milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Account opening, closing, or management

Complaint: Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (IL).
Issue: Fraud or scam

Complaint: XXXX XXXX the owner of RushCard has cause a lot of people including myself a lot of financial problems due to RushCard system being " hacked '' or shut down from what I 've read so far. I have XXXX cards with RushCard and neither of them are working properly. I will not be using RushCard ever again and will not refer any of my friends or family to this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputed this account over and over, and I got not answer, XXXX # XXXX This account was included in the bankruptcy case and have been discharged through the court

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: sent money over did not receive it in my account no correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Capital one off er me balance transfer with lower interest and I request a check so I can deposit into my account so I can pay credit card bills. Now capi tal one charged on my capital one account day 1 and I never got check, they refuse to give credit back and interest they charge me for that balance transfer offer which is {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 'm not sure how to file a dispute for a wrong address. There is an address on my report, that I have never seen or lived at before.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Non-federal student loan) with Rhode Island Student Loan Authority (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a co-signer on XXXX my daughter 's Rhode Island Student Loan Authority loans. We requested my name be removed from the loans and were refused because according to RISLA she did n't have enough credit history ( her credit is in the XXXX 's ) RISLA would not count any of her student loans towards her credit lines.. She received a letter dated XXXX/XXXX/16 from a XXXX XXXX Loan Originator for RISLA that if she was still interested in the co sign release we should resubmit, due to a changed that RISLA updated their underwriting guide lines and now consider her student loans as part of her credit history. We resubmitted the request to remove my name from her loans. 
On XXXX/XXXX/16 We received another letter stating again the co signer release has been denied because my daughter does n't make a minumum of {$40.00}, XXXX a year. 
XXXX. Never in the original agreement with RISLA did they state they would n't count all loans as part of her credit history. 
XXXX Never in the original agreement with RISLA were we told she had to earn over {$40000.00} a year to remove my name from the loan. If she is n't making enough money to pay the loans how did she get years ahead on the open ones and pay the others off? 
XXXX My daughter had no income at the time these loans were made and I was n't making {$40000.00} a year when RISLA approved them. 
XXXX. XXXX/XXXX/16 RISLA told us the only requirement she had n't met was that she needed XXXX more credit card now this feels more like a bait and switch. She met that requirement and they now changed the rules again. 
XXXX. In my opinion RISLA is being deceptive by leading consumers to believe that the only requirement to removing their name from loans is that the student has a good credit history and pays loans on time for two years She has more then exceeded the original requirements RISLA led us to believe we needed to remove me from these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Within the past 6 months, Equifax have blocked my credit file from me viewing via online. I literally have to spend  20 minu tes on hold to get transfer from the customer service dept. to the office of consumer affairs dept.  ( legal dept. of Equifax ).  I have spoken to sever al specialist including (   XXXX ,   XXXX   XXXX  , and  XXXX   XXXX  ) excuse me if i misspelled their names. We have spoken over the phone more than  12  times now. I repeating asked why is my file being locked from me viewing. Why I ca n't update my file, my old address is still on the file which the other  XXXX  bureaus already corrected the issue. I believe th e specialist at t his office of consumer affairs is personally attacking me from every corner. It 's not fair i ca n't look at my file like the other  200+million consumer Equifax deal with. on top  of this issue i have another issue with Equifax reporting of my tradelines. I repeated asked if my account could be disputed to update my file, i get denied or stated that i had to file the dispute online when my file is block to view even for disputes. It 's like a run around with  Office of consumer affairs. This is unprofessional, childish, Equifax should be fine for allowing s uch a harmful practices being displayed by these specialists. They treat me like a piece of trash from the dumpster. I am a victim of identity theft and is being treated like this. : ( this is a sad moment for the integrity of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  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 explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This agency is stating I owe money which is past due. I full filled my lease, gave proper notice, and turned in the keys and was informed everything is great. Now I owe. This is not right and I need 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 12/30/2015 about Debt collection (Auto) with Allied International Credit Corp., (US) (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been harassed by this company they have been making threating phone calls and they have been calling my son and my brother and I have no idea how they got there phone numbers. They have told my son and my brother that if they do n't tell me to call the company that they too will be in trouble. They also without my authorization withdrew money from my personal checking acct.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with Consolidated Management Group, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CrossCheck, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A company called " XXXX '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XXXX/XXXX/15, nearly two months later, I received a letter from XXXX XXXX XXXX, a unregistered collection agency claiming I owed a company called CrossCheck, Inc. the {$200.00}. I have never done business with CrossCheck, Inc. XXXX Louisiana Revised XXXX XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/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 07-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (NE).
Issue: Other fee

Complaint: After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Bank of America up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Bank of America roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation