milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: They are trying to damage my credit with a loan i did not take out.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I was a victim of fraud involving my Bank of America debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to " sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a " processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said " We will not look at video or question anyone, it 's just {$85.00}. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. 

One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 
2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 
3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 
4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 
5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 
6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 
7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. 
TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}. 
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.

Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.

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 01-11-2017 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to Santander Consumer USA letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Santander Consumer USA refuses to delete the fraudulent accounts from my credit report stating in a letter its verified Santander Consumer USA provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: transunion not helping fix my ID Theft and inquires

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 07/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I had a dormant account with Bank of America. Bank of America continued to charge monthly maintenance fees until the account was empty. After the account reached {$0.00} balance, Bank of America charged maintenance fees rather than close the account - leaving me with fees to be paid. Bank of America has threatened to send to collections for payment of fees rather than simply close the account when the account ended at {$0.00}. I contacted Bank of America at XXXX ET on X/XX/2017. Bank of America Representatives transferred me to a department and I was disconnected.

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 05-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I have property in XXXX, Ohio. Morgaged via Fifth Third Bank. I missed a payment and continued to be harrassed by Fifth Third Bank personnel. I requested that they do not bang on my home door. Not only do they appear at my door but each day I have received un-postaged envelopes in my mailbox and envelopes taped to my outter door for other residents to see. I have pictures of the envelopes left at my home. This is harrassment and intimidation by Fifth Third Bank that I do n't believe other customers are treated. I am an XXXX Female

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (OK).
Issue: Struggling to pay mortgage

Complaint: XXXX 2015 received loan modification with a new payment of {$440.00}. 4 months later we were informed escrow was negative XXXX. I paid XXXX to pay back escrow. The following year escrow stated I was to pay XXXX for escrow was now negative XXXX. 8 months later I discovered 4 house payments mailed back for flagstar stated it was XXXX dollars short. I mailed money orders to avoid XXXX dollar call in fee. In default again after I was struggling to pay extra every month. Hired a lawyer for possible chapter XXXX but ca n't afford the process.currently loosing my home. I am part of class action law suit. I 've received two reimbursement checks. Flagstar strung us along for so long trying to get a modification only to deny us so we got a lawyer. In the end they refused my money causing me to default.

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 07/24/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to get this removed for a while now. I sent them a police report and they emailed me 2 weeks ago that it would be removed from my credit and it is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I bank with Bank of America.I had a check deposited after XXXX on XXXX/XXXX/2015. My balance at that time was XXXX. The local banks were closed at the time. When I checked my bank account the following day it showed an overdraft fee of {$35.00}. I contacted the bank and they advised me that the check was processed between XXXX XXXX and XXXX on XXXX/XXXX/2015. I had a direct deposit into my account at XXXX on XXXX/XXXX/2015. In the past I have received notifications from my bank stating that I had until XXXX to make a deposit in order to avoid an overdraft fee. I received no such notification from them for this overdraft. The bank refused to reverse the overdraft fee. The check was specifically deposited after close of business to avoid an overdraft fee. They could not give me a reason as to why I was not allowed until XXXX on XXXX/XXXX/2015 to make a deposit. They show the deposit as occuring on XXXX/XXXX/2015 even though it was not processed until XXXX/XXXX/2015. I should have been given until the deadline of XXXX on XXXX/XXXX/2015. even if the check was processed at XXXX a deposit occurred XXXX hours later. I feel that this was an unfair practice by my bank. in order to charge me an overdraft of {$35.00} so taht they could make money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.

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 04/29/2015 about Debt collection (Payday loan) with MNE Services, Inc (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A gentleman called me at my place of employment and stated he is with US Fast Cash. He told me i owe {$790.00} for a payday loan. I asked for documentation for this debit. He told me he ca n't provide it. He has been asked to stop calling my job and he continues to call and ties up phone lines. I have been scammed too many times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland Funding , LLC has been attempting to collect a debt as a collection agency. They have altered the date of 1st delinquency to continue to keep this collection on my credit report beyond the 7 years. I worked at XXXX when the mortgage meltdown happened, so I know pretty clearly the first date of delinquency coincides with me losing my job, them going out of business and me instantly not having any income. XXXX stopped doing mortgage loans in XXXX, and it 's parent company XXXX XXXX was taken over by XXXX XXXX in XXXX. They continue to report my first date of delinquency as XXXX. This is impossible. With no source of income, I cashed in all my retirement to keep lights on and food on the table, roof over our head. I had to stop paying all credit card debt. This is the only one that continues to harrass me with threatening phone calls STILL, after I wrote them a letter that they need to remove this from my credit report since the 7 years had passed. I know based on their " made up '' date of delinquency it will drop XXXX, but I do n't think it 's fair they have continued to plague my credit I am trying so hard to rebuild and make horrible threatening phone calls that there is a complaint against me and they will be serving me at my place of employment. This is after I have provided written notification to them that this debt must be removed pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief