milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Customer service / Customer relations

Complaint: I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: XX/XX/17 a dispute was filed to Trans Union and XXXX  for a federal tax lien in the amount of {$11000.00}

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 04/14/2017 about Credit card () with Alliance Data Card Services (GA).
Issue: Customer service / Customer relations

Complaint: I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/21/2017 about Debt collection (Credit card) with Direct Recovery Services, LLC (MT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I 'm XXXX XXXX. I 'm a Rush Card member. My pay day was Friday XXXX. Over {$850.00} was direct deposited to my Rush Card. It has yet to reflect on my account. The XXXX # was of no help. ATM machines w/MoneyPass did n't show my direct deposit. My rent is due on XXXX XXXX. I 've tried calling SEVERAL times and was hung up on. I finally spoke with a Rush Card agent, # XXXX XXXX yesterday, XXXX/XXXX/15 at XXXX. That phone call lasted XXXX minutes and XXXX seconds ... Most of it consisted of wait time. He tried to convince me it was an ERROR at my place of employment. I refused to believe and nor accepted that excuse. I 'm LIVID. He could not find my direct deposit transaction from XXXX/XXXX/15. I need my hard earned money. ThanksXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2018 about Debt collection (Mortgage debt) with Ditech Financial LLC (OH).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On XX/XX/XXXX I submitted my application for a loan modification to Ditech. I was told that within 30 days I would receive a response from Ditech with a decision by mail. I waited and waited. I called Ditech each week and spoke frequently to XXXX XXXX in the loss mitigation department. He assured me that my file was complete and the underwriters were still reviewing my application. I had waited 102 days to receive an answer from Ditech on my loan modification application. I grew increasingly frustrated and my local bank recommended that I file a complaint against Ditech. It wasnt until I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, that I heard from Ditech regarding my loan modification application decision. They sent me XXXX letters that were date marked on the letters XX/XX/XXXX but ironically not received by me via United States Postal Service until XX/XX/XXXX. In the letters ( both marked with the same date ) the first indicated that my file for loan modification was indeed complete and to expect a decision within 30 days. In the second letter, it indicated that I was not eligible for a loan modification. 

I strongly feel that my denial of a loan modification was the result of retaliation after I filed my complaint with the Consumer Financial Protection Bureau. Furthermore, my reason for requesting a loan modification was due to divorce between my husband and I. I have negotiated a settlement with him that will allow me to keep the home and resume making on-time mortgage payments in the previous amount owed each month. I am requesting that Ditech add the outstanding payments to the end of my loan or spread the amount overdue over the course of several months to allow me to become current again. Finally, the value of my home as established by Ditech ( AVM ) was found to be {$220000.00} when in fact, I have an appraisal for {$350000.00}. This creates nearly {$120000.00} in equity that can be used to help me re-establish my loan through Ditech rather than pursue foreclosure, short sale, or deed in lieu of foreclosure. 

It is my intention to keep my home and I am willing to do anything to make that happen. 

Respectfully submitted, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (I do not know) with Global Asset Management Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been repeatedly calling my sister, my place of employment, and myself. They have left messages and refuse to stop calling. I XXXX the information that they provided to my employer and found that other people are having the same issue. My employer got a call from a woman named, XXXX from " XXXX ''. This woman gave them a case or reference number for my " case '' - Ref # XXXX. I tried to call the number back and the voicemail stated that this company was called the GF Group. I have found no real information online about this company. All I have found is other people stating the same things were happening to them.

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 02/16/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Credit card) with Prime Business Service, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company, Prime Business Service, is reporting a duplicate account and debt. I have disputed with them several times and they do no respond. XXXX companies can not collect on the same debt at the same time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my address nor do I have any debt located at this address. 

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

Complaint: Today, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.

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 08-10-2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a call from XXXX XXXX of XXXX. They left a voicemail on my phone as well as my ex wife. 

" I have official documents being delivered to XXXX XXXX XXXX XXXX ... Sine your social security number has been attached to the documents under federal law we are unable to deliver at that address verification. You must contact the original firm at XXXX Ref XXXX '' I have not lived at that address since 2006. The blocked the number they called from and then called my ex wife and left the same message. They do not identify themselves as a debt collector. When I called they refused to give me any information about the debt or their address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Because of the Equifax security breach, I set an acct freeze with all credit reporting agencies in XXXX/XXXX/XXXX. I wanted to open an acct at XXXX so I lifted freeze on XXXX on Equifax only because of the fee to lift on both of the other agencies. On XXXX I was denied an acct with XXXX FICO and no negatives on any credit reports because XXXX was unable to view my Equifax credit report-all they could see was the title. I spoke 3 times to their customer service who insisted since there was a hard inquiry, they had access to the report so it was their fault. I tried it again on the XXXX with the same result. Unable to find anything online to submit a complaint to Equifax other than submit something in writing or call customer service whove already proved their incompetence and disbelief 3 times now. Ive sent a 2 page letter to the only other contact address I could find. So now I have two inquiries and 2 denials listed on my credit report and lower XXXX score due to XXXX incompetence. Now I cant trust their lift to work in the future or will have to pay a {$10.00} fee to all the others to ensure I can use the credit Ive been building and protecting for years. They control our financial lives and have NO concern over problems theyve caused. If Id have a choice ... I wouldnt allow them access to my information. They have very poor customer service-their front line will not forward calls to anyone that might have some compassion-I believe its their job responsibility to frustrate callers to get them off the phone. Very frustrating process and feel totally helpless with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED. 
Thank you. 
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 explanation
Consumer complaint received 04/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Fraud or scam

Complaint: i got a call from a random number talking about my brother hit someone by the way this is false whatever so yeah they are on the phone yelling at me telling me that i cant get the police involve that i need to find money and they will let my brother go so i did i found money and they sent me to star market so i can do a money gram so that when they get the money they will let my brother go so i did and come to find out it was a scan none of this was true.i filed a police report but i was told to bring it to the fbi so here i am

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 10-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NM).
Issue: Closing on a mortgage

Complaint: i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply

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 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion, XXXX, and XXXX are reporting a judgement on my credit reports from the XXXX district court. This judgement is inaccurate and should be deleted from my credit reports. Please site me the law that requires credit reporting agencies to add this to my report. I did not request to have it added nor did the bank. There is no legitimate reason for this judgement to appear on my credit reports. I feel like I 'm being treated unfairly and abused by these credit agencies because they are severely damaging my chances of finding employment. I have been denied credit, bank accounts, housing, and employment because of this superfluous account on my credit reports

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 10/25/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (HI).
Issue: Managing the loan or lease

Complaint: Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call. 

Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help. 

From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Billing disputes

Complaint: XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation