milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has repeatedly added a fraud alert to my account numerous times. I have asked them over and over not to add it because it has affected my bank account and my business transactions. They have added a fraud alert 4 separate times after I asked them to remove it. They first added an initial fraud alert. It was sent to all bureaus and my bank account was frozen. I called and removed it from all three. They went back and added a second one on XX/XX/XXXX. I called and removed it AGAIN and told them that I no longer wanted the fraud alert because my banking systems are being affected now. I got an alert on XX/XX/XXXX that a fraud alert had been added once again. I called all 3 to have it removed. I get a letter in the mail on XX/XX/XXXX stating that I asked for an Extended 7 year fraud alert and I DID NOT. Now my banking is frozen again. I called and removed it again on XX/XX/XXXX. I then get an alert from XXXX stating that Equifax added an initial alert again and did not add a number for any creditor to call me. Then they took additional steps to removed me from the promotional offers list by blocking my information. I repeatedly asked them not to do this as well. I was advised by XXXX and XXXX that Equifax is the one that continues to add the alert. XXXX even researched and saw that Equifax suppressed my information from promotional inquiries without my knowledge or approval. So now I am at 4 different initial alerts from just Equifax as well as an Extended alert that I did not authorize. This is my final request that Equifax stop playing games with my report as well as STOP ADDING INITIAL AND EXTENDED FRAUD ALERTS TO MY CREDIT REPORT. ADDITIONALLY I DO NOT WANT A FREEZE EITHER. This issue is greatly impacting my finances and banking history so remove the fraud alerts and add me back to the promotional offers list. I did not ask for my information to be suppressed from promotional offers because I need qualification for my home buying process. It feels that they keep adding them just to make things harder for me. I have to call each bureau and wait on hold for extensive amounts of time just to rectify an issue that I DID NOT ASK FOR. DO NOT ADD ANOTHER FRAUD ALERT, INITIAL OR EXTENDED, WITHOUT MY KNOWLEDGE. ADD ME BACK TO PROMOTIONAL INQUIRIES LIST AND DO NOT SUPPRESS MY INFORMATION FROM PROMOTIONAL OFFERS. If this continues, I will have no choice but to escalate to the Better Business Bureau and my Mississippi Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Im not sure the name of the company put they took the car back ... they told me if I wanted to return it would be off my credit I returned the car with no problems and its still on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Consumer Loan (Installment loan) with Home Loan Center, Inc. (NJ).
Issue: Shopping for a loan or lease

Complaint: I recently applied for a loan online from Lending Tree/XXXX XXXX and was pre-approved, and then proceeded to complete my application by phone. I was told over the phone that the loan had been finally approved at the rates I was quoted online, but was then transferred ( by phone ) to a local branch to make an appointment to sign the paperwork. That phone representative then quoted me a rate more than twice the original amount and tried to sell me an auto loan instead. 

This is a classic bait-and-switch scheme. They may have fine-print disclosures in the Terms and Conditions, but they should not be allowed to misrepresent the product to the consumer in this manner, which is misleading and false. They prey upon desperate consumers who need funds on an urgent basis and wear them down by keeping them on the phone for a long time, ultimately persuading them to accept a product for which the consumer pays a drastically higher rate, if they agree. 

They transferred me several times, and finally connected me to some kind of financial institution called XXXX XXXX XXXX at XXXX XXXX XXXX. in XXXX XXXX, NJ, XXXX. 

This is truly a horrifying scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo signed me up for their " Go Farther '' rewards program without my request. They began sending me monthly emails showing my zero balance. And there is no way to opt out of the emails other than canceling the program. 
It took 24 minutes on the phone to cancel the program.

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 01-10-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.

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 07/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've disputed this debt several times with this company and this is the second complaint through CFPB. After you contacted them the company took 2 almost 3 months to sent me copies of statements of charges every month with an address consisting of PO Box that I 've never had! I asked for signed documents from original creditor and also the contract between the two companies agreeing to transfer the debt and the amounts purchased on the dollar or cent. Their surety bond number for the state of Louisiana to collect the debt. Im asking for all documentation because otherwise I cant get any justice! And by law they have to provide it if they are saying the debt belongs to me and reporting it as mine. I 've filed a report and a report with FTC pertaining to my stolen identity.
The address that 's on the statements provided is the same address that someone tried to use to obtain credit in my name 2 months ago with XXXX XXXX. They sent me some statements and claimed that was verification that the debt was mine but it did n't prove anything but they have some statements from an address that 's not mine! And has never been an address of mine. They have to verify that it is my debt not that the debt exist! That 's why it 's called Identity Theft! This is my 3rd attempt in writing to solve this matter and I want notation of the matter before I can seek farther action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MA).
Issue: Credit decision / Underwriting

Complaint: Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Portfolio Recovery is reportinig inaccurately on my credit report. There are 3 accounts that show on my credit reports that are not mine. I have never received anything from this company to Validate this request. This debt is showing from XX/XX/XXXXbut I never received anything from them stating it was my account. I disputed with the account with XXXX, XXXX, and XXXX and the accounts were updated with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month and they sent me a copy of a bill at an address I have never lived. I asked them to validate the debt and send me a copy of what I allegedly signed for this account and I still have not received it.. I am attaching the letter sent to this company and the proof of certified letter. I want to be provided the actual contract that I allegedly signed for this company. I have informed this company that I have never lived at this address in question.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX took the process seriously and looked not only at my letter ( s ) explaining the unauthorized transactions but they also took the supporting documentation I sent to them and immediately removed the accounts in question. I have XXXX accounts that belong to my ex-spouse XXXX XXXX that she obtained while I was serving our country as an XXXX XXXX in XXXX. I signed a Power of Attorney over to her while I was laying my life on the line in combat because we have a son together and in case I died, I wanted her to be able to handle my affairs for the betterment of her and my son. Instead, she took the Power of Attorney and opened up accounts without my presence or knowledge which to say the least is very wrong on many levels because when I returned home from XXXX, she continued to use the Power of Attorney without me knowing that either, and I mean upon my immediate return home. Think about that sneaking behind my back to open up an auto loan with XXXX XXXX ( supporting documentation attached ), she opened up an account with XXXX XXXX. XXXX and charged it off in my name ( supporting documentation attached ), and through a court order, she was supposed to be responsible for a home loan with XXXX XXXX XXXX Mortgage but instead of abiding by the court order, she 's currently {$3100.00} past due on the account which is reflecting on my Transunion and XXXX credit reports ( supporting documentation enclosed. ) I have been writing letters and sending supporting documents to XXXX and Transunion for over 5 months now and all they do is contact XXXX, XXXX XXXX, and XXXX XXXX XXXX Mortgage and come back with a response letter saying that the creditors verified the accounts. This is not proper investigational work. The companies mentioned do not have the right ( legally ) to continue reporting the accounts on my credit files with Transunion and XXXX. I reiterate : upon XXXX receiving my first and only letter to them accompanied by supporting legal letters, immediately deleted the unauthorized accounts from my credit file with XXXX on XXXX XXXX, 2016. Since then I just keep getting the run around with XXXX and Transunion. Its as if they just do n't want to take the time to review the legally binding supporting documents that I keep forwarding to them. Please see attached supporting documents and get Transunion and XXXX to remove the unauthorized accounts or the only remedy I feel will be necessary, will be to start contacting XXXX in the states of XXXX and XXXX and to get the XXXX Office to look into this very request for investigation with the CFPB if this is not investigated properly and proof of a proper investigation is not rendered back to me. Please help so I do n't have to keep climbing the ladder and or wasting time.

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 03-01-2016 about Debt collection (Mortgage) with CITIBANK, N.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud me.

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 06/15/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing statement

Complaint: On XXXX XXXX, 2015, I purchased XXXX shirts at Macy 's and was asked if I wanted their credit card, which I agreed to apply for. I also ordered a suitcase and canceled the order and never picked up the suitcase. On XXXX 2015, I received a bill from Macy 's that stated I was late with my monthly payment. I called them to tell them that I had never received the credit card and that the charge for the suitcase ( that I canceled ) was still on the bill. I also told them that I could not register to make a payment on their website and was informed that I had to activate the credit card ( which I never received ) in order to open an online account with them. I tried several times to resolve the issue via phone without success. Finally I told them I wanted to make a payment ( for the merchandise I purchase ) via phone and paid for the XXXX shirts I purchased. I then told them that I had never received the credit card and wanted to cancel the account. I was told by the Macy 's phone representative that I had to pay the interest and that the account would not be closed until I made payment. I explained to them that what I was being charged for ( all interest ) was not a fair business practice because I had never received the card. Recently I received a notice from a collection agency that I had to make payment. I also received a notice from the U.S. Office of Personnel Management ( OPM ) Cybersecurity Resource Center informing me that I had a negative flag on my credit because of the Macy 's account. This has greatly negatively affected my credit score and credit standing in general. I am being charged {$330.00} ( all interest ) for a debt that resulted because of Macys ' incompetent handling of my credit card account. Not one cent of the amount that Macy 's states I owe is for merchandise. I do not believe that Macy 's should be ruining my credit because of their unscrupulous business practices. I am a government civil servant who has much to lose credit wise and employment wise because of this situation. I would greatly appreciate any help that the CFPB could provide me to settle 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 monetary relief
Consumer complaint received 07/18/2015 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Billing disputes

Complaint: Banana Republic Credit Card Services intentionally obfuscates the process for changing your automatic billing. Whenever you try to change your autopay ( no matter how far in advance of the payment due date ), it cancels your your previously scheduled autopay but does not put in place your newly requested payment amount until the next scheduled payment. Banana republic does not clearly inform you that no payment will be taken out on the next payment due date until XXXX day after the payment is due. This has resulted in fees. Secondly, Banana Republic took out XXXX payments this last month : XXXX was the payment I authorized for the full amount due. The other was a separate billing for {$750.00}, which I did not authorize. When I called customer service, they could not inform me why this second payment was taken out. The second billing caused my bank account balance to go negative and caused me to incur an overdraft charge from my bank. Banana Republic refused to refund my money unless I went down to the bank and got them to fax over a form confirming that they had accepted both charges, despite the fact that Banana Republic was crediting my account with both charges. I finally ended up cancelling my card. Banana Republic would not refund the overdraft fee the bank charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing XXXX Inc., is the WORST company I have ever dealt with in life! Since XXXX, XXXX, I have been trying get the mortgage ( in my deceased father 's name ) lowered. I have consistently filled out paperwork, and sent in requested documents over and over again. ( I have those documents as proof along with dated receipt emails from Select Portfolio Servicing , Inc. ) My latest attempt has been to go online and request a modification/assumption ( or whatever the latest option ). However, I received a letter from Select Portfolio Servicing stating that my home would go into Foreclosure and up for sale on XXXX XXXX XXXX. I am attaching a letter I wrote to them in XXXX XXXX. It pretty much sums up the situation. I believe Select Portfolio Servicing has deliberately put me off, by loosing documents, and requesting them over and over again. I had an appraisal done on the home. I contacted them about it, they said it was no long valid because it was over 90 days! I did n't know that! They have done checks on my credit so much that I asked them not to do it anymore because they were Hard Hits! I have met with a XXXX XXXX XXXX to help me with my troubles. I feel somewhat of a relief, but I still have foreclosure hanging over my head. This mortgage company seriously needs to be investigated. I 'm sure other people are experiencing, or have experienced somewhat of the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Approximately {$2000.00} taken by terrorists using ATM, Static webpage, teller and or merchant accounts from my Santander Bank account XXXX also illegal use of XXXX and other hacker technology to prevent me from opening a claim and XXXX XXXX   intercepted calls to Sanrander fraud and bank departments.

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