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

Complaint: It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.

2 ) The address provided to and reported by XXXX   is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX  and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

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 07-11-2016 about Prepaid card (ID prepaid card) with Blackhawk Network Holdings Inc. (CO).
Issue: Fraud or scam

Complaint: Hi, I got a call from someone named as XXXX calling from XXXX Loyalty Department and said there is a promotion going on n based on that your bill will be reduced to 50 % monthly but you need to make the advance payment for 1 year which would be {$420.00} ( {$35.00} per month x 12 months ) and you need to buy a ReloadIT prepaid card using cash. It will be a scratch card and once you buy scratch and give me the number and I will load money into your account. Few of my friends have already did so, I did the same and money started reflecting in my XXXX account as + {$420.00}. But when my new bill got generated it was for same {$70.00} with {$20.00} return payment charges. When I try to investigate n chat with XXXX they said we have refunded the payment to your bank account but I said I never provided any bank account details so, provide me the details to which bank you have refunded they said they did n't have that detail. When I called ReloadIT company n asked to provide me my prepaid card transaction history they said your money did n't went to comcast, it went somewhere else but we can not provide these details to you, we can only give it to concerned authority person like police officer or a lawyer. So, now I do n't have any track to my money where its gone. I am trying to reach to that number but call to not going through. Its looking like a somone internally involved from XXXX who did this scam that he has access to my account to do the transaction. I do have a mail from him but I ca n't reply to that email ID as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. 

I sent a message asking to revert the interest charge of {$39.00} and to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am writing to file a complaint against Oracle Financial Group in New York a debt collection agency. I called Oracle Financial Group to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of Oracle Financial Group who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of Oracle Financial Group that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to Oracle Financial Group. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of Oracle Financial Group said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of Oracle Financial Group said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of Oracle Financial Group began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of Oracle Financial Group said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the Operator of Oracle Financial Group said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of Oracle Financial Group said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of Oracle Financial Group upset me real bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease

Complaint: The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with The Receivable Management Services Corporation (NV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Constant threatening phone calls from XXXX concerning a supposed debt of which I have no knowledge

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 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Auto debt) with TOTAL FINANCE AC LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased a used vehicle from XXXX XXXX in XXXX, IL. around XX/XX/XXXX. A week after the purchase I came to realized that it is a Used Lemon vehicle. The vehicle has been serviced by their auto mechanics 4-5 times in regards to the same issue ( Engine and Cooling system ) and had to pay {$350.00} deductible each time, it has been address to the company 's customer service along with the Finance Company ( TOTAL FINANCE, LLC. ) and the person and his manager that sold me the vehicle. I have already invested a little more than {$4500.00} in repairs for the same issue. It was sold to me at an interest rate of 29 %. Well getting to the issue, I have been trying to get in contact with the finance company ( as of XX/XX/XXXX ), to do a voluntary surrender of the vehicle, I already explained that I can no longer afford the vehicle payments and also can not afford to be making more repairs. They have been refusing to talk to me, after leaving voicemail messages to contact me, but have been calling my wife 's cell phone non-stop and also sending her text messages, and even threatening her that they are going to get a hold of her social security number to garnish her wages. She ( My wife ) was also told that they are not even interested in doing an voluntary surrender. As of today, she has received 5 phone calls from the company and so far 1 text message. The XX/XX/XXXX information clearly states that I 'm currently the 7th owner of the vehicle, and the rating is XXXX, the vehicle is only worth less than a {$1000.00} for trade in or to sell. My payment was due on XX/XX/XXXX, I 'm only 10 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose prepaid card) with CHECK INTO CASH INC. (WI).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection company ERC is not authorized to collect in the state of Tn. I have already contacted the company concerning this matter. I have not received any contracts from this company proving evidence that the debt is mine as are my rights. I ask the ERC provide a Full validation of this debt along with proof that they are licensed/bonded in the state of tn to collect. If proof can not be attained, I ask that ERC cease and detest any further attempts and delete the negative remark from all  XXXX  credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Private student loan debt) with SECURITY CREDIT SYSTEMS INC (NM).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can do.

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 09/18/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.

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