milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: After getting information today ( XXXX/XXXX/2017 ) that my SSN may have been compromised on XXXX/XXXX/17, I tried to contact the XXXX credit reporting agencies to request an initial fraud alert. I was unable to make a request either online or via the phone number provided for XXXX or XXXX. I went through the process on the Equifax automated phone system and was eventually told that there was already an initial fraud alert for my SSN. I did not request this initial fraud alert and am concerned that someone else has my SSN and has requested the initial fraud alert so that they are contacted with credit requests instead of me. The Equifax automated phone system told me to send additional information to their Office of Fraud Assistance in order to request ( another? ) initial fraud alert. I tried to contact a representative at Equifax to find out when this initial fraud alert was placed ; however, there was no way to speak with a representative or get that information online. I tried to contact the other credit reporting agencies as well but could not speak with a representative. I called the FTC and CFPB for suggestions on what to do next, and the CFPB representative suggested that I file a complaint here. I also have a XXXX account since my information was part of the XXXX breach a few years ago. According to that account, there has not been any activity using my SSN as of XXXX/XXXX/17 ; however, I 'm trying to be proactive in preventing fraud from occurring at all.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit reports with transunion, XXXX and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXXXXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

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 02-05-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Pioneer Credit Recovery has continuously attempted to contact me after I informed them the debt they were trying to collect was not valid. They contacted my employer several times, they contacted my family, they contacted friends. They even contacted distant family members that live out of state, and one of my friends at their place of business. the overall harassment is not only  embarrassing, but incredibly stress inducing.

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 12/31/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: In TransUnion recent letter dated XX/XX/2018 they stated that the Items were verified, but as you can see in the attached copy of my before and after credit Report, it clearly shows that XXXX couldnt verify the Items and were deleted. I would like to know how you verified the information listed in the attached letter named TransUnion 6 ( which is my 6th letter trying to resolve this matter ) when it is clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading 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 06/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I had a balance owe on my AMEX in XXXX XXXX. I paid the {$220.00} due through the phone. XXXX XXXX the statement came back saying I owed this amount plus late fees and interest. I told AMEX that I paid off the amount and sent them a copy of my bank statement with the withdrawal. AMEX stated this was not good enough. I called XXXX, my banker, and three way the call in so myself AMEX and XXXX rep was on the phone and this was not good enough to clear up the matter. When asked what would help to clear the matter the only thing AMEX keeps saying is to send the statement and have XXXX contact us. XXXX even sent a letter of confirming the issue. My credit is ruined and I can not find a place to live and I can not clear up this matter on my own. I contacted a lawyer and he stated I should contact the credit bureau first. PLEASE HELP!

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 03-10-2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (MS).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with KEYCORP (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they suspect I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {$2000.00} and their system accepted it - even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {$2000.00}. But, a negative {$2000.00} appeared on the defunct XXXX when it should show XXXX - and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about " banks hitting the card ''. The {$2000.00} was removed from the XXXX and is now on the XXXX  card with fees and interest. No description as to what it is or where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Credit card protection / Debt protection

Complaint: Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Customer service / Customer relations

Complaint: I 've had my Citi Thankyou card since 1996. Never had any problems until this year. I was 2 days late making the payment to completely pay off my balance in XXXX. I knew I would be charged interest on my next statement. I paid the complete balance in XXXX. However, when I received my statement for XXXX, there was another interest charge of {$240.00}, so I called customer service. They said they could n't help me, but would have a supervisor contact me. I missed the call when the supervior called back and she left a message saying that I should call the number on the back of my card. I have called 4 more times and each time I get the same response, that they will have a supervisor contact me. To date, I have n't received a return call from the supervisor. It 's very frustrating to received no response 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 monetary relief