milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

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 07-12-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Citizens bank continues to charge me ridiculous funds when they hide transactions to purposely make your account go in the negative. On XXXX XXXX I received a XXXX nsf I hve screenshots that the transaction that came through left my account with XXXX cents. When speaking to XXXX from Executive office who could care less advised me I should not be using the app or online to confirm my balances This makes no sense its the 20th century! She tells me that I should be writing down my info whats the purpose of having these tools if they are not accurate. Citizens is charging me XXXX since they say I had a XXXX hold that was NOT reflected in my balance I am escalating this to the highest level as POSSIBLE and do not EVER want to be contacted by XXXX again I am currently looking for a new bank after reading so many reviews Citizens continues to do this to hard working consumers. I do not have funds to pay these fees! Transactions on hold disappear I monitor my account VERY closely and XXXX advises me track by writing things down because she does that 's a terrible reply to hear from someone supposedly in the Executive office this company could care less about there consumers and are out to get fees anyway they can!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this 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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. XXXX has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my XXXX Credit Report. I called Barclay 's Bank of Delaware and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!

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 04/25/2017 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: This is in regards to Loan #  XXXX  with  Plaza Home Mortgage Inc .   On  XXXX   XXXX   XXXX ,  XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing  counselor to Plaza Home  Mortgage. On  XXXX   XXXX , the home owner informed the housing  counselor that Plaza  Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On  XXXX   XXXX ,  XXXX . On  XXXX   XXXX , writer spoke with a representative from  Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents  (  bank statements, pay stubs, etc ) as well as have updated signed documents. On  XXXX   XXXX ,  XXXX , the documents requested by  Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home  Mortgage. On  XXXX   XXXX ,  XXXX , housing counselor spoke with a representative from  Plaza  Mortgage. The representative provided the housing  counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home  Mortgage. The representative stated that the forms needed to be signed and re-dated. On  XXXX   XXXX ,  XXXX  the documents requested were emailed to P { laza  Home Mo rtgage. On  XXXX   XXXX ,  XXXX ,  Plaza  Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on  XXXX   XXXX ,  XXXX . Finally, On  XXXX   XXXX ,  XXXX , housing  counselor spoke with a representative from Plaza Home  Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of  XXXX   XXXX  and  XXXX   XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: On XX/XX/2017 I filed a complaint with the CFPB notifying the credit reporting agency of the identity theft report I filed for an account with XXXX. I provided a copy of the identity theft report filed with the FTC, a copy of proof of identity, and a statement explaining the circumstances surrounding the fraudulent account. I have already attempted to resolve this with XXXX 's attorney with no success. Pursuant of the FCRA identity theft clause the credit bureau had XXXX business days to remove the fraudulent account from my credit report. The credit bureau has failed to comply with the FCRA and as a result is causing financial injury to me. I am unable to participate in my financial conglomerate 's business activities due to this fraudulent account leading to a reduction in income.

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 02/26/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Managing, opening, or closing account

Complaint: The time it takes to receive a lost or stolen card. I reported my card lost and it takes 7-10 days to receive a new card. I am on day 10 and have not received my new card. They have methods to help you get cash from the card, but but I have exhausted those methods such as card to card transfer - {$2500.00} limit ; they have a new system where you need the card to to use it to get the security code off the back. They do not have an expedite system for new cards like many of the other prepaid cards like XXXX. If I were am American Express holder, I would have gotten a new card within 24 hours. Al my bills that depend on my paycheck are behind, i.e. insurance, furniture bill, rent. I can not put gas in my car or food on my table because my funds are tied up in WAITING for a new card. I think this activity is criminal, I think if they are going to offer the service on a card, they should have an expedited method for lost or stolen cards. You call customer service some where in XXXX, they do not have any information they can offer. They have no power or permissions to do anything. It is a ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (I do not know) with LTD Financial Services, LP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ltd financial is calling my place of employment and repeatedly leaving messages for me to return their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax will not send me my annual credit report. I have requested this several times. I have n't received a credit report in over 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Multiple Inquiry Removal Letter and Public Record Letter on   XXXX   XXXX    2017 by ce rtified mail in order to dispute information, in regards to  XXXX  hard inquiries and public record, that was being reported on my credit report. They received the letter on   XXXX   XXXX    2017 a nd they completed the request on   XXXX   XXXX    2017. T he request that I submitted included  XXXX  Hard Inquiries and public record 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 believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, F CRA 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 FCRA must delete the disputed information from its files. The fact that I received a response 4 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 and public record 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 and public record 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 01-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: I lost my whole wallet with all my I 'd social security card in there and that how someone got hold to my account 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 06-01-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.

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 09/22/2017 about Debt collection (Credit card debt) with LPSG (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This is the second complaint I have filed regarding this issue but I have more detail to add. 
On XXXX/XXXX/XXXX I received a call from " XXXX '' at XXXX. I have traced this number to XXXX XXXX XXXX in XXXX XXXX California. XXXX said XXXX uniformed officers were coming to my house on XXXX/XXXX/XXXX to serve me with some legal papers. XXXX gave me a number to call, XXXX, and a case number XXXX, also in XXXX XXXX, California. Someone I called at that number said they were from XXXX XXXX and XXXX. I can not find a listing in XXXX XXXX for this firm. 
The woman I spoke to at extension XXXX, told me this was about a credit card that was charged off in XXXX. I know the statute of limitations for lawsuits in Florida. This would be a dead debt. She then went on to claim that I made a deal in XXXX XXXX XXXX she gave an exact date ) with some collector and started paying this debt and defaulted, thus renewing the debt. I did no such thing, I wrote no checks or money orders, I made no negotiations and I neither talked or spoke to anyone from XXXX XXXX Bank XXXX XXXX in XXXX XXXX. She fabricated this story as a scare tactic. This woman went on to say she was giving me XXXX hours to get my " ducks in order '' and call this creditor before legal action would be taken. 
I do n't understand how this company can claim I made a payment or negotiated with a debtor when I know this is not true. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received multiple threat calls to my cell, my job and my family.

Company response to consumer: Closed with explanation