milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  and Equifax will not remove unauthorized inquiries even when fraud alert was placed on report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received some phone calls from collection agency asking to paid for a bills I do not own. I returned my equipment to XXXX when I closed my account and I do n't understand why I get Harassment calls and treated from collection agency all the time even on my cellphone. I do n't own anything to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: I became aware of the data breach at Equifax on XXXX XXXX, 2017. The data breach occurred between XX/XX/XXXX and XX/XX/XXXX, and they just released the info to the public. I have since put a 90 day fraud alert on my file and checked my credit report to make sure everything is the way it should be. Equifax allowing hackers to have access to my information ( along with the information of over 100 million others ) for months is incredibly irresponsible and reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My student loans ' deferment was ending in XX/XX/XXXX and so in XX/XX/XXXX I paid off the accrued interest so it would n't capitalize. FedLoan Servicing first mistakenly applied the entire payment to one loan instead of all interest across all loans. It took 2 months and several phone calls to get the payment applied correctly retroactively. Several people told me they 'd would fix it but either nothing changed. Once that situation was resolved in noticed my repayment terms were not recalculated. It took countless calls before a customer service rep finally understood what I was talking about. I do not feel like many reps are qualified to discuss loans. After that call my repayment was recalculated but the monthly bill was still incorrect. In my subsequent conversations I have simply been asking for a repayment schedule but all they can provide me is the repayment terms ( which takes XXXX business days for some reason ). The problem with the terms is the terms never reconcile to the monthly payment. The outstanding loan amount, interest rate, and repayment length always equal a different min payment than on the same summary. Some are too high, some are too low. I feel like I can never talk to someone who knows what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: HARD INQUIRIES : I 've been through this before with these XXXX. This has to do with recent complaints against XXXX XXXX XXXX. In closing out my line of credit ( my choice ) and in lowering my line of credit limit without telling me just 1 business day before I CLOSED ALL XXXX XXXX ACCOUNTS, I have been through this multiple times with XXXX XXXX. Two years ago they HIT HARD INQUIRIES ON MY CREDIT REPORT 5X for just a small line of credit. I complained to the CEO. Off course that took me to the CEO 'S TEAM in Arizona WHO ALSO HIT MY CREDIT REPORT HARD INQUIRIES. I have NOT applied or requsted anything from XXXX XXXX. I am ONLY GUILTY OF VOILA! ... wanting to pay off my bill with them and close account due to their poor business practices. Since I have CLOSED MY ACCOUNT WITH THEM MISQUOTING MY FINAL BALANCE DUE, WHICH WAS WRONG, NOW THEY OWE ME MONEY, I AM TOLD XXXX XXXX HAS HIT MY CREDIT REPORT 2 HARD INQUIRIES. I applied for nothing. HAVE THEY HEARD OF SOFT INQUIRIES? Apparently not! I WANT THESE INQUIRIES REMOVED IMMEDIATELY FROM ALL CREDIT REPORTS. Credit reporting agencies DO NOT GIVE CNSUMERS THE RIGHT TO DISPUTE THESE. THIS WAS DONE FOR MEANNESS AND MORE ANGST. THEY HAVE SOMEONE HERE THAT DOES NOT SING THEM PRAISES, BUT WILL TAKE STEPS TO PUT THEM OUT OF BUSINESS AS FAST AS I CAN. 2 TIMES AND MY CREDIT REPORT GOES DOWN XXXX POINTS. TAKE THEM OFF XXXX XXXX. I WILL REPORT YOU TO THE BBB FOR IMPROPER BANKING PRACTICES,, THE FDIC FOR IMPROPER BANKING, AND I HAVE REPORTED YOU HERE. I WANT MY MONEY YOU HAVE BACK IMMEIATELY IN OVERNIGHT MAIL AS I WAS IN AND PAID CASH. THAT IS NOT GROUNDS FOR A HARD INQUIRY AND YOU DID NOT HAVE MY PERMISSION. In tthe past, I dealt with XXXX XXXX of XXXX XXXX Exec Branch in Arizona. They even hit all HARD INQUIRIES. I WANT ALL REMOVED AND I WANT THEM REMOVE NOW. I WILL THEN REPORT EACH INDIVIDUAL CREDIT BUREAU FOR PUTTING THEM ON. I never requested another thing from XXXX XXXX and want nothing but the money they overcharged me on XX/XX/XXXX to close my account and each day they keep it, I want interest that they charge me daily added to it. RETURN MY MONEY. REMOVE HARD INQUIRIES OFF MY CREDIT REPORT. YOU ARE NASTY NASTY PEOPLE. THE PEOPLE ARE ON TO YOU!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: CFPB CASE # XXXX XXXX XXXX XXXX XXXX XXXX file suit on debt time barred. Judgement/Lien are preventing home mortgage refinance resulting in extreme financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I had a substantial loss of income and my current monthly expenses increased, exponentially. As a result of this, I fell behind on my mortgage and it became a snowball effect that I could not manage nor control. I have since then reassessed my financial situation and want to short sale my home to avoid even further financial disaster. My local congressman, XXXX XXXX, stated that I have a right to short sale my home to avoid foreclosure. My real estate agent, XXXX XXXX, has been working around the clock to find a satisfactory offer and will be submitting it to XXXX XXXX, today. I am hoping that with the assistance of this formal civil complaint, that I can have the short sale reviewed by someone in the XXXX of the XXXX at XXXX XXXX. I am a XXXX  citizen, over XXXX years of age, and I believe that to a degree, this is elderly abuse. I have tried to modify with XXXX XXXX for the past 5 years of my life but was asked over and over for the same documents and was passed from negotiator to negotiator, making no clear headway, ever. There is a sale date slated for XXXX XXXX, XXXX, which I would like postponed while my short sale offer is reviewed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just got an update that I have a over due bill in collections from XXXX. I called XXXX as well as the collection agencies that work for XXXX ( XXXX ) to check if I had a past due balance. 
XXXX and the credit agencies confirmed that I do not owe any past due accounts and they have not reported me to the credit agencies. 
This information is erroneous. It will impact my business hence I would like to get it addressed ASAP or I would be forced to take legal action.

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 11-09-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease

Complaint: I renewed the lease on my car, and my state requires that taxes associated with that are paid up front for the duration of the lease. I made the full payment for my car for the month, but I was not able to include the taxes associated with this. Honda applied my payment to the taxes, not the car, and then reported me 30 days late. I called Honda and they acknowledged that the payment should have been applied to my car payment and not the taxes, so they removed the 30 day late. However, I renewed my lease payment again, they applied my payment to the taxes and not the car payment again, and I have a late on my credit for this reason again in XXXX 2017 with XXXX. I would like to see the 30 day late removed, for XXXX as I did make my car payment, just not the payment for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Auto) with ERC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( 2 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ( 5 ) XXXX ( 4 ) XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX ( 3 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) i would like them removed from my credit file

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. 
I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. 

I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Customer service / Customer relations

Complaint: Card suspended with no prior notice and no arrearage, for alleged missed payment despite web posting showing next payment due XXXX XXXX, 2017, and no indication that anything was amiss or irregular.

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 03-09-2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Firstly I had an account with US Bank for 2 yrs during my college. When I went out of the country there were a couple of overdrafts which were paid off as soon as I came back and my account was fine for a year. After 2yrs, when I reached out to a nearby bank to deposit money I was told my account was closed and I would receive a cashier cheque through the mail which was told to me when I went to the bank a week ago. It 's been more than a month and I have n't received any mail from the bank and when I try to call the people at the bank they try to avoid me by not picking my calls and I persistently keep calling them and put voicemails which never get answered. If this is the kind of business US Bank wants to do I really want to complain about this. 
Information : Debit Card Account Number : 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 non-monetary relief