milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with First Credit Services Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Transunion when I noticed a XXXX account added to my credit file. Transunion has failed to provide me with any information bearing my signature and has yet to give me anything information proving that this account is mine. 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 08-11-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.

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 07/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle back in 2008 and when the economy crashed I lost my job. I tried to keep the car but was not able to. I asked for help from Santander but they would not. I surrender the vehicle back to them. Santander sold the car at an auction for much less than what I owed. I have asked them to remove the balance from my credit but they refuse to and even though I have asked them over and over again the balance still remains. I just tried again and was told by the credit bureau to contact you if they still refuse to help. Let me know what information you me.

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. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello, I 've discovered these charges I 've been billed for merchandise I never ordered or received. I do n't have an account with   XXXX   XXXX  , I have n't received anything from them, unauthorized charges. I ca n't call about this right now because my card is n't working with merchants and I ca n't buy a phone. I am out of the country. Can these errors can be corrected? I 'm sorry.
 XX/XX/XXXX    XXXX   XXXX   - {$300.00}  XX/XX/XXXX    XXXX   XXXX   - {$49.00}  XX/XX/XXXX    XXXX   XXXX   - {$170.00}  XX/XX/XXXX    XXXX   XXXX   - {$1500.00}  XX/XX/XXXX    XXXX   XXXX   - {$2000.00} XX/XX/XXXX    XXXX   XXXX   - {$580.00}  XX/XX/XXXX    XXXX   XXXX   - {$290.00}  XX/XX/XXXX    XXXX   XXXX   - {$1400.00}  XX/XX/XXXX   XXXX   XXXX   - {$2200.00} XX/XX/XXXX    XXXX   XXXX   - {$2400.00}  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   - {$2500.00} 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 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Transunion charged my credit card without my knowledge or consent. They charged my card 22 months at XXXX a month. At no point did I agree to pay them. Their month charges costs me over limit fees, interests costs, and they refused to fix this problem. The manager said that they will make a note on the account to not make any refunds. I believe that I am a victim of a scam. Transunion should not have been charging my card for any reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Credit line increase/decrease

Complaint: I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (DC).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am an elderly, XXXX woman. 
I went alone to purchase a used car in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone ( XXXX ) XXXX XXXX works with following company to get loans financed : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX phone ( XXXX ) XXXX XXXX asked ME for {$11000.00} for a XXXX XXXX XXXX, 4-door sedan with odometer reading of 90,818. THIS PRICE WAS NOT ON THE CAR FOR ALL TO SEE. I thought this was high. 
I asked for the XXXX Report and the salesperson indicated their fax machine was not working. Instead he provided a report titled " Vehicle Compliant with Credit Acceptance Policy '' which indicated there was no damage to the car. 
I agreed to purchase the car and asked for gap insurance. The salesperson indicated that gap insurance could not be obtained that day if I wanted to drive off in the car. I had financed one other used car which was totalled and the car insurance did not pay off the entire loan so I definitely wanted gap insurance. 
The salesperson indicated I could obtain gap insurance the next day. I had taken public transportation to the end of the line then gotten in a taxi to get to XXXX XXXX so I signed a document, under duress, indicating I did not want gap insurance. When I called to obtain gap insurance the next day, I was told I should have gotten it the day I purchased the car and could not obtain it.
The terms of the loan : Amount financed : {$12000.00}, APR : 23.99 %, No. of payments : 54, Amount of payments : {$380.00} beginning XX/XX/XXXX ; Finance charge : {$8100.00} ; Total of payments : {$20000.00}. 

The amount financed of {$12000.00} was reached as follows : asking price of car : {$11000.00} + {$760.00} in sales tax - {$1600.00} downpayment = XXXX plus following costs/fees : XXXX extended warranty contract ; {$20.00} fee to release security interest ; {$170.00} fees for certificate of title, license and registration ; {$390.00} seller 's processing fee. 

When I tried to trade the car in the next year, I was told by a XXXX XXXX dealership salesman that the XXXX XXXX value of the XXXX XXXX in XX/XX/XXXX was about {$4000.00}. The XXXX XXXX salesman provided me with a XXXX Report which indicated that the car had been damaged in an accident and there was a recall on the car. I feel that I was grossly over-charged for the car by XXXX XXXX, about THREE TIMES its value, and that Credit Acceptance added insult to injury by charging me 23.99 % which is practically illegal!!!!! I definitely believe the asking price was high because I am elderly and female.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. 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 monetary relief
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

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 12-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Company has called 3 times today. 

XXXX called me, left no message. 

XXXX called me, left no message. 

XXXX called and I answered. Hung up when I said hello. Called them back and they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It 's been well over a year now, and I 'm still battling with  XXXX  and Experian to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's and leaders of these companies should be ashamed of themselves. These collections are   keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

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