milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, XXXX I attempted to purchase a round-trip set of airline tickets thru XXXX. I received emails shortly thereafter stating that my transactions had n't gone thru. 

However, the charges for the tickets were already pending on my card at this time. 

Given that I did not want the cost of tickets to hike up, I proceeded to purchase my tickets through an alternate service at that point. I emailed the customer service email address supplied by XXXX to request that that the charges not be attempted again, though they did not respond. I also called their customer service phone number and their agent tried to reassure me that the purchase of my flights actually had gone thru, despite the emails I received. 

The amounts of the charges were {$23.00}, {$170.00}, and {$170.00}. 

I made it clear to XXXX 's customer support via telephone *and* email that given the confusing emails I 'd received, I 'd already made alternate arrangements. 

XXXX falsified documentation in the fraud claim I made to my bank and my bank has apparently sided with them in this case. They made this decision without consulting me, nor asking me for any documentation or proof of my claim. This would be the first time in my history with this bank that a fraud claim was *not* decided in my favor. So it is quite clear that I do n't make a habit of purchasing items and then charging them back. I am in the XXXX XXXX myself, not to mention that that, in itself, *IS* fraud. 

I have already notified my bank that if this case was not decided in my favor, that I would end my relationship with them. Of course this is a major inconvenience considering the age of my account and how I, historically, have ranted and raved about how awesome their customer service was. This changes everything I think about the bank. I will proceed to take my business checking and savings needs elsewhere if this is not resolved via CFPB. 

I will also take legal action to recover the funds I am missing as a result of Bank of America 's lack of due diligence when it came to investigating this blatant fraud perpetuated by 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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: EQUIFAX REFUSES TO SEND ME NEW YORK STATE SECURITY FREEZE PIN NUMBER. 
EQUIFAX DENIES ME FREE ANNUAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ERC has contacted my before for this same account. And just like before I told them I have never had an account with XXXX and I do not owe XXXX any money. I have been on my wifes account with XXXX for over 17 years. ERC removed this from my credit report and told me they were closing the account. Now they are coming back at me again 2 years later for the same exact thing. This need to stop. They need to remove this from my credit reports, they need to close this account and they need to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing several accounts with Transunion for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Transunion are violating my rights under this law. I sent out two separate letters to Transunion and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : -XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX opened 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 11/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Seterus, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was checking my Experian credit report and I found a Hard Inquiry of XXXX XXXX on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call Experian. Called Experian and they confirmed that XXXX XXXX has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX ( XXXX ), and XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 10/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account

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 07/14/2017 about Debt collection (Medical debt) with Equinox Financial Management Solutions, Inc. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX from Equinox has repeatedly called my workplace two to three times a day every day even after being told i could not take personal calls, He even went as far as to lie and claim to be my client in order to be transferred to my work line that is for work purposes only! I gave him a specific date to call my personal phone and i would pay the debt he then proceeded to call me at work several more times over the last three weeks before the arranged date we agreed upon! I may lose my job over his harassing behavior and if i do someone will be held responsible!

Company response to consumer: Untimely response
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use a company called XXXX for pay advances and they are telling me that you are not working with them to let them know the info needed to process my advance

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've attempted multiple times to freeze my credit report online with Equifax. I routinely encounter an error message online. I sent a letter in requesting the freeze. I want to make sure that the freeze has actually gone through since I do not know if the letter request arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am currently going through a bankruptcy and I was told by my lawyer to have any debt collectors call them. I informed Navient on my federal and my private loans of this information back in XXXX 2016. They are now calling me harassing me for payment, they have also sent my private loan to the collection department. When I tell them that they are to contact my lawyer they now are telling me that there is nothing on file and that they are allowed to call me. I told them to pull the phone calls and go back in there records, they are refusing to do that and are still continuing to harass me. They are also contacting me by mail. I have ceased them from calling my cell phone and they are continuing to call me. When you received the default notice I called the Navient phone number on the notice and again gave them my lawyers information ; and they are still continuing to call and harass me for payment. They have violated the FDCPA several times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with The CMI Group, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
Factual Data appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry.
XXXX XXXX XXXX  appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone.
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company.
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXX. 
Thanks

Company response to consumer: Closed with explanation