milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: This is a complaint about Bank of America. Why am I being charged an {$8.00} maintenance fee? I do n't use the teller. 

These fees are illegal under Section 502-09 of the US Banking Code. Please remove the fees and reimburse me the fees.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (MI).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 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: Account information incorrect

Complaint: I have called equifax for a full two days. I promise on my life I have never received such horrible services. I ca n't even make this up and still in disbelief. On thurday XXXX. I called Equifax at XXXX to check on the status of a letter that was sent in to address unauthorized inquiries on my report. I have the Equifax Premier Plan which shows that I have multiple unauthorized inquiries on my credit report. When I go to the dispute link it does n't show the inquiries so I have called to address those concerns. While on the phone with a foreign rep and after explaining my life away about the issue he then transfers to me an agent then I have to reexplain myself to this foreign agent. Now this agent then go on to say they do n't see the inquiries and I explain to him that that is what my issues is. Its not showing on Equifax end but its showing on my end under my report with Equifax premier plan credit report. He then transfer me and from that point I 'm transferred a total of 6 times to other reps who stating I need to speak with another department. I was then hung up on after the 6 person whom I was transferred t. Before speaking to a U.S rep Im transferred to another rep who forgot to put me on a hold and you can hear him laughing and joking to a coworker and upon realizing it they place me on hold then hang up on me. This is after I have been on the phone being transferred for almost 2 hours. I had to call back and immediately asked could I be transferred to a U.S representative. Explained to the woman what have happened to me for the 2hours and she finally see what I was speaking of in regards to me having multiple credit profiles. Even she said she still had to transfer me to another department. I am close to tears because I 've never experience so much unprofessionalism in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build it.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX , Equifax and   XXXX   XXXX  .
As of today,   XXXX   XXXX  , 2017, I have not received a copy of my credit report from any of them this year.
I am applying for a mortgage and must get copies of my credit reports.
Please force each of these credit agencies to send me a copy of my credit report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: On XXXX/XXXX/XXXX I went into XXXX XXXX of XXXX XXXX in the intention of buying a car. I bought a XXXX XXXX XXXX, signed all the appropriate papers needed to complete the process. I signed the contract, left and was told on XXXX/XXXX/XXXX that I had to call XXXX and clear my fraud alert. I have a fraud alert because I am going through identity theft. I called XXXX the next day and was told by XXXX to go online and continue the process there. I did as I was told but it was not fast enough for XXXX XXXX, which to my understanding XXXX was not able to get funding for the contract. They kept calling demanding, pressuring and threatening me to taking my car if I did n't do my part. I stated that it took 5-7 business days for that process to go through. I was surprised that they let me go with a new car without doing the required process for approval. 
After verbally being told I was going to get the car taken away, I had had it with the company. On XXXX/XXXX/XXXX I told XXXX XXXX that I wanted nothing to do with the company. I told them that I was going to return the car and wanted an unwinding paper stating in the documentation about everything that had happened. The company waited until XXXX/XXXX/XXXX to comply with my demands. They still tried to have me keep the contract but I wished to have nothing to do with them. As of XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX took full responsibility in the issue and stated that they were going to unwind the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (MT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Trouble during payment process

Complaint: Doing a short sale with Chase on an FHA loan. We have had a full price offer in for three months, with approval from FHA. The approval to participate in the short sale expires XXXX XXXX and it is now XXXX XXXX, end of day, and we do not have an approval letter so the buyer can move forward. The short sale negotiator changed XXXX XXXX and nothing has moved forward since XXXX XXXX took over this file. I have reached out to the escalations department within Chase and to FHA and still the only response I get from the Chase short sale negotiator and the escalations department is that the file " is still under review '' ... There 's no legitimate reason for the approval to take 3 months or even two months after we have full approval from FHA to participate in the short sale. We only need the Chase approval letter to close this. But Chase is delaying this approval to the point that the buyer has now lost their interest rate that they were approved for and we are now at risk of losing the buyer due to Chases ' delays and the short sale negotiator 's negligence.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Transunion had a glitch which remove inquiry 's the without 5 day notice place back on account. I called and was told it they would be removed and a credit report would be sent to showing update still have not received report showing that it has. I just called XXXX spoke to someone name XXXX from special handling and to told to contact CFPB

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 12-08-2017 about Mortgage (VA mortgage) with ACRE MORTGAGE (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The Branch Manager at Acre Mortgage was very unprofessional with my home buying process. He never communicated any information to myself or my realtor other than my application was in underwriting and that was 2 weeks ago. I was set to close on XXXX XXXX but had to request an extension for XXXX XXXX due to XXXX XXXX not starting the paperwork until XXXX XXXX even though my contract had been pending since XXXX XXXX. We had to contact the corporate office twice because XXXX would never return our calls to provide a status of the loan. Now today is XXXX XXXX the potential closing and XXXX XXXX still has not contacted anybody about the status of my loan. He gave me the run around for 60 days when I could have potentially been dealing with another lender. The title company, realtor, and myself are beyond disappointed in the way this branch manager handled us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Debt collection (Payday loan) with Direct Recovery Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.

Company response to consumer: Closed
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Title loan) with U.S. BANCORP (WA).
Issue: Applied for loan/did not receive money

Complaint: I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. 

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 

The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. 

US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. 

In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX XXXX. XXXX XXXX. XXXX XXXX It has been an on going issue this year alone with XXXX & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.

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 10/20/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (KS).
Issue: Account opening, closing, or management

Complaint: Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am writing because Equifax mishandled my personal information including my Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. They confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
Equifax has put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They did not notify me of this breach. I heard about it on the news and then found out how to discover if I was an affected party by a post on social media.
Futhermore, Equifax is attempting to profit off of their negligence by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. When the trial periods end ( and the data that was breached is still vulnerable ), Equifax will charge money to " protect '' the information of the same people whose data they irresponsibly left vulnerable to attack.
These injured parties are also subject to hidden terms of service that waive their right to sue the company if they do avail themselves of the " trial period. '' There is also evidence of criminal negligence/fraudulent behavior with the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation