milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I happened to take a look at my Transunion credit report and noticed that there was an open collection from XXXX XXXX for a balance of {$760.00}. I tried contacting them but the number they have listed on my credit report is a non working number. It states that account was opened XX/XX/2010 with XXXX. I NEVER opened an account with XXXX XX/XX/2010. XX/XX/2010 I was training with XXXX XXXX and it would have been impossible to open any accounts then. There was also a fraud alert placed on my credit report because there were items popping up that I have no details about. I would like this taken off my credit report because it does not belong to me. XXXX also has no knowledge of any account being opened by me XX/XX/2010. It also states that I was making payments and I am making no such thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously filed a complaint against this company due to poor customer service and they tried to collect on a debt that XXXX had no record of. The company responded and agreed to close the account delete it from my credit report. Last week i got notification that they are reporting on my credit again. I called on XX/XX/XXXX and spoke with a XXXX XXXX who acknowledged that the account was closed however stated that a manager needs to review the account and call back. I informed her that I will hold on however she started getting an attitude and was extremely rude. Terrible customer service. I called back on XX/XX/XXXX since I did not get a call back from the manager and spoke with a XXXX who stated that a manager, XXXX XXXX, will call me back. Once again i did not receive a call back. This has been reporting inaccurately on my credit and is damaging my credit score. This company has sent me a closure letter agreeing to delete the account from my credit report and they are inappropriately reporting the same account again. The representatives refuse to speak with me and management does not return my phone calls. Every telephone communication with this company, aside from XXXX, has been horrible and they all have terrible customer service. If this remains on my credit report i will be forced to press charges for violation of the FDCPA.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, I checked with Equifax to see if my information was possibly compromised, and seemed to have been given a response. The site, https : //www.equifaxsecurity2017.com/, asks for my last name and social security number. Multiple other customers have tried using fake information, ( https : XXXX ) with the website stating that said even those " customers '', with information such as Test as a last name and 123456 working as a social number, giving a false positive ( https : XXXX ). I believe my information has not been used correctly, instead been used to offer me a product for ID protection for free which will begin to cost after one year of usage. My information may or may not have been compromised, and Equifax is not giving a solid answer. Instead, I am being pushed a product I do not trust by said company who has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.

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 10-09-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: This is my 3rd complaint on this company their are continuously going on up on my mortgage without reason. Last statement I received stated that I had a overage of {$38.00} with to me means {$38.00} too much. I also called them and tried to find out about my payments going up over the overage but, I keep getting the run around. I was not given the chance to pay the {$38.00} so that it wont be added into my mortgage. By law I should have been given that option. I have called 3 times in XXXX alone. No one has returned the calls I left with their account specialist. They keep putting me on hold and hanging up or just going to different voicemails. For some reason they keep doing escrow analysis on my account and going up on my mortgage. I have had 2 done in less than 6 months. I feel like their just trying to find a reason to go up on my mortgage. That law states that escrow analysis are done annually. Which is once a year.

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 02-11-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Coldwell Banker ( PHH ) for the past 12 months after my divorce in an attempt to lower my mortgage. they have been less than cooperative, demanding the same documentation over and over again, claiming non-reciept on every occasion. they refuse to cooperate and are unwilling to negotiate. It is a never ending cycle of noncooperation on their part. After months of frustration with Coldwell Banker I asked for assistance from XXXX XXXX XXXX development corporation to get a resolution for my case. I have been working with XXXX XXXX XXXX who can been reach at XXXX for the past 12 months. Even with his assistance I still receive the same response from Coldwell Bankers ( PHH ). Missing documentation letters or letters asking for the Home Assistance Packet to be filled out again? Meanwhile the amount that i owe keeps rising and Coldwell Bankers ( PHH ) also keeps tacking on huge late fee, which have been accrued due to them not coming to a decision on how to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with I.C. System, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent disputes letters to the credit bureaus for this account, and the company did not respond. The company says I owe 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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.

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 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.

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 02/26/2016 about Credit card () with U.S. BANCORP (TN).
Issue: Convenience checks

Complaint: We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card again.

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 12/22/2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Closing/Cancelling account

Complaint: I attempted to use my JCPenney credit card on XXXX/XXXX/15 and I was humiliated when my purchase was rejected. I was told to call a XXXX number. I called the XXXX number and I was told my account had been closed for " inactivity ''. I was told I must use my JCPenney card within 6 months or my account would be closed. 
I used my JCPenney card within 5 months without a problem, my account was still open in XXXX 2015 when I used my JCPenney card. 
I attempted to use my JCPenney card again on XXXX XXXX, 2015 and JCPenney had closed my account fraudulently. 
My account should NOT have been closed and this will be reported on my credit report as JCPenney account " closed '' due to inactivity which is NOT true. 
Prior to my account being closed, JCPenney also decreased my credit limit without notification. I was not notified as to why my credit limit had been decreased. 
JCPenney is conducting fraudulent activity to decrease customers credit limit without their knowledge and close their accounts when customers are not aware of their 6 month " inactivity '' rule. I was told I have to reapply for a credit card. 
My JCPENNEY credit card was used within their 6 month " inactivity '' rule my account should NOT have been " CLOSED ''. 
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as " closed '' due to " inactivity '', this is fraudulent information reporting on my credit report and my account was " closed '' fraudulently by JCPenney.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (FHA mortgage) with AMERISAVE MORTGAGE CORPORATION (AR).
Issue: Application, originator, mortgage broker

Complaint: XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (IN).
Issue: Managing the loan or lease

Complaint: When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!

Company response to consumer: Closed with explanation