milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade Brokerage and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade Financial Services and the differences in any arbitration agreements.

Company response to consumer: Closed
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Fraud or scam

Complaint: I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!

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 EQUIFAX, INC. (TX).
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: Equifax allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 XXXX XXXX report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and Equifax said NO that they and the companies controll what go on the report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. 

Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. 

These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was using my credit card at a store and a purchase was declined, I called my bank and they said I had a hold on my account. After further research and obtaining my credit report, I noticed a bankruptcy on my report that I have no knowledge of whatsoever. I went to file a police report for the fraud that happened and sent everything to the credit bureaus. I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.

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 11/14/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (DE).
Issue: Managing the loan or lease

Complaint: On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. 
I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Billing disputes

Complaint: I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service ((CD) Certificate of deposit) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Customer : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX California XXXX Tel : XXXX ; E-mail : XXXXXXXXXXXX Complaint Against : CITI BANK,XXXX XXXX XXXX, XXXX XXXX , CA XXXX Tel:XXXX ; Fax:XXXX POC : XXXX XXXX, Bank Manager Claim for refund of the {$180.00} Legal Fees charged to my account, in the year 2012, I believe, when I was away on XXXX XXXX, when the IRS took money from my bank account. The CITI BANK charged me the {$180.00} as " Legal Fees. '' I want refund of the money. I was a customer of the Citi Banlk for several years. The bank should have appreciated that. 
I spoke to the bank manager, he referred me to the District Manager, who never returned my phone calls. 
FDIC should help me recover my money. This is notto treat customers who are serving in the U.S. military. The bank should be appreciative of my situation, and not undue advantage of me.The bank makes a lot of money.The directors make XXXX.So, why take advantage of a poor person?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (NM).
Issue: Charged fees or interest you didn't expect

Complaint: My husband and I both got a payday loan from Check n go. They are taking $ XXXX from me every month and $ XXXX from my husband every 2 weeks for 18 months each. We were told the interest is only 200 % and not a penny more. Yet only {$5.00} goes to principal and the rest interest. When I do the math on both loans it comes to more like 300 % +. They refuse to work with us. I am tired of their so called lying legal department telling me they guarantee the interest is only 200 %. I borrowed {$1300.00} and my husband {$5000.00} by the ladies being so deceiving and calm explaining everything false to both of us. They refused to let us read the papers we were to sign yet tell us let us explain to you what this paperwork says. The ladies falsified the information and left so much information out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX XXXX I called XXXX XXXX XXXX to request a credit card line increase. I was very specific and asked multiple times how the process works and if that would be a hard inquiry on my credit if I would request a line increase. The phone banker assured me several times that it would n't be a hard pull on my credit. A couple of minutes later I received an alert that XXXX XXXX XXXX pulled my credit. After reviewing my inquires from XXXX XXXX XXXX on my credit report I recognized another hard inquiry from XXXX XXXX XXXX. This inquiry was a result from my first line increase request. Both hard inquiries were done without my consent. I requested that both inquires are going to be removed. The phone bank Manager ( Name : XXXX XXXX ) did n't really take my issue serious he said that I will be receiving a call back by XXXX XXXX with the resolution. I am very disappointed with XXXX and at this point I can not trust in XXXX anymore that they will take serious action in removing those inquires.

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 09/17/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has frozen all of my accounts and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX, however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XXXX since I received a raise in XXXX, which means reported income in XXXX will be higher than the income stated on my XXXX tax return?

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Personal line of credit) with Westlake Services, LLC (NC).
Issue: Managing the line of credit

Complaint: I purchased a XXXX Mitsubishi Montero XX/XX/XXXX. It was financed through West Lake Financial XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I found out XX/XX/XXXX that they were not reporting to the bureau. I called to correct this problem, I was told by West Lake staff that they did not have my social security number. I sent the necessary information, which was requested by West Lake in order for them to begin reporting. I called XX/XX/XXXX because I was informed by the credit repair company that I was working with at the time that West Lake was still not reporting, mind you I have been in good standings with them throughout the duration of my loan in attempt to rebuild my credit. So I was told to send the same information again so I did. I went to purchase a newer car last week and to my surprise West Lake is still not reporting. I called and spoke with numerous customer service reps and supervisors and this time they told me they have my information from when it was sent XX/XX/XXXX but I need to send it again via fax and call back so they could pull it and add it to my file. I was told after this they would begin posting immediately. I did as I was advised, however once I called back the story changed I began getting the run around and was advised to email it because they can not receive fax. I emailed the information needed and they still refuse to report 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. XXXX, XXXX, Experian this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.

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 Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation