milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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 02/21/2018 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: Billing dispute for services

Complaint: XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XX/XX/XXXXOriginal Amount : {$220.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX< Pay Status : >In Collection<

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 09-08-2016 about Debt collection (Medical) with General Business Recoveries, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the company and asked them to verify debt, I have sent emails and shown that debt is not owed, the company will not remove the debt and states that I was to difficult to talk too, I have asked for the proof that they own this debt and they continue to deny me of that, I have asked that they remove the debt with all XXXX credit reporting agencies and without assistance they tell me they will and do not, I have spent countless hours on the phone and emails and money to check to see If they have removed the debt and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: items on my credit report are old and chargeoff, accounts that i have paid are still showing late payments on my credit report. please help me get these issues resolve from damaging 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 11/30/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

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 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I was the victim of a robbery on XX/XX/XXXX at a local supermarket. 

After the robbery occurred unfortunately my cell phone and other forms of communication were off temporarily and since Im XXXX I couldnt step into a branch right away. 

I finally was able to come into a Wells Fargo branch on XX/XX/XXXX and within that time period my Wells Fargo business debit card was used fraudulently to the tune of over {$5600.00} in transactions both in stores and online and these obviously were not transactions authorized by my business as I provided a police report that day to help further my claim. This has caused my business checking account to also go over {$700.00} overdrawn as well. 

I disputed this fraud to Wells Fargo and they reviewed both my case and a police report that outlined the crime and still denied my claim within just a few days. 

Im appealing this to the highest degree because these transactions were truly not authorized by me or my company and this has caused a major disruption within my business.

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 Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit card protection / Debt protection

Complaint: To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is not mine please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (MN).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I am from XXXX, came to US in XXXX to pursue my XXXX in University XXXX ( XXXX ), XXXX XXXX, ND on an XXXX ( XXXX XXXX ). I was maneuvered as a cosigner of student loan in an unfortunate and insidious situation by the primary borrower XX/XX/XXXXand the principal of the student loan was {$9200.00}. The primary borrower, an US citizen, was working as XXXX XXXX of XXXX where I joined to pursue my XXXX program and later started working as an part time employee of XXXX section of XXXX and also. She took advantage of her position at XXXX and me by asking to cosign her own financial loan application. Because of different cultural background, lack command of English language used in statutory/promissory and deceived and untruthful manipulation by the primary borrower I could not asses the gravity of the cosigners responsibility. According to my previous knowledge and experience about loan process in back in XXXX, I thought my signature was just for verification of identification of borrower, no financial responsibility associated. Also in XXXX the financial obligation of cosign is fulfilled by immediate relatives of primary borrower whose assets and financial conditions are judged before. Furthermore according to the rule I do not qualify as a cosigner as I am not XXXX, the primary borrower being an employee of XXXX then, had convinced me the same ( use my signature just for verification purpose, no financial obligation involved ) and asked for a 'small ' help for her academic advancement. She also took responsibility that I would not have any financial obligations as I am an XXXX who do not qualify as cosigner. I also intended to help her as my past colleague to pursue her academic advancement without any financial responsibility. 
Unfortunately, she after few initial payment stopped paying the loan and I started getting letter, phone calls and a letter from the creditor 's attorney to me threatening of legal action if loan is not paid. I communicated the bank through phone call and letter from my side and also by an attorney who sent a letter on my behalf to the banks attorney in response ( in XX/XX/XXXX ). I conveyed them several time that I do not qualify as a cosigner for the loan and requested them to exclude me as cosigner but Bank did not listen to that. 
I am still receiving letters and phone calls. My credit score has severely affected by this outstanding loan amount. I am getting immense mental stress and harassment. I would like to know what the solution of this issue is. I am attaching the copy of the promissory note of the loan that I signed as cosigner. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: 1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 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: As many know, EquiFax has been negligent in protecting a great majority of the United States citizens ' personal information. These Americans ' personal information can be used to steal their identities and ruin their lives. This can not be ignored, as the data breaches occurring through XX/XX/XXXX to XXXX XXXX 2017 will affect millions of Americans, with the impact lasting for decades. This complaint will be one of  thousands against EquiFax 's negligence, but is important nonetheless. This complaint is aimed to possibly be used, along with countless others, in lawsuits against EquiFax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with STATE FARM BANK, FSB (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: state farm bank XXXX account XXXX {$5000.00} was result of fraud and disputed

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other service problem

Complaint: On Friday XXXX XXXX 2017. I attempted to cash paycheck at Bank of America XXXX XXXX Branch. I do not have account with Bank of America. Check was a Bank of America Issued. I had cashed paycheck previously at same location. Such was my surprise when the teller called the manager who then denied me services.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the information provided to and supplied by https : //www.equifaxsecurity2017.com/XXXX, my personal information was leaked as part of Equifax 's major security breach that Equifax discovered on XXXX XXXX, XXXX and made public on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Other mortgage) with BB&T CORPORATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have had damage from Hurricane XXXX, from XXXX foot storm surge in my downstairs. The adjuster came, I received a check, but the check was written to me and my ex 's mortgage company BB & T. XXXX will not change the check for me. From my divorce decree, it is very clear that I am the only homeowner, and because my ex did n't have the cash to pay me off in the divorce, I allowed him to change the mortgage to his own name. BB & T purchased his mortgage apparently. I have made about 20 phone calls to their Property Damage Claim Department XXXX, and have sent in personal documents they have requested despite the fact that I have no relationship with them, contractually or otherwise. I asked them to allow me to get a local branch endorsement so that I could proceed with the hurricane damage repairs, but today they turned me down and expect me to endorse the check over to them and turn my life and house over to their control. The check is for flood insurance that I paid voluntarily due to my property being in flood plain XXXX, which does not require flood insurance to be escrowed or even kept on the property ; I did this for my own safety, and if I did not have any flood insurance, would have taken a financial beating with this hurricane, and BB & T would not lose a dime regardless. I am tired of their meddling in my business, and refused to submit to their demands that I endorse the check over to them, file all manner of paperwork with them and inconvenience my subcontractors. Once again, I have no relationship with BB & T at all, and the mortgage on this property is a very small percentage of the value of the home, yet I would lose a tremendous amount of money if I were forced to sell it with the damage.

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