milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Credit reporting () with ID Analytics, Inc. (NH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: XXXX  transferred my Reverse Mortgage in  XXXX  to Champion Mortgage Company. They terrorizing me since end of last year by harassing and threatening as well as unlawfully actions. They wanted proof of insurance for my condo. The policy from th e HOA and my per sonal insurance were submitted numerous times, but they still sending me threatening letters, denying they have received the policy copy. Even though they sent me on  XXXX / XXXX / XXXX  a confirmation letter that they have cancelled the force placed insurance in my name because there was no lapse in coverage, I still get these letters with threats up to delinquency and foreclosure. In the meantime the HOA insurance agency faxed the new insurance to  XXXX , which expires on  XXXX   XXXX , they ignore this and sent letters. Because of the unlawfully forced place insurance they deducted my monthly payments since  XXXX  for {$20.00} I wish they stop harassing me and refund me the {$20.00} per month since  XXXX  and continue to pay the {$20.00} in the future with the original payment plan of {$210.00}. Since they do not make any profit no longer and I had to sign  ( the  first time ever an occupancy form ) I believe they on purpose unjustified threatening and harassing me to make me abandon my home  or to drive m e to death so they do not have to pay me no more the monthly payments. Trying to talk to them at  XXXX  is hopeless ; they act like they are robots, reading a giving text non-stop.   This nightmare must come to an end!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (PA).
Issue: Managing the loan or lease

Complaint: I paid for XXXX using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost.

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 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Certegy is reporting to my bank that they should deny my deposited checks. No information on Certegy 's report shows any change from when they recommended acceptance of my deposited checks to my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Payday loan () with DLC, LLC (NV).
Issue: Can't contact lender

Complaint: I received a call from Dollar Loan Center about a payment. The Caller ID stated " XXXX XXXX XXXX ''. The call came from XXXX. I do n't have an issue with receiving the call, but it seems very misleading and deceptive to use the title of a XXXX for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN,  and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. Equifax, neither XXXX have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and Equifax, and XXXX have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for EQUIFAX and XXXX to Permanently Delete ALL fraudulent items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MS).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had merchant services with Bank of America for a credit card terminal for my business. 2 years ago, we decided to cancel this service and go with another company.  BofA  advised that I need to return my terminal equipment and my services will be cancelled. I returned the equipment as they advised.  <P/> Just recently, I was going through my bank account statement noticed that every month  BofA withdrew two separa te payments of {$19.00} and {$20.00} from my account. I called them to ask what this is, and they said that this is for the merchant service terminal that I currently have, even though I have n't had this service for 2 years. I told them that I returned all my equipment, and that it should automatically be cancelled once they received it. They advised that after I returned the equipment, I was supposed to call them and personally tell them to cancel the service, even though they never told me this. How does this make sense? If I do n't have your equipment nor your service, how are you still charging me for leasing your equipment? This is the same thing as leasing a vehicle, returning it when the lease is up, but they still charge me every month for the vehicle because I did n't call them to cancel it. This is FRAUD.  <P/> I spoke to many different people from  BofA, includin g supervisors and managers. A lot of them were silent and could n't give me an answer because I 'm sure they knew it was illogical. They just kept repeating that I should have called them and cancelled. Some even said that  XXXX   XXXX  ( the terminal company that BofA uses  )  is the one who 's been charging me, and not BofA. I called  XXXX   XXXX  and they did indeed see the charges, but confirmed that it was BofA sending the charges. So we conference c alled BofA  with  XXXX   XXXX  and they exp  lained to BofA that this was Bank of America sending the charges, and BofA agreed.
<P/>  BofA finally can celled ( last month in  XXXX  ) th e services that I never had for 2 years, but I need them to refund me all of the money that they 've been withdrawing from my account in the past 2 years. This is fraud. They 've literally been stealing money from my bank account for services I never had. This is similar to the  XXXX   XXXX  case, and will not be tolerated.  <P/> I will take this to court if it 's not resolved here. This is unacceptable.

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 07/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was  de 60-120 la te payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.

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 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm writing this letter in regards to the account listed below : COLLECTION BUREAU OF A XXXX This account was already deleted from my credit report. Experian reinserted in my credit report without notifying of this action and giving me 5 days notice. I never received any notification from Experian. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. To avoid me hiring an attorney to enforce my rights, I 'm asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted. 

If I do n't hear from Experian within that time frame, I will file complaints with the Attorney General 's Office and the Consumer Financial Protection Bureau. I will also hire an attorney to review this matter for me.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Whitestone Financial Holdings LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is Whitestone Financial is located Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to Whitestone as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the toyota dealership in XXXX, NC, and thus paying the car off in full. Whitestone Financial had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action Whitestone Financial took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've received XXXX emails from Bank of America stating they have n't received my mortgage payment and for me to contact them as soon as possible. When I received the XXXX email, I called Bank of America and spoke with a rude person by the name of XXXX ( man ). XXXX verified that Bank of America DID receive my mortgage payment. I questioned XXXX about why Bank of America was harassing me with these emails on something that was n't even true!!! He refused to answer and became nastier. I terminated the call.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both TransUnion and   XXXX   for fraud but are still showing on  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. 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 11/22/2015 about Student loan (Non-federal student loan) with Allied Account Services, Inc. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.

Company response to consumer: Closed with explanation