milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had a credit account with Bank of America for two years. During that time I have made payments with my XXXX Checking account which I had set up to use. Several months ago, my daughter added me as a secondary to her Bank of America Checking account. Since then my payment of XXXX was deactivated on their end, I was advised that I had to electronically resubmit my checking account number. When I did their system burst multiple verification numbers, so that when I attempted to verify, the Bank of America server locked out my account number. I am told that even though it was their mistake, they ca n't do anything about it. As a person with a XXXX XXXX in XXXX XXXX, I know this is not the case. They are telling me I have to be even more inconvenienced and I have to print a form to mail to them. Since I currently am without a printer I asked them if I could receive the form at a Bank of America branch. They told me I could n't because they were a separate entity. If that truly is the case then my payment method should not have been deactivated by above actions. I am not comfotable going to a public computer to do this, which is what they are telling me I have to do. So, I have to wait until I have the ability to print this form electronically from my home before this problem can be resolved.

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 08/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account with XXXX over a year ago. They have sent XXXX different collection agencies after me. Both agencies apologized after I submitted proof, but it is still there. We ca n't buy a car or get a credit card we need. I need it removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EdFinancial Services (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - - - Installment Unknown XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Please help us save our home.We paid {$6000.00}, that was originally sent to XXXX XXXX XXXX, l paid them thru XXXX XXXX. When asking for a loan modification. 
l do want the ability for the modification loan and especially my {$600000.00}. since my housing counselor,, @ XXXX., has told me should have never been taken from me. l need an answer soon please, since the redemption period is XXXX. 
XXXX # @ Selene Finance Sincerely, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem.

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 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a 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 04-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Advertising and marketing

Complaint: My main bank had always been Wells Fargo. I called asking if they offered a better rewards credit card than the 1 % Wells Fargo reward card that I had, because I kept getting better offers. The wells fargo representative told me they did indeed have a better offer and that I could go online to sign up for it. I went online and sure enough it stated in big bold colors and words. ( 1 ) {$150.00} rewards bonus if {$1000.00} was spent in the first 3 months ( 2 ) 0 % interest for 12 months. Online it said to see if you qualify for the introductory offer fill out the forms, which I did. I clicked through and online it said I qualified for it, I also got an email congratulating me for qualifying for it and that my card would be sent in so many business days. The card arrived and no where in that paperwork did it say I did not qualify for the introductory deal. So I proceeded and put $ XXXX in charges on in with in the first 3 months. But then they started charging me interest on the card, before the 12 months was up. They also refuse to honor the {$150.00} rewards introductory bonus. They are saying if I had read the fine print it would have said if I have another wells fargo credit card I would not qualify for intro bonus. But that is hogwash, no where did it say I did not qualify, It said fill out this form to see if you qualify for the introductory offer, and no where did it ever say I did not qualify for intro offer, nor did I receive an email denying offer, nor via USPS. So this is clearly another Wells Fargo credit card scam they are pulling on unsuspecting people. 

I will be closing all my accounts with Wells Fargo in the coming weeks after I work out details of another bank, but this is a clear case of them committing internet fraud on people. 

Please help in stopping this big bank from continuing to commit fraud on American Citizens. 

Many Thanks, XXXX ( 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 monetary relief
Consumer complaint received 03/22/2017 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NV).
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 a victim of fraud as defined by the XXXX. The XXXX has an open investigation into the fraud and I have provided the creditors AND the bureaus with this document. STILL, the items remain on my report and the bureaus, all 3, do nothing except request MORE documentation and send me emails with dead links.

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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Payday loan, title loan, or personal loan (Title loan) with ALLY FINANCIAL INC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.Thank you

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 08-09-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The billing office of XXXX XXXX, XXXX had not submitted any of my XX/XX/XXXX claims to my insurance company, though they accepted my health insurance, XXXX XXXX, all year long. " XXXX '' in billing stated she missed timely filing deadlines and ordered me to pay, or she would withhold medical services. I paid {$300.00} by check in XX/XX/XXXX, and on XXXX XXXX, XXXX I paid another {$180.00}, toward this debt on my XXXX card. They sent me to collections on XXXX/XXXX/XXXX ANYWAY, for {$610.00} at Healthcare Collections , LLC aka HCI, ( XXXX ) XXXX XXXX. I had 2 separate conversations directly with the doctor ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX and emailed him on XXXX/XXXX/XXXX, who admits XXXX balance, though I continue to receive rude, harassing calls from HCI on a daily basis from XXXX ( or XXXX ) & 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 04-03-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I have issues with XXXX 's credit card. XXXX offers XXXX Rewards for purchases. It gives start XXXX 's money {$10.00} for XXXX points. The rewards expires 30 days after it is issued. I have been forced to make a purchase if I want to take advantage of the rewards. However, it never provides details on how my star rewards were accumulated and how my returned purchase impacted the star rewards. 

XXXX now charges money for using star rewards after I returned a purchase. I was charged {$1.00}, {$1.00}, {$5.00}, {$5.00}, {$.00}, {$.00} {$.00} on my credit card statement without any details. 

I have never been provided with history of star money earning, nor reduction due to returned products. I am being charged money without knowing what the charges are. It is a fraud and cheating of consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (GA).
Issue: Using a debit or ATM card

Complaint: Hello, my name is XXXX XXXX my phone number is XXXX and email address is XXXXXXXXXXXX. 
First I would like to state that I have been a member with rushcard XXXX XX/XX/XXXX. On Monday XXXX XXXX they did a system update. i guess while updating there system a glitch happened. The glitch has left a lot of people unable to access there funds. i have not been able to access, y money sense the day of the update. i have not been able to put put gas in my car, pay for my child 's day care, get food and a number of other things. the most disappointing thing about it, when you call to speak with someone in regards to the issues, you cant speak with no one. I have waited on hold for hours and still the phone just hangs up. I am out of town working, with no family or anything so its really hard for me to get money. By the grace XXXX I have made it work for me adn my daughter who is XXXX years old. I have not been able to pay my car note or even the Insurance. I was subpoenaed to court XX/XX/XXXX XXXX and was n't able to make it to court because I could n't get a flight out of town, because I could n't get any money off my card. Now I have my finance company calling me about my car payment. I cant make a payment because I cant get my money. My car insurance is now canceled because I could n't pay the insurance. My daughter have n't been to day care because I have n't been able to pay. I cant get gas. I 'm also on probation, and have to pay probation fee 's XX/XX/XXXX or there will be a warrant for my arrest. This Rushcard system update has caused so many different problems. I just want to speak with someone to reassure me that everything is going to be okay. I have went days with out eating. I have went to a church to get food baskets and things like that. I have a XXXX year old daughter and I put her first always. Its getting cold XXXX, i cant even get her a coat to stay warm. I just need answers. 
Please can someone help me with this. i just need my money please. please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NC).
Issue: Managing, opening, or closing account

Complaint: Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation