milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Security Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Federal student loan) with Alorica Inc. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, Experian and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.

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 11-02-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Now that we were finally discharge from Chapter XXXX it did n't take no time for Caliber Home Loans to call me and harass me and tell me we owe for XXXX payment and XXXX payment XXXX. Our mortgaged payment is XXXX and we have been sending XXXX. We sent XXXX payment out the XXXX and they are saying we did not pay it. Also there asking for XXXX payment already and we just mail it. We have 15 days and they say we are a month behind every month. This is not right we have made our payments faithfully and the extra money we sent was for the modification that we though we had in XXXX and they fail to tell us after we were approve for it that they took it away. But they are saying we owe {$2000.00} which is a lie and then they said they will charge us a penalty every month for non- payment. Because according to them we are late even if we have 15 days to pay. I am sick in tired of XXXX, XXXX XXXX and now Caliber they are all evil and do n't care about the person only on how they can XXXX us over. We pay a high interest rate of 9.35 and they figure if they can say we owe nobody else will finance our mortgaged and they can take advantaged. We need this to be resolve again and taken care of as our payments are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I sent XXXX Bitcoin Cash to Coinbase witht he intent to sell it into my USD wallet. Coinbase accepted my transaction, but when I went to sell the BCH moments later it would not allow me too, citing that it was disabling buys and sells. I signed up for updates to the problem, but never recieved any updates, and watched my account value drop by over XXXX dollars. I never found any updates by coinbase that buys and sells were working again, but just kept trying, and was successful on XX/XX/XXXX, late in the afternoon. On XX/XX/XXXX, I bought Litecoin on coinbase, and tried to sell 5 minutes later, recieveing the same disabled notification for buy 's and sells, citing volume.

Coinbase is systematically ripping people off, and should be held accountable for their inability to protect our funds and function when it benifits the users that trusted them. Currently, coinbase only seems to funtion or fail when it benifits them, and the trend is consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Other banking product or service) with FIRST REPUBLIC BANK (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: We are in the midst of construction and realized we needed a significant change order due to some structural issues that arose. We called a number of banks and found out that most banks would n't do a home equity loan while under construction. We spoke to First Republic and they said that they could do things other banks could n't and offered us a home equity loan. We spent two months filling out paperwork, notarizing items, and working through their process. I was also told I could draw on my original home equity loan at another bank during this process. However, when I went to write a check I realized that they had closed my home equity loan with my other bank!
After two months, they called me and explained that they were n't giving us the loan since we were too early in construction. This seems crazy considering that they had an appraiser come out and photograph the project and we were very honest as to where we were in construction. Another large issue is that they tried to force me to open a checking account and I refused until they opened the loan.
Therefore, my complain is on three fronts : ( 1 ) useless opening of loan paperwork due to lack of due diligence, ( 2 ) closing of my other accounts when they specifically told me using that old account was not an issue and ( 3 ) trying to force someone to open a checking account for a loan they were not planning to grant me ( bait and switch ).
While I 'm not doing business with this company ( nor would I ), others should be warned about their business practices.

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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My student loans with FedLoan Servicing were in Forbearance XXXX and XXXX. I have uploaded those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection notice from this agency without ever receiving any notice of the claim prior nor validation of the claim such as utility statement. Agency stated no further action would be taken until validation was secured. Posted to credit agency which has cused a denial for apartment rental

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX XXXX that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit determination

Complaint: SYNCB will not work with me for nothing they told me they didnt care

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 (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX and XXXX, Wife and Husband, true and lawful Attorney-in-Fact XXXX trade name XXXX has been in contact with BANK OF AMERICA , N.A . ESCALATION DEPARTMENT at XXXX or XXXX or XXXX, and BANK OF AMERICA , N.A . FORECLOSURE DEPARTMENT at XXXX since Tuesday, XXXX XXXX XXXX until Monday, XXXX XXXX, XXXX and has spoken to XXXX ( XXXX ), XXXX ( XXXX ), XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, SUPERVISOR XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX during this duration of a little over a month, and THEY all stated that according to BANA 's records, BANA has put the foreclosure on hold since XXXX XXXX, XXXX, and there is no foreclosure sale scheduled. 
So if that is true, then why did XXXX just find out that someone without BANA 's knowledge is attempting to hold a public auction on Tuesday, XXXX XXXX, XXXX ( open " First Attachment '' ), when there is an " Amended Notice of Pendency of Action '' filed and recorded with the EXECUTIVE ADMINISTRATIVE BRANCH OFFICE OF THE FEDERATED STATE OF HAWAI'I DEPARTMENT OF LAND & NATURAL RESOURCES BUREAU OF CONVEYANCES on XXXX XXXX, XXXX, giving " CONSTRUCTIVE NOTICE '' to the world that there is a " QUIET TITLE CIVIL ACTION '' suit actively pending. ( open " Second Attachment '' ). 
How is that possible anyway, when a foreclosure of a Mortgage may not be brought by one who has no title to it. XXXX. 
Its apparently obvious that BANA 's left hand does n't know what BANA 's right hand is doing or BANA does know about this attempted public auction, and is still knowingly and intentionally practicing deceptive and unfair acts and practices??? 
( 1 ) Lawyers can be " debt collectors '' under the FDCPA even if they are engaged in litigation activity. XXXX ( XXXX ) ; XXXX ( XXXX ) ( addressing what it means to be " regularly '' engaged in collection of debts ). 
( 2 ) Even if your law firm is a limited liability company, the owner of the firm may be directly liable under the FDCPA. XXXX ( XXXX ). 
( 3 ) Debt buyer directly liable under FDCPA if it engages in collection activity. See XXXX ( XXXX ). 
( 4 ) Debt buyer may be vicariously liable if principal-agent relationship exists. XXXX ( XXXX ). 
( 5 ) Debt buyer almost always vicariously liable for their attorney 's conduct. XXXX ( XXXX ) ( " Congress intended the actions of an attorney to be imputed to the client on whose behalf they were taken. " ) ; see also XXXX ( XXXX ) ( debt collection company can be vicariously liable for actions of collection attorney ). 
( 6 ) XXXX ( XXXX ) - letter case. " ... a debt collector may be held vicariously liable for the actions of a second debt collector working as an agent of the first, regardless of whether that second debt collector is an attorney. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Open XXXX charged me for a debt that is incorrect and would not attempt to resolve and debt collector will not fix.

Company public response: Company chooses not to provide a public response
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax admitted that personal information was compromised, including social security numbers. Mine was part of this list that was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Federal student loan) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with U.S. Collections West, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: All of the above. They were previously required to not contact me by phone. They have contacted people we know, employers, landlords even before initiating contact with us. They ask questions of minor children, talk to whomever answers our phone and ask for work phone numbers. Tell people it is debt collection and threatened me personally with regard to " digging into my personal background and history no matter what length ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: HSA Bank, who my current employer uses to manage employee health savings accounts, contacted me about a contribution that had been made to a closed HSA account in my name. Upon speaking with an HSA Bank employee, XXXX XXXX, I was informed that my previous employer, XXXX XXXX XXXX XXXX XXXX - who I had not worked for in almost a year and a half - had made an HSA contribution on my behalf. 

I informed her that I was no longer employed by that entity and that any funds contributed by them should be returned. I was provided a form to assist with this. XXXX XXXX provided the date and amount of the contribution as I did not have access to the closed account. At the time, it did not occur to me that the amount XXXX XXXX provided was the same contribution amount as is presently being made by my current employer, XXXX. 

This did not become apparent until I was notified that HSA Bank had closed my health savings account on or about XXXX XXXX, 2016. After determining that HSA Bank had inexplicably attributed contributions from my current employer as being made by my past employer, the account was re-opened on XXXX XXXX, 2016. 

During the time the account was closed, XXXX separate pay periods elapsed, and contributions were deducted from XXXX different paychecks and made towards my HSA account even though no HSA account was open in my name. Eventually, HSA Bank populated my account with funds sufficient to cover XXXX of those XXXX contributions, but they have refused to answer any requests I have made regarding the missing contribution. 

On XXXX XXXX, 2016 XXXX XXXX with HSA Bank, with whom this matter has been previously discussed, was provided with a detailed email reviewing the circumstances and requesting information as to where the missing contribution was deposited or refunded to, but to date, she has provided no response. 

HSA Bank has not provided an accounting of the missing funds, and has failed to explain why the funds where incorrectly identified as having been made by a previous employer.

Company response to consumer: Closed with explanation