milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, 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 explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to place a credit freeze with Experian and found the website unresponsive, the site is without graphics and the freeze button is not responding. 

This looks like an attempt by Experian to game the regulations by making it difficult to impossible for security freezes to be implemented.

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 01/13/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account in Bank of America about one month ago. Before that, I did n't have any business relationship with BOA. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by BOA. And I can not have any account for lift time with Bank of America. When I asked the reason, BOA risk department just told me again and again : " It is a business decision ''. 

I do n't understand why BOA first approved my account application and closed it immediately. I did n't do anything harm on BOA. And considering I never owned a BOA account, debit card or a credit card, I really can not understand why BOA did it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Rewards

Complaint: In XXXX 2015 USAirways ( Barclay Bank ) switched my credit card account to the XXXX XXXX card. With USAirways I had a {$99.00} companion ticket to fly. I tried to use it today and XXXX advised me that the companion ticket was no longer available as of XXXX 2015. My complaint is that I was never notified that the companion ticket was being cancelled and therefore did not get the opportunity to use it before it expired. I would like for XXXX XXXX credit card to honor the {$99.00} companion ticket.

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 04/29/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with AC Autopay, LLC (NY).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: During the past 5 months the following has occurred with Citibank customer service : Given conflicting information by each customer service/or account manager regarding my account or policies such as when and how payments are processed ; given wrong/out dated address to send payments by a manager with CitiCard-the address given to me was XXXX. XXXX XXXX, XXXX, Ohio XXXX. This address is old and outdated. I asked the representative several times and he stated this was correct and it was not. The Office of the President listens to the calls and attempt to " explain away '' the mistakes. 

Presently, a {$1000.00} payment I sent on XXXX17 has been lost/misplaced and no one can seem to find it. 

Such problems have been happening over and over and corporate does absolutely nothing and neither attempt to compensate me for the mistakes made. 

I have also experienced being over charged for transferring funds. The system states {$5.00} or 3 % of the balance transfer on all of the promotions that I received. I was charged more than 25 %. This was refunded to me after I caught the mistake and called Citi. 

However, I am so tired of behaviors like these.

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 01/22/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FOR THE WILL NOT GIVE ME MY FILE AND TELL ME WHAT I PAYING FOR THEY HAVE TOTALLY MESS UP MY HEALTH BY NOT GIVING AND RECORD TO MY DR. TO TELL THEM WHAT HAPPEN TO ME AND I TO THIS DAY HAVE NEVER SEE ANYTHING ON PAPER SHOWING WHAT THE DID BESIDE NOTHING FOR THERE NEG. I 'M TRYING TO GET ON THE XXXX AS IF I WOULD OF KNOWN SOMETHING IT WOULD OF MADE A DIFF IN MY LIFE I 'M NOT PAYING A XXXX UNTIL THEY TELL ME WHAT THEY DID I WAS FROM OUT OF TOWN AND THEY XXXX IT TO ME. AND TELL ME I WAS IN THE XXXX TO WHICH I NEVER WAS.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 01/21/2018 about Debt collection (Medical debt) with Cornerstone Holdings, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Medical) with MST Financial Services, L.L.C. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Delinquent account

Complaint: I believe what happened was a system error. I normally pay my cards online and I remembered making my payments for those months ; I have not missed a payment since I had the card. It could have been a system error and the payment was not processed. I also was never notified about my late payments- no phone calls, emails or mail to inform me about the late payment. I only noticed that I had missed payments when I checked my credit profile online. I have already contacted US bank and settled this issue with them and told me to explain my situation here. It was an honest mistake, simply overlooked the accounts and did not catch that the payment failed to go through. Since this never happened before, and is affecting my credit greatly, I am requesting that this report be removed from my account. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have a Bank of America small business checking account that is linked to XXXX. Periodically they update their security or something else, rendering my account impossible to access through XXXX. When I call I am told that it is a XXXX issue,. I call XXXX and they say that it is a Bof A issue. Last Saturday I spent 4 hours on the phone, but nobody could help. Today, the only day that I had time to call, I spent another 2 hours trying to resolve the issue, but I was told that I was having this problem because of a security update and I was not alone. However, they could n't help me and someone would call me in a couple of business days. Meanwhile, my entire business banking and financial abilities are paralyzed. If they are having this problem, they need to have staff available to help! also, their website says that they are open until XXXX XXXX, but when I called at XXXX they were closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, I am a potential/likely victim of their lack of security regarding my personal information. I am now at a higher risk of identity theft and fraud. I should have been notified months ago regarding this breach. It has been handled poorly be the executive team at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The issue is that I am tired of playing around with these Credit Reporting Agencies. I have attached the letter that I mailed to them, which is certified, notifying them of my intent to sue and that is dated for XXXX/XXXX/2016. I am not playing with them anymore. This has been going on for the last 10 months. No one has verified any information, sent me anything, other than these pointless letters or stall tactics. I will be suing for the amount that the law allows per account on my credit report. The other agencies are following suit and removing the items that I have disputed because they know that they are not mine. You are allowing items on my report that you have n't properly verified and that is against the law. I will dismiss my lawsuit once the items are removed. I have attached the letter that Experian sent, saying they were not going to remove any items. They are trying to blame the furnisher instead of taking responsibility for not verifying the accuracy of the items through proper channels and actual verifiable, tangible proof. 

Lastly, they refuse to update my address. I have sent proof that I do not live there anymore and they keep sending the same non sense to my old address instead of my new address, which is XXXX XXXX XXXX XXXX, XXXX, GA 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 non-monetary relief
Consumer complaint received 02-11-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Bank of America closed a charitable scholarship fund due to lack of paperwork on the account and the check they provide was not good. I received an " unable to locate account '' from my new back. Bank of America owes our scholarship fund XXXX. I worked with them for 3 months and gave them everything they requested and each time they indicated all was fine until XXXX, when I received a check in the mail for the amount XXXX ( Balance in the account ), indicating they closed the account. At least 6 calls to their back office and 3 visits to the local branch and it produced nothing to keep the account open. The account was out of compliance because they lost the paperwork between changing systems over the years yet it is our ( consumer 's ) fault they are unable to maintain paperwork. Their back office is a complete mess and their people are poorly trained. They are engaging Robo Closing of our accounts due to their incompetence.

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 11/28/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My laws have accrued a large amount of interest. I asked about consolidating my loans and the loan servicer said consolidation would make me ineligible for PSLF. I have since found out that this is not necessarily true. I dont believe that XXXX XXXX XXXX is providing honest information about how to handle my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Circle Internet Financial (CA).
Issue: Other transaction problem

Complaint: I attempted to withdraw XXXX STR ( Stellar Lumens ) tokens onXX/XX/XXXX at XXXX - the transfer did not complete and resulted in an error ( as shown in the Withdrawals section of my account ), however the amount of XXXX STR has been deducted from my account balance. 

I logged a ticket in the support section of the XXXX website ( # XXXX ) on XX/XX/XXXX ( 67+ days ago ) and a reminder 4 days ago. I also sent @ XXXX tweets requesting resolution and refund of the missing tokens on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, however no response has been received. 

I request the CFPB to take appropriate steps to ensure XXXX XXXX is held accountable for such lapses and exemplary fines are levied to ensure such actions are not repeated.

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