milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reports that a breach ( cyberattack ) may have hit 143 million customers and confirmed that the XXXX XXXX security flaw Equifax failed to patch is to blame for hack. The National Institute of Standards and Technology states this security flaw has been in the wild since XX/XX/XXXX. 
If those XXXXwo events were n't terrible by themselves, Equifax uncovered the breach on XX/XX/XXXX but did n't announce the breach until XX/XX/XXXX. 
The worst part is tha
t three Equifax upper managers sold stock before the breach was revealed. This is gross negligence and insider trading. We live in a world where security breaches are a common occurrence. This type of event is one that nefario
us parties from foreign countries have been waiting for. An example needs to be made so that other companies start taking security seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 reviewed experian reply as to complaint filed. Still experian has failed per he FRCA and privacy law breach act to furnish any documents bearing my signature of stated public record of bankruptcy on my report. Experian states that they have verified accurate of any bankruptcy with public record and or vendor. Experian still has not let my compliant supplier me with information or written documents advising who and what vendor has given them information. I still continu me to still suffer from financial stress of experian neglect behavior and operating out of the law and cause deformation of credit ability to me. Lastly, I am still requesting that any and all accounts showing bankruptcy and public record of bankruptcy be removed from my report due failure of supply me with written documentation of such. Just because experian is staying that they verified such public with data vendor does not comply with stated original compliant and the FCRA. If not removed I will move forward with civil law suit for neglect actions.

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 01/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Oportun Financial Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

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 11/25/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: {$80000.00} was paid from my trust account with my social security number from the 15 U.S. Code 1692e Fair Debt Act.after payment i received a notice of receipt of paid in full about 2 weeks later i got a notice that the payment was there but they state that they had a notice of incorrect account. i request a coy of the reject code from my trust account the oringal stamp to report to the bank that was set up at my birth. I feel my consumer Right are and have been violated. and no full disclosure with this company

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To w hom it may conc ern, I mailed a  Multiple Inquiry Rem oval  Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you belie ve this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report  display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 06-12-2015 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I reported to TD bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to TD bank and police TD confirmed the theft by " skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at TD bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in " XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called TD bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by TD fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want TD bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Credit card debt) with Nationwide Credit Corporation (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Nationwide Credit Corporation refused to give a receipt on medical debt paid unless I wait 30 days and then call them back to make the request for a receipt. 

We are not talking about letting a company have time to process and send a receipt. We are talking about a company that does not let you REQUEST the receipt for 30 days. They are ILLEGALLY hoping I forget to call them back. I see NO LEGAL reason for them not making a note of my REQUEST for a request when they take payment. 

If CFPB thinks this policy is OK, please send an explanation of what legal purpose anyone would have to refuse to allow me to REQUEST ( not receive ) a receipt until 30 days after payment is received over the phone. 

I can not clean up finances and prove that deductibles are met without the receipt. It should not be so hard for me to get a receipt. This is clearly a scam to make sure I pay more money than I should.

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 06-03-2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My husband died on XX/XX/2017. I called Navient and talked to a very nice young man who gave me a deferment until XX/XX/XXXX and said I should complete the Income Based Reduction forms to lower my payment. I did as he asked and my payment went up {$57.00} to {$650.00} and change. I called and talked to XXXX. She said I had no options. I said I have paid every payment for 10 years and all I was asking was for four months of no payments so I could figure out my finances. Her direct quote was " You need to prioritize your finances '' I asked for a supervisor and I waited forever and finally hung up. I contacted Navient by email and received forms back with condolences and that over the years I had used up my deferments and forbearances and if I tried to get an income sensitive there is no guarantee that my payment would go up even more. I bring home {$XXXX} every two weeks after taxes, insurance, union dues, etc. But my gross is XXXX which is what they are going by All I was asking for was four months. It is disgusting that they could n't see their way to do that. I did was I was asked to do by XXXX and was punished for compiling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not a valid debt.

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 11-05-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/XXXX 2015 I made an online purchase using my American Express Serve Card. On XX/XX/XXXX,2015 I contacted the merchant explaining I did not receive all of the items and the items I did receive where melted. The merchant stated they would send my return labels to return the merchandise. I never heard from the merchant or received the return labels. I then contact American Express Serve to dispute the charges on my card. I emailed documents and a statement explaining what happened. I called to check the status and was told I would have to wait until XX/XX/XXXX 2015 to receive a provisional credit. I asked to speak to someone and they placed me on hold for over an hour to talk to a supervisor. Once the supervisor got on the phone she told me it was nothing she could do and I would have to wait until I get an email from the dispute department. I asked if I could speak with the dispute department and she stated no, they only communicate internally by email. I informed the supervisor this was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: A XXXX XXXX purchased a used XXXX XXXX XXXX XXXX fraudulently using my private residential address. XXXX is stationed at XXXX XXXX, XXXX, home of record XXXX XXXX and drivers license either NY or XXXX XXXX have no ties to XXXX  . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX allowed XXXX to purchase the vehicle and register it fraudulently using my personal residential address without my knowledge or consent. Identity residential fraud. The XXXX Staff did not check the proper credentials nor verify if XXXX even live d in XXXX. XXXX obtained XXXX   license plates for XXXX XXXX and registration fraudulently. XXXX XXXX XXXX Staff lack of identification verification from buyers when registering vehicles in XXXX leaves all XXXX residential addresses open to exploitation and identity address fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.

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