milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 01/19/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: I was supposed to the rent paid by Money Gram in the month of XXXX 2015. The rent was late, and I contacted the renter, and she informed that she sent in by XXXX. She contacted Money Gram and they informed that the check was cashed by an unknown person that stole the check that was in the mail. She contacted the local police department. The check was CLEARLY adulterated and Money Gram cashed the check. Now, Money Gram refuse to refund the funds stolen, and is charging {$35.00} per page of the police report to open the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Check cashing service) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Problem with customer service

Complaint: on XX/XX/XXXX I got an offer in the mail by my crated card company. A blank cheek and no interest for 18 months on XX/XX/XXXX I cashed {$3000.00} thin in XX/XX/XXXX I cashed out a another {$2500.00} Now I cant pay and I fill I was taken advantage of for.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: The bank erroneously processed credit/ debit in my bank account from a merchant. They are trying to convince me that the amount cancels itself out. It looks ( according to the online ledger ) that I was refunded and then they were given the money back? The amount is for XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Student loan (Private student loan) with AES/PHEAA (MS).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I  contacted American Education Services on Thursday,  XX/XX/XXXX  to speak with someone about filing a forbearance or deferment on my student loan. I was informed that they did n't have any options for me ( could n't lower payments, no deferments left, and no more forbearance time left ). I was upset with the fact that this company does nothing to help people try to do right by their student loans. They stated they did n't participate in the Public Service Forgiveness Program either. I am diligently trying to pay on all my loans, but these predators do n't bother trying to help you when you need a quick break from paying student loans because of other pressing life expenses. They should be sued and shut down for their ungodly practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (TN).
Issue: Managing the loan or lease

Complaint: A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with AllianceOne Recievables Management (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I was notified by XXXX and XXXX that a debt was placed on my account by a collection company named Allianceone Receivables from XXXX, PA. According to the debt placed on my account, the original creditor was " XXXX XXXX of XXXX XXXX. '' I have never had contact with either company nor have I received mail, email, or a phone call from either company at any time for any reason. An online search found no results for the company " XXXX XXXX XXXX XXXX XXXX. '' It appears that Allianceone Receivables has created a fraudulent debt and illegally placed a debt on my credit report without first contacting me. I called Allianceone Receivables on XXXX XXXX, 2016 to discuss this issue. The automated system required that I input my social security number before I could talk to a person. Given the suspicious nature of this situation, I believe that it would be unsafe to enter my SSN into this automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cash advance

Complaint: As I was going through my credit card statement one day back in XXXX XXXX, I noticed an extra interest charge that read " cash advance '' In XXXX again, I was checking other statements starting from XXXX XXXX through now and noticed a {$510.00} cash advanced charge plus all the interest they have been charging me. I was falling behind on my payments and that is why all the interest and amounts finally caught my attention. Not knowing why the charges were there, I called Capital One to find out and the person that I talked to said that the charges are for a supposed {$510.00} cash advanced withdrawal, which I never made. He said it was related to the " cash advanced '' for XXXX XXXX. Which I never made. I went to one of the branches and I was told that I had to disputed directly with the credit card, which I already did. If you could please help me out with this situation.Help me clarify this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with Synovus Bank (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. 
I feel they are doing this to continue to cause me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 written Exp erian SEVERAL times aski ng them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
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: CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

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 08/25/2017 about Money transfer, virtual currency, or money service (Money order) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Fraud or scam

Complaint: On XXXX15 during the blizzard in Massachusetts I had an insurance loss at my property located at XXXX XXXX XXXX XXXX Mass XXXX. XXXX XXXX  issued me two check for the loss, totaling {$26000.00}. I then was instructed by XXXX XXXX XXXX XXXX to sign and submit the checks to them, the Mortgage Company would then set up a Draw account for payments to be dispersed in the amounts of {$8900.00} to the contractor in three increments, when certain percentages of repairs where done. The first check was paid to its rightful recipient, which was XXXX XXXX ( contractor ) XXXX XXXX  The second and third checks were stolen and deposited into XXXX XXXX account with Citizens Bank XXXX, Mass. XXXX XXXX XXXX and XXXX XXXX XXXX were occupants of the mentioned property. By his own admission XXXX XXXX gave the checks to XXXX XXXX to deposit. I have also filed a complaint against XXXX XXXX regarding this incident and am currently in conversations with them. Citizens Bank, should have never cashed or either deposited or accepted this check from XXXX or XXXX XXXX whereas they were not payees on the Insurance check. Citizens Bank will not communicate with me, whereas they state I 'm not an active account holder. The Banks have regulations whereas third party checks with incorrect endorsements should n't be cashed. There were three names on the Check XXXX XXXX XXXX XXXX and XXXX XXXX. On one of the Check XXXX XXXX and XXXX XXXX never signed, however the checks were still excepted by a Citizens employee and negotiated. The contractor discontinued the repairs due to the funds not being paid to him. My basement still to date is n't complete and Citizens should be held responsible for returning the funds. Please find enclosed a copy of the checks that were signed by XXXX XXXX and deposited by either her or XXXX XXXX XXXX her son.
Also find enclosed a copy of the contract proposal from the contractor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Consumer Loan (Installment loan) with First Data Corporation (PA).
Issue: Taking out the loan or lease

Complaint: I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX   & E xperian are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX / 17  regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?

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 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Student loan (Private student loan) with AES/PHEAA ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.

Company response to consumer: Closed with explanation