milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a social security number leak on XX/XX/XXXX with up to 143 million people involved in the U.S. As of now, XX/XX/XXXX, I am not sure I have been affected. This is extremely worrying to have your SSN available to be used for identity theft and fraud, considering that Equifax is supposed to keep our SSN 's safe.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (CD (Certificate of Deposit)) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I did not receive a maturity notice on a {$3000.00} CD that matured on XX/XX/XXXX from Huntington Bank. The interest rate was 1.484 % paid annually. It was a 2 year CD. 

Starting on XX/XX/XXXX, I started trying to contact someone in the bank. 
Within the grace period I called to see about closing out the account - not renewing it - and getting my money. 
After 3 days and three phone numbers, I talked with XXXX at this number on XX/XX/XXXX XXXX XXXX ) - he gave me a passcode and assured me that I would receive the funds in 7-10 business days. It is now XX/XX/XXXX and I have not received my money. 

I called the same number today - XX/XX/XXXX - they said that I needed my XXXX  DL number to verify that it was me over the phone. I gave them the ordinary identification items - SSN, etc. that they asked for but did not know where my XXXX DL was. 
I have moved to XXXX since I opened the account - and had given them a change of address in person before I left XXXX. 
I asked to speak with a supervisor and even though by this time I had located my XXXX DL she said I had to call another number - I was transferred to ( XXXX ) - they told me that I needed to go a branch office. The nearest branch office is 3 hours away from me in XXXX, XXXX. 
They then asked me for the branch information where I opened the account - I gave them the information - including the address and the name of the person who prepared my form. They then gave me the branch of their nearest branch to where I opened the account. 
The third number I called was ( XXXX ). She asked me a few questions and said she would call me back in a couple of hours. I do not believe her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

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 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Contacted Trans Union on XX/XX/2017 in reference to a credit monitoring alert. Information from XXXX that was previous deleted by Trans Union has been reinserted with a different account number. I request a paper copy of my credit report for review.

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 01/29/2018 about Debt collection (Other debt) with Clark County Collection Service (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid,

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  SLS Loan number  XXXX  For the past several payment periods we have been charged ever-increasing amounts for Late Fees. We have made payment of everything billed to us well before the date required. Our last statement has a {$100.00} late charge. But we paid the full amount require by the SLS previous statement on  X/XX/2017   , before the due date, and well before the date for late charges. Payments were made through  XXXX , and I believe electronically transferred.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian continues to list erroneous information on my credit report. This has been happening for years. I have sent Experian copies of every document imaginable that proves to them, they are reporting inaccurate and erroneous information on my credit report. Experian is knowingly and willfully violating the Fair Credit Act and my Consumer Rights. They have been this daily for years. I have been sending them documentation that proves their reporting is wrong, but they will not remove this inaccurate and erroneous information. Experian continues to list an address that I have never lived at. I have sent Experian a huge amount of documents, including utility bills and bank statements and copies of my ID. Showing Experian that I have never lived at this address. ADDRESS : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I have never lived at this address, but Experian will not remove it. Experian is knowingly and willfully violating the Fair Credit Reporting Act. Experian continues to list an erroneous XXXX XXXX account for {$21000.00} on my credit report. I have sent Experian tons of documents over the years, showing them their reporting is flawed and this is an erroneous account. Experian will not remove it. Experian has been violating the Fair Credit Reporting Act daily for years. ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ... ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. TELEPHONE NUMBER : XXXX.The information listed on the account is full of errors and inaccurate. It is listed with a residential apartment address that is vacant, and the telephone number associated with the account is a non working telephone number. So how is Experian able to verify the alleged account, if the telephone number does n't work, and the alleged business, is not operating out of the vacant residential dwelling? And none of the contact information is valid? Also it shows the account was opened XX/2000. Pass statute of limitations. I know all this are violations of the Fair Credit Reporting Act. I want this inaccurate erroneous address and this erroneous account removed from my credit report. I also want Experian fined, if it is in your power to do so.

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 07/29/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address listed on my credit report that I have never lived at. The address is:XXXX XXXX XXXX. 
XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Managing the loan or lease

Complaint: My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I requested a free copy of my credit report from Equifax. Upon review of my report I noticed several hard inquiries that took place from XXXX throughXX/XX/XXXX. I called Equifax and spoke to a U.S. Representative and we went step by step through the report and the inquiries were removed. On XX/XX/XXXX I decided to check XXXX XXXX and noticed they were back on there. I sent a letters asking for validation of the information and accounts linked to those inquiries and in return I received a 2 page paper that showed the inquiries I had removed and disputed. I am aware of a data breach with the bureaus and feel my information was compromised. Too many inquiries in a short period of time and no validation ever being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Did not receive verifiable proof ( an original consumer contract with my signature on ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am attempting to remove a security freeze from my consumer account. I have my pin in hand however the XXXX systems do not accept my basic information and no other means to resolve the issues are apparent. I have contacted the company and was given a bogus number for the 'freeze department '. I have submitted a letter as well.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax had a major cybersecurity breach that they did not disclose to the public until over a month later. 3 days after the discovery of said breach, and therefore almost an entire month before the knowledge was made public, three known  inside executives performed insider trading of Equifax stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had previously filed a complaint concerning the reporting of my Chapter XXXX on Equifax credit bureau past the timeframe allowed to report. One of my tradelines is now changed to report charged off. The account with XXXX XXXX XXXX XXXX is constantly changing their reporting to state the bankruptcy or charge off. Once the Ch XXXX is discharged, the acct is supposed to be removed 2 years from the date. Equifax continues to report what they are sending in even though the timeframe to report has passed. They are going through the motions and not paying attention to what they are adding. I received an updated credit report with the Ch XXXX removed but now charge off/loss is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Late fee

Complaint: The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient calls me 10+ times a day after only being 1 day late for pmt, if I do n't answer then they harass my Mother because she is a cosigner, they call from different numbers every time and even outside of their business hours. If I answer and tell them that I plan to make a payment they still call and harass me every day

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are  XXXX  liens on my  XXXX  credit report that do not belong to me. I have asked for verification from   XXXX   and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.   XXXX   is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

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 02-05-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer. 

When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word. 

I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork. 

In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank. 

I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Unexpected or other fees

Complaint: Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was NEVER {>= $1,000,000} the highest loan amt I had was in the XXXX ranges! Could you please correct this! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX I want the above account removed from my TransUnion Credit Report . I do not owe any money. This account DOES NOT belong to be me and I want this account removed ASAP.

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 01/28/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: On XX/XX/2017, we received notice that our loan servicer, Ocwen Loan Servicing, LLC,  was increasing our monthly mortgage payments from {$2700.00} to {$3500.00}. Ocwen stated it was as a result of a shortage in escrow payments from the original loan company, XXXX XXXX XXXX, due to ( 1 ) not funding the escrow fully at the beginning of the loan by {$1400.00} and ( 2 ) mischarging the amount to be charged monthly. As a result of these two failures, over a 12 month period, the escrow was shorted by {$8700.00}. With this XX/XX/XXXX notification we were given 14 days to begin the new payment which changed from {$2700.00} to {$3500.00} ( over a 25 % increase ). 

After contacting Ocwen, they refused to spread this shortage over a period longer than 60 months. We had to force them to find alternative solutions. 

Ocwen decided to contact XXXX XXXX   XXXX and were able to receive the missing escrow amount from the loan origination of {$1400.00}. They refused to acknowledge that they misreported the necessary amount of money to be charged each month. After much contact, Ocwen refused to match their amount and provided only {$500.00}. 

Our arguments are as such : XXXX XXXX failed to properly charge us monthly and therefore created our year-long deficiency. It has been very difficult to financially plan for a 25 % increase. 
Ocwen failed to identify the same problem at their purchase of our loan and continued to have us pay a cost that was not enough to cover the escrow. Then, they expected us to pay this 25 % increase in the mortgage within a short period of time.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion shows XXXX 's on my credit file as a charge off and there is no charge off Charge off is the same thing as not paid. 
I have provided a letter from XXXX 's Credit department.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The XXXX/ XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX XXXX XXXX , Experian ) never  validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief