milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.

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 04/18/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX is listed as a former employer. He was my XXXX husband that I divorced 14 years ago. To see his name on my report, I am not surprised that he would be involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is 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 07/14/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (VA).
Issue: Managing the loan or lease

Complaint: We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: This is my FINAL attempt at resolving a serious and financially damaging issues my credit information and scores reported on my FICO 8 and others, with Experian. 
I have tried repeatedly, both with Experian directly over the phone and through faxes and emails, and have had my concerns VALIDATED numerous times and the promise to fix it with Experian employee 's but NOTHING has been done to assist me. 
I have complained to CFPB as well and that has gone unaddressed except for a lame excuse received by Experian and my next attempt at resolving my situation will be with an attorney and a lawsuit. 
I have had to put my house buying plans on indefinite hold until this gets resolved. Any losses I suffer as a result of this gross negligence on Experians part, will be addressed. 
Basically, my credit scores have tanked due to the failure of Experian to show and report FACTUAL information and all that is contained on my credit report. Credit utilization accounts for 30 % of someone 's score and mine is reported as an astounding 93 % despite having, on just the XXXX XXXX credit card alone, a credit line of {$7500.00} that only has a {$500.00} balance on it. That account is purposely being left out of the equation. Also, they are the ONLY credit bureau that is reporting 2 or 3 late payments ( depends on which time and report ) and the ONLY credit bureau still reporting 12 inquiries due to my not authorizing them except for XXXX XXXX and XXXX. 
Experian is in clear violation of the FCRA and I intend to pursue my rights legally unless these issues are addressed IMMEDIATELY since this has been an issue for MONTHS and even after the promise for resolution by Experian I am being ignored.

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

Complaint: According to Equifax 's security report on www.equifaxsecurity2017.com/potential-impact/, I am likely part of their privacy breach. To be as safe as possible, my partner and I assume that our private identifying information is no longer private. Equifax 's exact words were : 'based on the information provided, we believe that your personal information may have been impacted by this incident. ' I submitted my information at XXXXXXXX XXXX PST XXXX XXXX, 2017. I found it disgusting that they attempted to enroll me in their 'XXXX XXXX ' account service, which includes in their terms of service the condition that I waive any right to participate in a class-action lawsuit against them. I did not accept these terms. 

After receiving this confirmation, I got my latest credit report from XXXX and placed a free 90-day hold on my credit, to avoid new lines of credit being taken out in my name. However, my information will now be available to malicious parties for much longer than 90 days. Once personal information is stolen it can never be made private again. Permanent damage has been done. 

Equifax has irresponsibly mishandled my personal information, and the personal information of millions of other Americans. Their behavior thus far indicates to me that they are more concerned with their survival as a corporation than the very real damage that will be done to people 's lives as a result of their cavalier actions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Had XXXX XXXX XXXX for approximately 15 years and sold my residence. When I called and cancelled my service the representative asked where I was moving to that they would like for me to continue to be their customer since I had been with them for such a long period of time. I informed them that where I was moving that there was no service for XXXX XXXX in that area, they went as far as having an engineer do testing to see if there was any possible way to get me XXXX XXXX service. This was approximately XXXX of 2014, the engineer called me back and stated that I was correct in stating that XXXX XXXX did not service this area and advised me that when I go to turn my equipment in make sure I get a receipt as XXXX XXXX is notorious for not checking in equipment and turning it in to collections. On or about XXXX 2014 I delivered my equipment back to XXXX XXXX and low and behold they said that their system was down and was unable to check the equipment in so I told them to give me a receipt for my equipment, which they did. Approximately 6 months later I get a bill from XXXX XXXX for the equipment, so I called and sent in the receipt showing them when I turned it in they said no problem we will get this taken care of. 6 months later got another bill for the same thing spoke to XXXX different people and they stated we will take care of this. So I ran my credit a couple of months ago and now there is a collection item on my credit report that someone from XXXX was suppose to take care, called and said no problem we will take care of this. So I have waited a couple of months and re ran it and it is still on my credit. It is very sad that the cost of telecommunications is outrageous and you pay it religiously every month and when service is stopped for whatever reason you just become a number and if your credit takes a hit because of their poor customer service so be it as they seem to owe you a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with MRS BPO, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: around XX/XX/XXXX  me and my wife had let a Friend stay with us as they were are on hard times we did not know that this person was going on are computer ordering things using   XXXX   this was done without are consent or permission and we had no knowledge until it was too late. upon discovering this i notified my bank which was  XXXX  and reported the issue and fraud a credit was given to us for the charges and fees at this time.  XXXX  on the other hand was not so friendly under the circumstances. hours spent trying to get it corrected to no avail. on XX/XX/XXXX  i received a collection notice from a company called MRS and was told i owed   XXXX    to    XXXX    which i again tried to correct which i failed to do so. neither the collectgion agency or   XXXX   want to hear anything but when will i pay them for things i did not purchase. i contacted MRS on XX/XX/XXXX   XX/XX/XXXX and XX/XX/XXXX . ive received no help from them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The first point was A law firm called the " filing firm '' called to attempt to collect a debt. The person that called was a female first using my voicemail, claiming to be someone called ramerez. The message also concludes that this call is for XXXX XXXX XXXX or his attorney, stating that we have been named in a lawsuit, the first name is also inaudible. The person answering the phone claims to be a person that is allowed to handle the case, because there attorneys are in a meeting at the time you call. At approx XXXX and then goes into a large amount of money for the debt, claiming to owe {$1000.00} and then waits to see what you have to say. 

The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo neglected the security of my account by letting funds be removed beyond the credit limit without my consent. 

While looking for employment I was conned by a company, XXXX XXXX to make purchases for them. They put funds from a XXXX XXXX Account whose account and routing number are XXXX & XXXX into my Wells Fargo Prime Equity Account so I could make purchases for them from my account. Wells Fargo had a rule to wait 7 business days for them to clear before making the purchase which I was told to make sure the XXXX XXXX account that was depositing the money was reliable. After the 7 business days had passed I was assured that the funds deposited were good and I made purchases on that account using the Credit Card connected to the account of over {$10000.00}. Once the purchases were made and shipped, Wells Fargo allowed without my consent the funds of {$10000.00} to be taken away and put in back in the XXXX XXXX account. 

I had tried to contact the Employer, XXXX XXXX and Wells Fargo Fraud department but to no avail I was held responsible for the funds. Now Wells Fargo is not only claiming no responsibly for letting the funds go back to the XXXX XXXX Bank but they are Charging me for an overdrawn account, interest on the account and are requesting me to forward the {$10000.00} which I do n't have or face foreclosure. 

Wells Fargo, the Federal Trades Commission and the XXXX have information on the employer and the XXXX XXXX Account, however either have made a move on the going after the employer or the bank. I do not have the authority to do so. I only ask that Wells Fargo the FTC and the XXXX work to get the stolen fund of {$10000.00} back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Please help! I have been trying to dispute hard inquiries on my credit report that I did not authorize and also XXXX collection accounts that I asked for verification. Below are the dates and number of disputes. I have also tried to call and get help over the phone for the agent to tell me no to every question I had. Also I requested to take a survey however I was hung up on and not connected to the survey. These unauthorized inquires are causing me issues with moving forward in like. 

Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Back in XXXX I consolidated my student loans with XXXX. Come XXXX 2015 all the papers were in order and seemed to have been done, but then everything went wrong. The other loan services Fedloan rejected payment to XXXX. How can they reject Payment??? Now it 's all in limbo and Fedloan will not help me resolves this situation. I have come to realize that Fedloan is like loan sharks. I talked to some one with department of education and contacted XXXX. XXXX told me that Fedloan informed them that they no longer services the loan it was with department of education collections. Keep in mind it would n't have been with collections when I consolidated the loans. But is now the lady from the department of education that I spoke with told me that Fedloan did n't have a choice but to consolidate the loans because the consolidation was complete. But yet this still has n't been resolved and XXXX told me that I needed to fill in on the a form for the new service agent of the loan. Yet the only information I have is for Fedloan. And they will not give me any kind of information other than telling me I need to pay them. Mean time my credit is being screwed and I refuse to pay Fedloan a dime! Especially because this should have all been taken care of in XXXX of 2015 and I should just be paying to XXXX. Fedloan locked me out of my account I ca n't view it online, ever since I sent an email complaining about he situation back in XXXX. What am I suppose to do? Why is this legal for Fedloan to XXXX me over? Do I need to find a lawyer and sue? I did find a lawyer for student loans. But I feel that ridiculous due to the fact that I should be paying XXXX and it should all be consolidated with XXXX. The people that I have spoke with at XXXX have been very nice when speaking with them. But at the same time not much help in resolving this matter. Fedloan on the other hand is rude and shady and absolutely no help at all!!!!! I do not want to do business with Fedloan at all that is why I chose XXXX to be the service provider of the loan. But apparently that was n't a choice. Because Fedloan is keeping it held up!! Like ransom money. I still receive bills fro Fedloan so I do n't see how they can say they no longer service the loan to XXXX. What do I do!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Prosper Marketplace, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an installment loan, that allows prepayments, with installments of $ XXXX. 

I had paid significant amount in advance. Specifically {$4500.00} on XXXX/XXXX/XXXX. I continued to pay in advance. By my calculations, which I have sent in detail to XXXX, I have currently paid ahead until XXXX XXXX and partway through XXXX. 

XXXX has reported incorrect information on my credit report at both XXXX and XXXX. They have referred me to " XXXX XXXX '' a collections agency. I demanded they cease and desist all calls relating to this amount as I have already paid. I still received further calls. 

I have contacted them numerous times and asked where in the contract allows them to do this. All they say is that their billing system ca n't handle payments more than 30 days in the future. This is not mentioned whatsoever in our contract. 

XXXX has also used insulting language which implies I was somehow aware of their 30 day system, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Balance transfer

Complaint: I was expecting some resolution from HSBC moths ago about a money Transfer done in XXXX 2016. HSBC said that it was going to be result withing 8 weeks an still no answer, when I call costumer services nobody know anything about my case and I have left more than 10 voice MSG to the person in charge according to the letter attached. I dont understand why a bank will treat costumers this way

Company response to consumer: Closed with explanation