milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was part of the large Equifax security breach of 2017. I quickly placed freezes on my credit with all 3 credit bureaus so I should hopefully be largely unaffected in terms of identity theft. Additionally, I placed freezes on my information with XXXX and XXXX. 

However, my information was shared with a third party without my consent. Additionally, I had to spend money out of pocket in order to secure my credit and to prevent unauthorized use of my personal information. I expect better from one of the three credit bureaus. 

In addition to the annoyance factor of this information leak, I now have to deal with the knowledge that unauthorized third parties now have access to my name, address, social security number, possibly credit card numbers, and more. This is outrageous and Equifax should have better secured this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with Focus Holding Company (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
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 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX 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 10-06-2016 about Debt collection (Non-federal student loan) with Keith D. Weiner & Associates Co., L.P.A. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX of my loans was left out of my previous loan consolidations. This was an error with the consolidation department as it was handled over the phone. I was unaware of an collections actions on the remaining loan as I moved until I received notice from my employer regarding pending garnishment. 

I immediately called the collection company, the school where the loan was issued, and the loan consolidation agency to get this situation corrected. I 've jumped through every hoop requested and been very cooperative. The collection agency requested me to let them know once I received a letter from the consolidation department. I did and called Monday and again today, the rep " XXXX '' asked that I forward the letter to her via fax. I explained I was home and could not fax, however, I could take a quick picture and email or I could scan in and send via email which would be essentially the same as faxing it. She started to get abusive at this point, saying she gave me the option. I said you are being a bit difficult, she then flipped her lid and started over talking me and threatening to hang up and over talking everything I attempted to say. I was extremely nice and asked 3 or 4 times repeatedly for her no to hang up and just listen to what I had to say. After her tyrant, I stated I apologize if she thought I was being rude or difficult and unhelpful and that was not my intent. I said, however whith me trying to send you over these documents that you are being a bit difficult because I have scanned and emailed info to her before and quite frankly being nasty in over-talking me and speaking to me in this manner. She said well ok this call is being disconnected and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Transaction issue

Complaint: First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Other

Complaint: A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.

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 02/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.

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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ND).
Issue: Application, originator, mortgage broker

Complaint: I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?

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 07-08-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (GA).
Issue: Managing the loan or lease

Complaint: i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit determination

Complaint: Account paid as agreed. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with NORTHLAND GROUP INC (CA).
Issue: Billing disputes

Complaint: Due to XXXX XXXX action. This Debt Collector Company Northland Group started to make a collection activity on account I have with XXXX XXXX Credit Card as in the letter shows I 'm disputing the letter sent on XXXX XXXX because is not the actual balance I owe to XXXX XXXX credit card. Further more I 'm requesting thru this Inquired to provided the transactions took place on this account and how they get to {$470.00}. 
Please explain me the following : * What the money you say I owe is for. 
*Explain and show me how you calculated what you say I owe. 
*Provide me with copies of any papers that show I agreed to pay what you say I owe. 
*Provide a verification of validity of the debt ( per statue of limitations ) or provide me a copy of any judgment ( If applicable ). 
*Provide with the name address and reference number of any other collection company or collector that this matter has been assigned to. 
Be advised that im fully aware of my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
I would like the CFPB request this collector agency the items above I request to validate the debt.

Company response to consumer: Closed with non-monetary relief