milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.

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. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to put a freeze on my and my husband 's accounts at Equifax. They took my husband 's request but denied mine - I have a copy of the denial. It suggests that I mail them my information - including my social security number. Are they crazy to ask me to send my data via unsecured postal mail? They obviously do not understand security risks. 
I checked if my data had been compromised on their site and they said probably. To add insult to injury they also charged the {$5.00} fee for the freeze to my credit card even though they did n't process my request. I tried to call but after 16 minutes of waiting to be connected someone answered and hung up. When when I tried again all circuits were busy.
I have put freezes on the other 2 agencies so am only concerned about Equifax. Can you as an agency make them notify anyone who 's information has been compromised whether or not they have their credit monitoring protection? I should n't have to enroll to be protected if they are responsible for compromising my information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
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The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
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These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
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I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
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I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
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Any assistance you can provide would be greatly appreciated.
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Thank you in advance,   XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX I requested to close account in XX/XX/XXXX to the district manager. Still open with late history now reported. 

XXXX 2015, I requested to close my comenity credit line.The account showed closed by consumer and then reported open and late history has been added to the closed account that shows open. 
I am attaching my bureau with this complaint. I also have highlighted illegal credit inquiries on my report to date. I never authorized for these companies to pull my credit and never disclosed my personal Social Security number and place of employment. Whoever sent this information to these companies, has given my information without my consent and or knowledge. 
XXXX XXXX regional manager has called all of my personal references on my application more than 10 times and released private information about my account prior to me asking for the account to be closed. They to date still call.

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 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the FTC, and have contacted the attorney general office. 


SANTANDER CONSUMER USA Acct # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A account from XXXX XXXX  XXXX credit on TransUnion for {$1000.00} was deleted and replaced back onto my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, TransUnion Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed onXX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 11/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Customer service would n't take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.

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 07/28/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My Discover Credit Card was lost or stolen and unauthorized charges were made using my card. I timely reported to Discover and was very cooperative with their investigation, even named them persons when they asked about people that had recently visited my house. They closed the account and sent me a new card. However, from thereon, they started bothering me with frequent calls demanding aggressively to file police report on people whom I may suspect in stealing my card or just go to police and file report regarding lost card. Their representative named XXXX keeps rudely interrogating me demanding " yes '' or " no '' answers to her questions, and blackmailing me saying that if I did not file police report then I would be responsible for those not-authorized charges. I doubt that such a demand is legal. 
I am XXXX, suffering from XXXX XXXX XXXX and have XXXX XXXX. Their rude and aggressive demands negatively affect my health.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (IN).
Issue: Struggling to pay mortgage

Complaint: On behalf of homeowner/client ; XXXX XXXX two complete hardship packages/requests for mortgage assistance were prepared and submitted to Prime Lending/XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

To date ( XX/XX/XXXX ) Neither request has been reviewed. 

The first request was submitted via email as that was listed on the mortgage statement and deemed a reliable way to send the documentation. On XX/XX/XXXX I spoke with XXXX XXXX agent XXXX and inquired about application sent in XX/XX/XXXX. XXXX XXXX said that the email isn't checked by anyone and that I should have faxed it. I answered that no fax number had been made available on the statement or in other I advised that I would send a new request for assistance to the fax number that was offered and did so. I received a fax confirmation and email of receipt of the documentation the same day. I called Prime Lending on XX/XX/XXXX to ensure that documents had been moved to underwriting to again have a frustrating conversation with an individual that acknowledged receipt of documenattion ( actually referencing docs page by page ) yet syaing that no one had reviewed them yet and that I needed to speak with a loan counselor. When I was transferred I was told that I needed to speak with loss mitigation which was not available and that I would receive a return call within a week. I received a vm msg from Prime Lending time stamped XXXX XXXX XX/XX/XXXX asking for a return call. When I returned the call at XXXX XXXX XX/XX/XXXX I was advised at first that no documents had been received and then after some pushing that they had and they would not go to processing for another 5 days. 

This is unacceptable

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with Northeast Receivables Management, LLC (VT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: robo call/voicemail left on my cell phone for a debt paid many years ago. Threatened legal action if i did n't call back. I called and a man answered, when i said i did n't have the case # he became very upset. I said i was recording the conversation, he said he was too. He verified who i was with my legal name and last XXXX of my social. I then said i needed him to mail me the info, he said i was being rude and that i interrupted him and he was n't going to put up with it, he would see me in court. Then he hung up on me. I called back, he immediately hung up on me. I called back and he said he was giving me a verbal warning that i was harassing him and he would sue me. Then he hung up on me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.

Company response to consumer: Closed with explanation