milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (I do not know) with Security Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Security Credit Services (   XXXX   XXXX   ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. 
The collection information is not deleted from my credit report after the Settlement was 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 01-02-2018 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with TD BANK US HOLDING COMPANY (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started an account wit h TD Bank to  help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by  XXXX   XXXX   XXXX   Direct Line   XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told "  XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I  had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed,  XXXX  on  XXXX  account and another account was  XXXX  dollars and that was forgiven. I only contacted this bank because I was going through my  XXXX  account and my   XXXX   to clean up any issues. I believe that the  XXXX  report may even state that this was paid, I will have to find that document and followup either way.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.

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 06/28/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Closing on a mortgage

Complaint: [ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (VA).
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 ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Consumer portfolio services and XXXX XXXX XXXX XXXX entered an agreement with us on XX/X/2011 for a 60 mo loan. it should of been over by last XX/XX/XXXX yet it is showing we still owe 5+ payments at late fees. They have improperly applied payments to interest instead of applying any of the extra money to any owed fees and principal as they should of. They were ready to " settle '' the account for less, but failed to even mention the fact that it would damage our credit even further than it already had. We started off paying ahead on the loan, and yet still got it with late fees, which started a downward spiral of credit issues on this account and every time paid extra to get back on track they would mislead us and apply the money incorrectly. now I am still paying on a car almost a year after it was supposed to be paid off, how is that even possible. if we would n't of got a second opinion on this, then we could of been stuck in a cycle of paying for this car forever, even thought the bank received more than their fair share.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Prepaid card (Government benefit payment card) with CITIBANK, N.A. (DC).
Issue: Managing, opening, or closing account

Complaint: XXXX DC offers tax refunds on Citi Bank Prepaid card. The tax refund was for XXXX. Citi only permitted me to withdraw XXXX. Merchants have refused the XXXX and Citi refuses to close the account. Next month Citi will start charging me maintenance fees. Its is obvious that Citi only permits whole dollar transactions so that cards are left with unusable balances and then they are happy to charge maintenance fees. You should audit all of Citi tax refund accounts to see how many cases Citi has benefited from this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (UT).
Issue: Problems when you are unable to pay

Complaint: CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.

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 01/26/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I first ordered some items form Kohls.com in XXXX of last year. I ordered on-line and after I placed the order I noticed that it was going to be sent to an old address of my daughters in XXXX, Alabama. ( Copy of Kohls statement attached ). I noticed it right away and called Kohls and was told I could not change the order and that it would be delivered to the old address in Alabama. They said if it is returned to them they would credit my account for XXXX. I called back and was told that the items had been returned and that it the charge would be credited to my account. Unfortunately I don't have the dates for the first two calls but they occurred inXX/XX/XXXX. I have a date for the third call I made ( see attached ) that was made on XX/XX/XXXXwhere I first promised a refund. That is the first documented contact in writing. I have supplied the attached correspondence. To add insult to injury they added a {$27.00} late fee on my account for the charge that was supposed to be refunded. This is the worst possible non customer service that I have ever encountered. The people at Kohls.com have failed in every way. Please help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: This is an on-going saga with a home foreclosure that was the result of a divorce. The first mortgage was transferred through several financial institutions and is recently being serviced by Shellpoint. My ex-husband stopped paying on the mortgage years ago and rather than start the foreclosure, XXXX XXXX XXXX sold the mortgage which ultimately ended with Shellpoint. The original mortgage amount when it was originated in 2004 was {$120000.00}. In XXXX, the balance reporting was {$120000.00} and in XXXX the balance is reporting {$150000.00}, a full {$26000.00} more than the principal balance. It seems abusive for a lender to transfer and delay the foreclosure of a property only to continue to accrue interests and fees. I 've practically begged for both XXXX XXXX XXXX and Shellpoint to complete the foreclosure, yet to no avail and now the account is being assessed an additional {$26000.00}. I am at a loss to what I can do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I attempted to make a payment via phone on XX/XX/XXXX in an effort to provide a late payment being reported on my credit report. About a week later, I noticed that the money was never drafted from my account so I contacted Bank of America. The representative and I verified the information given. The information she recited was correct. She stated that the bank rejected payment. I contacted the bank and discovered due to a recent bank merger, the routing number changed. I relayed this information to the representative. I then asked if he could rerun the payment and back date it for XX/XX/XXXX so that I would not have a 30 day late payment on my credit report. He stated no ... .. I then requested to speak to a supervisor. I explained my dilemma and was again told no. I told the supervisor I was in the process of receiving a settlement as was prepared to payoff this loan in exchange for a little grace. She emphatically told me no due to human error. For the last few years I have been paying late due to not being able to do full time work. My attorney advised that I file for bankruptcy on many occasions. I decided against it as long as I was able to maintain my credit. I received my settlement on XX/XX/XXXX and at the advice of my attorney, I again contacted Bank of America on XX/XX/XXXX and spoke to XXXX XXXX. I explained my situation to her and explained that now I have the money to payoff the loan if Bank of America would remove that one blemish from my credit report. Again I was denied. I am not refuting the debt or any late payments ... ... but would like someone to consider removing the 30 day late payment in exchange for me rectifying the debt in full.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.

Company response to consumer: Closed with explanation