milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom thi s may concern : I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displays a sign of financial trouble, w hen that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of  a hundred and twenty  days

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 06/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again!

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: the credit reporting agency never removed it off my credit report i have a letter from the company

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 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was in the hands of XXXX, I disputed it with them and it was deleted from all XXXX credit bureaus. A few months later I am applying for a home loan and it shows up with a new lender ERC, I have never been shown proof that the account belongs to me. I have had XXXX for over XXXX yrs, no need for XXXX It 's inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. 

On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the  authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. 

Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''

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 05/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My name is  XXXX   XXXX . I am having an on-going problem with Bank Of America. I feel like they have discriminated and criminalized me for things that happened within my account that simply can not control. I recently had an issue with Bank Of America where 3 months ago someone fraudulently made purchases on my account. I was accredited that money back from BOA with the assurance that everything is ok and it was evident that someone took my card and made fraudulent purchases. On my payday, I woke up to see that on  X/XX/2017    BOA waited until my direct deposit dropped and took money from that deposit to get back the money that they gave to me after someone made the fraudulent purchases. After talking to numerous BOA representatives, I 've realized that they have come to conclusion that I was the one who had been making the fraudulent purchases. Several BOA representatives have told me that in order to get my money back I will need to get a police report. With that being said I made the clear decision to take time out of my work schedule to file a police report. In the mean time I had no money but fortunately I had a check from one of my family members that I decided to cash on saturd ay (   X/XX/17    ). The check was for {$7000.00}. Now I am no stranger to how depositing checks work. It usually takes a few business days which i am aware of. But, on  X/XX/17    I woke up to an alert saying that my bank account has been $ - XXXX  insufficent and my check wouldnt get processed until a month later. I have deposited MANY checks from BOA, most of which were close to the {$7000.00} check that I deposited and it NEVER took this long. I believe that ever since the problem with the fraudulent activity BOA has been treating me unfairly. I am very upset and offended that a bank that I have invested many years into, has been treating me as if I am a criminal. Not to mention that the person who wrote me the check is a family member and is on record to have wrote me checks close to the {$7000.00} check and NONE has bounced or considered to be fraud. I would like to see all of my money back, insufficent charges off and I would like to be released from this bank. I literally have no money to get to and from work, all because BOA has decided tho treat me unfair.

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 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I see on my credit report that there is a collection account for something I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm charged late fines when it does n't show anything overdue. I have emailed and spoken to a representative about the matter, but they say I 'm not paying enough with the interest. However, it never states on my bill what I need to pay to actually cover all the costs to avoid the late fees!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Shopping for a loan or lease

Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Checking or savings account (Other banking product or service) with Coinbase, Inc. ().
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello I was just logged in to my CoinBase account at my XXXX vacation. CoinBase Auto Ban-Ip system banned my account suddenly. I just wanted to check my balance and to see charts and whats going on. It has been 2 months that i reached them about this case and i sent them all of my proof documents ( PASSPORT, Driver License, Bank Account Payments ) but i didnt get any results. Im still waiting for ID verification but i still dont get any response from www.coinbase.com.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed about {$1100.00} to the company which I paid in full on XX/XX/XXXX. Since I had previously had payment of {$29.00} scheduled for the XXXX of each month, I made sure to call chase bank customer service, talk to a representative just to make sure that I didnt owe any more money. Also I did ask the representative to cancel all the scheduled payments and I was told that it was done. 
However, I still got charge for {$29.00} after I paid my balance in full on theXXXX. After wrongly overcharging me {$29.00} which has compromised my plan for other paiement that I had scheduled, they charge interest for no reason after I paid my balance in full. Please help take action so that no one get ripped off this way. It is illegal and unfair and nobody should go through that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold bank account through a promotion ( promo code XXXX ) and completed the requirements in order to receive XXXX XXXX XXXX miles. 

Here is the Summary of the Promotion Requirements for XXXX XXXX : - Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
- Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Fulfillment : The AAdvantage bonus miles will be credited by Citibank to the customers AAdvantage account within 90 calendar days from the date when the customer completes all offer requirements. 

I opened a Citi Gold checking account on XXXX/XXXX/16. I received confirmation from Citigold Customer Service that I met the promotion requirements on XXXX/XXXX/16 ( documented and saved ). 

Per the promotion requirements, 90 days after my completion date was XXXX/XXXX/16. I have tried contacting Citi multiple times asking when I will receive my XXXX AA miles and they have not provided a firm date or deadline regarding when this will be accomplished. They told me that they are going to open up a case regarding my question but they do not have any definite timeline regarding when I will receive my points. Please help. 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 non-monetary relief
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just received a letter from Linebarger, Googan, Blair and Sampson LLC. I have tried numerous to do payment arrangements with the State of Illinois, I just went back to work in XX/XX/XXXX after being out of work for 5 months, then I tried to get through to the law firm but I am waiting on hold for several minutes, then automated system asked me to out to put in the reference number but I never get to speak to anyone. I should not be charged any collection fees, the State of Illinois also informed me in writing they would take my taxes which I am okay with but State of Illinois should be more willing to work with people. I was out of work and unemployment did not cover all of my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am on ssi and have insurance that covers medical bill I have no co pay but they put bills on my credit report any way please remove medical

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted on XXXX occassions from people claiming to be from commonwealth with a lawyer named XXXX XXXX threatening to sue me if i do not pay him within 72 hours. I was also told I would have to pay {$5000.00} in fines and court fees and that a uniformed officer will be coming to my home. XXXX also threatened me saying " dont worry maam Ill see you ''. He refuses to give any additional information. I explained to him that I paid the card off and have proof of it and I was willing to forward it to him, to which he replied he didnt care and that I am lying and it wasnt paid and I need to pay him. He is threatening and rude and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with I.C. System, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not reporting correct date with credit grantor. Should be showing 2014.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act.

Company response to consumer: Closed with explanation