milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Having problems trying to freeze my account information after the security breach at Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with EQUIFAX, INC. (TX).
Issue: Delinquent account

Complaint: This charge off has been on my credit report for over 7 years. It has not been reported accurately and by law it should already have been removed from my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (MA).
Issue: Settlement process and costs

Complaint: We have been working through a short sale since late XXXX and just found out TODAY that the seller has XXXX loans ( the seller 's realtor has been horrible communicating with us ). The seller has short sale approval and we already went through negotiation with the bank. We were told we would close on or before XXXX and sold our house with a closing date right after that. We are now 3 weeks from when we are supposed to close and just heard that XXXX XXXX XXXX approved the short sale, but now we are still waiting on Residential Credit Solutions. We need the approval letters ( now 10 weeks later ) to finalize our mortgage and to ensure my family - with a XXXX and XXXX year old - are not homeless leading into the winter months of Massachusetts. What can I do to escalate this at Residential Credit Solutions so we know where we stand and next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Millco Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech asumed my load that was set up for weekly automatic withdrawalso from day XXXX of my loan. Last week I got a call from XXXX of their debt collectors. He advised me I was behind in payments. After I explained I have automatic withdrawal set up and plenty of money in my account he looked and said they accidentally cancelled my auto pay infomation. He said I would have to go online to set it back up that they could n't do it on the phone. When I went online it only offered monthly payments but noted I could call and setup bi-weekly payments. I called and was informed they had eliminated weekly payments. I feel cheated because they are forcing a change in my payment schedule that I do n't agree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.

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 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of this account and it does not belong to me. This is a XXXX report on 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 explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My account information was compromised by the Equifax hack that occurred in XXXX XXXX, and was announced in the beginning of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Dynamic Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To CFPB I woke up to a surprise today from a company called Dynamic Recovery Solutions,  apparently this is a company hired by XXXX XXXX XXXX XXXX , XXXX to attempt to collect a fraudulent debt that I do not owe. It appears to be some one 's old XXXX account that they want to throw off on my. 
Just for the record, I have been an XXXX XXXX XXXX customer for the past 30 years when XXXX XXXX XXXX was just a long distance company, I have been with them ever since. 
I hereby request CFPB to look into this non since fraud and fine Dynamic with a fine totaling {$75000.00} XXXX dollars for their fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MD).
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: I XXXX XXXX believes that American Honda Finance has no choice but to delete the account currently posted on my XXXX Report, and that XXXX missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but American Honda Finance cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by XXXX as the statement posted by American Honda Finance shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XX/XX/XXXX, I spoke with a representative at Navient and explained to them that I needed to put my payments on hold because my husband had been XXXX and therefore my income was the only meand of finances we had for a family of XXXX. I was told by Navient that my payments would be deferred for 1 year. However, in XX/XX/XXXX, I received an email stating my payment was due on XX/XX/XXXX. I called and spoke with another rep to find out why because I was previously told that I did n't have to make a payment for 12 months. I was then told that I was only given a 3 month forebarence and I could apply for repayment options to lower my payments based on my income. This made no sense being that my payments were already based on my income. I needed to defer making payments because I am now down to one household income with my husband not being able to return to work and I am now the only means of income for my family. I tried applying for another forbarence online, but Navient denied me because I work full time. Before I can be approved for deferment, I have to submit my XX/XX/XXXX taxes, check stub, and a letter from my employer. I am highly upset at the misinformation I received and the lack of assistance from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had another inquiry on my credit report that I did not do. I have contacted both companies and they are aware that someone has stole my social security number. I have put a fraud alert on my credit. The two companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I would like this investigated and taken care of. Someone tried to get a XXXX dollar loan in my name from these two companies. If I need to do something more please let me know. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 10/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My original home equity loan was with GMAC. Everything with them was perfect. GMAC sold the loan to Ocwen a few years ago. Ocwen handled the loan correctly at first, but for the past three months they have sent me monthly emails telling me that they have received my loan payment. I did n't request this, and I do n't need this, since I can tell from XXXX Ocwen 's website and from my checking account bank that the payment has been made. I would n't mind about the extra confirmation, except that Ocwen puts my full name, property address, and complete loan number in the unsecured email. I have called and emailed Ocwen several times, but the people I talk to do n't understand XXXX well enough to fix the problem. When they send me an email to discuss the problem, they put my full account number in it as well! The latest CSR told me to remove my email address from my profile, which is n't possible to do. 
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (MS).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XX/XX/XXXX  - M y Milita ry   XXXX   direct  deposited into  my Rush Card account. On  XX/XX/XXXX  I logg ed on to check my balance and noticed transactions ( some pending, some completed ) that I did not recognize. I attempted to make contact with the company and resolve the issue. I could not determine the complete phone number of the merchant, so I contacted Rush card. I was unable to talk to a representative, just a recording that asked that I request a form be mailed out to me to report the fraud. I requested the form and then searched the internet and found a customer service email to report the unauthorized transactions ( emailed included ). The response was to call the  XXXX  number again. until I searched the internet and found an alternate customer service number. O n  XX/XX/XXXX , I  finally made contact with a rep, when I accessed my account to review the amount for the charge and the merchant, I discovered  XXXX  additional purchases totaling {$130.00}. The rep was unable to tell me how to resolve the issue, how to block the fraudulent charges or how to recover the money taken. I transferred my funds to another card and blocked access to my card. I contacted Rush card again on   XX/XX/XXXX   and was told by a rep that there have been  XXXX  additional charges that have been attempted to the card. Had I not taken personal steps to save my remaining funds, I would n't have any money left. It has been over 30 days and I have not received any communication or attempts to recoup the funds or replace my money taken by fraudulent means that I made the company aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this 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 non-monetary relief
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received  XXXX  inquiries on my credit report from a Target/td bank that I never authorized dates  XXXX / XXXX / 2017  and  XXXX / XXXX /   2017  I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Unsolicited issuance of credit card

Complaint: I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it 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 monetary relief
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX XXXX XXXX Tradeline is inaccurate. 

The Account Type - is not a Credit Card, it is/was Flex Spending The Terms - is N? A and should be Monthly, making this account incomplete The Payment History is wholly inaccurate - it has a 30 day stamp XX/XX/2016, when today is XX/XX/XXXX - and they were PAID in XX/XX/XXXX, making this account inaccurate The PAYMENT HISTORY is missing for XX/XX/XXXX, making this account incomplete and in direct contradiction to a 30 day Late Stamp The BALANCE History is missing for XX/XX/XXXX, making this account incomplete and in direct and in direct contradiction to a 30 day Late Stamp The Closed Date/Date of Status - is inaccurate. 

Please verify the Account details - and update the account, or delete the tradeline.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

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