milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They call repeated using different phone numbers and hang up. I am up to dated on all bills. When I call back I have told them numerous times to stop calling but they wo n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not keep its system secure and my personal credit information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The company will not provide a " Satisfaction of Mortgage " even though the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Bank of America. A hold was place on the account. After a review, Bank of America denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Bank of America 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Bank of America also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.

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 10-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Risecredit, LLC (MO).
Issue: Can't stop withdrawals from your bank account

Complaint: Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: failure to stop foreclosure proceedings even after mandated to - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. 
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: individual keeps calling my work number telling my co-worker that a warrant for my arrest has been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2015 I reported to the credit bureaus ( Equifax and XXXX ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX XXXX XXXX XXXX, XXXX that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had XXXX inquiries ( XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (VA).
Issue: Deposits and withdrawals

Complaint: Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.

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 05/24/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Sears/Citi-Bank Master Card : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the clo sed Citi-Bank Master Card wh ich they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX  r  XXXX  and had  XXXX  ; so I was out of work for at l east two ( 2 ) m onths ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at l east three time s to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ; Sears is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles al so. Citi-Bank is who the Master Card was a ffiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with Sears/Citi-Bank will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: My husband and I disputed many accounts and inquiries on XXXX, XXXX and Transunion in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

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 11/13/2015 about Credit reporting () with One Source Technology (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Credit card) with Rushmore Service Center, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Unfortunately, I had to get a student loan through Sallie Mae to help with the XXXX of school. I graduated in XXXX 2016 and have yet to get employment even though I am actively looking daily. My 6 month deferment was up in XXXX, but did not receive billing until XXXX ; thus putting the account already a month behind. Payment was made in XXXX and a payment was made prior this month. The last 3 days, they have called multiple times a day to me and my mom who cosigned leaving messages. It is near to impossible to get them on the phone. Last month I spoke to them and explained I do not have a job yet and I do not have the money to make the payments right now and asked for a deferment or forbearance. I was told the only thing they could offer was a 16 day deferment. I knew this was incorrect, but did not go against them at that time and a payment was made. Well even though a payment was made last week, they are calling my mom and me multiple times a day even though I have explained the situation. They have offered no assistance even though they state if you have difficulties making payments they will be glad to help you. This organization is the worst and causing me even more XXXX on top of not having a job already. They do not care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation