milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am writing to contest the response given to me by Experian for a dispute I filed via the CFPB on XX/XX/XXXX. CFPB File # XXXX. 

The initial dispute was over a closed collection account on my Experian credit report for XXXX XXXX XXXX. My dispute and reasons for it are indicated in that case file. 

However, while Experian did respond, there is no indication in their response that they made any attempt to contact XXXX XXXX XXXX about the facts/information regarding my XX/XX/XXXX dispute. 

Instead, per the response, Experian relied on an initial dispute/inquiry into the situation that I had placed through them directly in spring XX/XX/XXXX. Their result at that time was unsatisfactory, hence my dispute via CFPB on XX/XX/XXXX. 

I find Experian 's efforts into my XX/XX/XXXX CFPB dispute unsatisfactory, as the situation warrants further energies and investigation on their part. 

Furthermore, I have made good faith efforts to resolve the issue directly with XXXX XXXX  XXXX - via phone and mail. XXXX XXXX XXXX has failed to respond. Just as they failed to contact me in XX/XX/XXXX about my outstanding balance, never giving me a chance to clear the final bill before it was reported to Experian in/around 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 12/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with DLC, LLC (CA).
Issue: Problem when making payments

Complaint: Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with Bonneville Billing and Collections (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Included in bankruptcy which was dismissed on XXXX XXXX Belongs to bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Forbearance / Workout plans

Complaint: I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted. 

" I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous. 

XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB. 

Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters. 

Thank you so very much.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize 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 05/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My mortgage is with DiTech, serviced by GreenTree. I received a call at work from them in XX/XX/XXXX that my account was 60-days past due. The customer service representative was extremely rude. I attempted to ensure her that I had made my payments without success. When I got home and checked my statements, they showed all my payments and my account current. When I called back the next day, a different customer service person found that DiTech had a computer upgrade earlier in the year and some payments were not being credited to the proper accounts. I even showed her where an erroneous payment had been credited to my account. They removed the erroneous payment that day. It has now been approx thirty days and I continue to get statements/documentation that my account is overdue. I had my bank confirm the XX/XX/XXXX payment ( due XXXX XXXX, DiTech received it XXXX XXXX ), but DiTech is not crediting it to my account. They have posted to my credit report that my account is past due. DiTech said they would send a correction, but the item is still in my credit report. I asked for documentation of the credit report correction, but have received none. My job requires financial responsibility. DiTech 's inability to accurately process my payments and negligence in correcting their mistakes will cause difficulties for me now and later. Every time I talk to the DiTech CSR, I am assured that they are working the problem and that my account is current. Yet they continue to take actions as though my account was overdue. I have lost time at work to try and correct this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Struggling to pay your loan

Complaint: I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. 
I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: A third party calling on behalf of Bank of America continues to call my mobile phone even after numerous denials of consent to do so. The third party has left multiple voicemail messages with statements insinuating foreclosure activity even though my account is still within the grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, Equifax and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Checking or savings account (Checking account) with FIRSTBANK (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these 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 04-11-2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.

Company response to consumer: Untimely response
Consumer complaint received 04/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this XXXX times. I did n't sign for this item bought online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have sent a payment in as I always do. I have been using the   XXXX   XXXX   for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at   XXXX   XXXX   XXXX   as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for  a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call   XXXX   XXXX   as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is  XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of  XXXX  when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on  XXXX  /  XXXX  /  2017 . The guy I spoke with  at Transworld was very weird. Thank yo u for your service!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
To make matters worse, it 's been reported that they 're giving random information as to whether specific individuals had their information compromised making it impossible to know. This was systematically tested, proven, and documented at the following website XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 's website is incredibly vulnerable to SQL-injection hacks and is incredibly insecure.
I really appreciate the CFPB for escalating my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for credit without his consent. While the fraudulent credit items have been disputed the credit bureau Experian has verified the fraudulent related address is accurate. This is a violation for the FCRA.

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