milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX  ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have a security freeze on my credit reports, i tried to go online and lift my security freeze with Equafax and i fill on the information and submit it online as they say you can sign in and do it onlne, when i tried it it tells me the request can not be processed and l need send in copy of my ID plus other things, they make it very very very hard to do anything online.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I learned that Navient was reporting student loans that I have no knowledge of to credit reporting agencies. This was first brought to my attention in XX/XX/XXXX by a bank, when I went to attempt to purchase a home and on XX/XX/XXXX, I checked my credit and saw a huge drop in my credit score caused by Navient ( amount of $ XXXX ) in addition to XXXX the bank made me aware of. On XX/XX/XXXX I contacted Navient and after providing them my address and phone number, found out there were apparently several different phone numbers tied to my social security number/account. Navient stated that I had co signed 5 different student loans with disbursement dates of :XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX( {$2000.00} ),  XX/XX/XXXX ( {$3500.00} ),? XXXX ( {$4000.00} ) and XX/XX/XXXX ( {$7000.00} ). They informed me that these were private loans and that I signed a promissory note that I know for a fact I DID NOT SIGN. I had no knowledge of these loans and have loans ( XXXX XXXX ) with the Department of Education. Navient informed me that the outstanding balance to date was $ XXXX and has reported a total of over $ XXXX to the credit bureaus in addition to reporting late payments of 90 days past due, yet informed me that last payment received was inXX/XX/XXXX. I am in need of assistance. I have requested their promissory notes and was informed that I should receive them within 7-10 days. All information provided ( loan account number, dates, amounts, etc. ) in regard to this loan was information I obtain when I contacted Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: -On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same re

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 09/15/2017 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (FL).
Issue: Trouble during payment process

Complaint: This is the proof showing our policy did indeed lapse in previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Incorrect information on your report

Complaint: I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. 
I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Requested lender to remove PMI for last two years. Sent few written letters. They wanted the home appraisal to be done at my cost, which I havent done. 
Loan took around XXXX Current loan outstanding XXXX which is about XXXX % balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company by the name of XXXX XXXX XXXX keeps re-aging the debt to make it looks current. In this case it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit card () with IMC Capital, LLC (IL).
Issue: Credit line increase/decrease

Complaint: XXXX mailed unsolicited pre approved credit card for {$150000.00} available credit XXXX and to call XXXX to activate to me received XX/XX/2016 ... .credit card enclosed in envelope for account XXXX ... no such account exists or ever existed. XXXX has a history with XXXX ... request action against XXXX. 

XXXX, IL XXXX

Company response to consumer: Untimely response
Consumer complaint received 08-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I took my initial home loan with the SECU in NC in XXXX for a foreclosed home. In XXXX, I refinanced the loan to keep the rate low, and again bought down the interest rate in XXXX to keep the rate low. This ability to buy down the rate was used as a selling point by the SECU to convince me to obtain this loan through their institution. I was never notified of any changes to the practices of the institution in writing regarding the ability to do this. I inquired about buying down the rate again in XXXX of XXXX as the rate will increase, to which I was told the SECU no longer performs or services these loans as they no longer offer a XXXX year ARM. I asked about options for the loan and was told I would have to go through the entire mortgage process again to make any changes or attempt to modify the rate on my loan. I feel this is a direct attempt to manipulate my loan to obtain a higher interest rate and lead to increased revenue by the company. I was misled and was not notified of the change in advance in any writing by the company.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Deposits and withdrawals

Complaint: I deposited a personal check into my checking account on XXXX XX/XX/2016. The check cleared the bank it was drawn on the next day, XXXX XX/XX/2016. XXXX I called my bank branch and inquired as to why the funds have not been released to my account and was told there was a hold on it and it would not be available until XXXX XX/XX/2016. When I questioned why I was told that I had an overdraft in XXXX and that is why. I have since got my statement from another business and they are scheduled to withdraw funds from my account. This will cause me an overdraft. The funds should be there as soon as that check cleared. Why should I have to pay a overdraft fee? They want to hold funds siting an overdraft from the month prior and cause me to have another possible overdraft??? Where does that make sense? The money is mine and should be in my account. The bank is Key Bank and the location is XXXX, PA

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (PA).
Issue: Credit decision / Underwriting

Complaint: I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs. 

This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ). 

It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ). 
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 spoke with a US representative via phone about inaccurate information that 's being reported by TransUnion. I asked the representative to update my report with my current address, employer and phone number. I also informed the representative that I placed a fraud alert on my account due to numerous unauthorized inquires being reported by TransUnion. I then asked the rep. to remove the inquires because I did not authorize them. The rep. informed me that I had to submit a request via mail in order to have the unauthorized inquires moved. As requested, on XX/XX/XXXX via certified mail, a written letter was sent to TransUnion with a copy of my I.D . requesting removal of unauthorized inquires. On XX/XX/XXXX I received a credit report via mail sent from TransUnion with unauthorized inquires still remaining on my report. I 've made numerous phone calls requesting to speak to a supervisor, each time I 'm told that my account is being handled by the " Specialized fraud team '' but the department is closed each time I call. I 've also asked TransUnion via phone and certified mail to remove an address that 's reporting incorrectly. I was told via phone that the address would be removed but it remains on my credit 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 explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently filed a complaint with the CFPB regarding a dispute of a charge with  XXXX . The amount has always been in dispute. As a result of that complaint, t he President 's offi ce of  XXXX  agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.   Nevertheless,  XXXX  reported my account past due with late payments assessed to all three major credit reporting bureaus. I have disputed this reporting with all three credit reporting bureaus and Experian has responded with an unsatisfactory result.

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