounds where bank loses its creditor exemption, and I would like to explore counter claim ( s )  against bank and collections agents. The matter is set for trial in XX/XX/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 01/19/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX of my parents died in 2014 and their names were on the mortgage held by Penny Mac. After they died, as their executor of their estate, and their daughter, I tried to get Penny Mac to talk to me concerning their mortgage because I was having trouble paying the mortgage at the time and could not afford to hire an attorney to start their succession. I needed to restructure the loan, but they would not help me because the mortgage was in their names. Penny Mac told me on XXXX different occasions to send in their death certificates and wills, which I did and they would help me. I sent them on XXXX different occasions and also sent them copies through email and when I would call they would give me the runaround, like they never received them, they were n't in the computer, the law department had not seen them and signed off on them yet, etc. They sent me a foreclosure notice and now the home I have been living in for 40 years is going to be sold next week at auction and because they would not work with me, I am now forced to file bankruptcy on my parents estate to stop the foreclosure. I have been told that Penny Mac Board of Execs are made up of the people who caused the housing meltdown and are getting double paid for houses going into foreclosure, through insurance and monies collected through foreclosures. Their names are on the mortgage and the succession has not been done yet, so this ca n't legal, can it??? Penny Mac seem unable to helpme and want me to lose my home.

Company response to consumer: Closed with explanation