milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Payday loan () with Rosebud Economic Development Corporation (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Item XXXX ) First, The reason I am filing a Complaint against this XXXX XXXX XXXX is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than XXXX %. The interest rates on this loan is very high and some are well above XXXX % to XXXX % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any XXXX time. And, I have been paying on a total of ( XXXX ) XXXX loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this dateXX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via XXXX Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.

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 11/18/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (OH).
Issue: Managing the loan or lease

Complaint: Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) 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 09-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (PA).
Issue: Other transaction issues

Complaint: Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Castle Credit Co Holdings (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Payment history is being reported inaccurately by Equifax. This both lowers my credit score AND alters the DOFD, thus ensuring the negative account will remain longer than it should. 

I disputed this account information with Equifax ( XXXX ) and the dispute was completed on XXXX XXXX, XXXX. 

Subsequent to the completion of the dispute, I contacted XXXX XXXX directly, as they had previously sent an update to Equifax as a resolution to a CFPB complaint aginst them directly. I have the payment history in writing ( dated XXXX XXXX, XXXX ) from the original creditor ( XXXX XXXX ) and what Equifax is reporting does NOT match what the creditor assures me is being reported. 

The most egregious errors are Equifax reporting ( XXXX ) 90-day late payment in XXXX XXXX and ( XXXX ) 60 day late payments in XXXX XXXX and XXXX XXXX. These are NOT reflected on the payment history provided directly to me by XXXX XXXX and provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Another user adequately summed up how this has impacted me ( please do not disregard as what follows is mostly copied verbatim ) : Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media -- seriously, there 's something wrong with the fact that I learned of this on XXXX XXXX and foremost ... and I keep up with breaking news on XXXX/XXXX/XXXX/XXXX constantly. Regardless, Equifax should have notified the millions of people whose information it compromised much earlier. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of inquiry fraud and transunion is failing to remove these inquires off of my report I called and explained the situation that did not help. 

. 
XXXX XXXX XXXX. XXXX, XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX 3. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 4. 
XXXX Bank XX/XX/XXXX 5. 
XXXX XXXX Bank XX/XX/XXXX 6. 
XXXX Utilities & Fuel XX/XX/XXXX 7. 
XXXX Finance XX/XX/XXXX 8. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 9. 
XXXX XXXX Bank XX/XX/XXXX 10. 
XXXX XXXX Bank XX/XX/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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not 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 02-03-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 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: In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.

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 09/24/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I received a call this morning from Macy 's Collection saying I have not paid my bill. I was on the phone on XX/XX/2016 and paid the account while talking with a Macy 's credit person because I needed the paying information. The payment was made and has already cleared my account and Macy 's has not obviously updated their records. It is not 30 days past due and for me to tell Macy 's on XX/XX/XXXX as I called for the total on the account that I was submitting payment then and for collections to call is absolutely absurd. For my account not to be past due to have a recording of Macy 's supervisor yelling at me that I owe them fees and charges and they refused to close the account unless I paid again for the account and all fees has to be against collection regulation. I was called a deadbeat because I was not paying my account. I want all fees waved and I want this account closed with no penalty on my credit report and I want Macy 's to pay for their collection issues. Yelling at me, calling me names and telling me I have to pay now while refusing to close the account unless I pay right now over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,  2016 , I applied  for a Lowes Credit Card to finance the purchase of my kitchen remodel of approx. {$50000.00}. I was told that the remodel will take 2-3 weeks once the kitchen cabinets arrive. The remodel has been completed but it took 22 weeks!!!!! I went 8 weeks without a functioning kitchen. I have incurred out of pocket expenses due to this delay that was not of my during. I have repeatedly contacted Lowes Corporate Office indicating that the matter would be escalated until resolution. I still have yet to be contacted and/or reimbursed for my out of pocket expenses, plus any compensation for the inconvenience of the delays.

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 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX accounts with Experian and each time I dispute the information they come back stating that it is my account without sending a validation of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.

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