milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contact Equifax and each company by certified letter requesting to remove the unauthorized inquiries on my report. I have received over 10 return to sender letters back as the address provided on my report are not to be found. I have also contacted Equifax customer service over seven times, spoken to supervisor and did get one representative that was willing to help remove the inquiries however the call dropped and each representative after that call refused to complete the deletion process. There are several unauthorized inquiries on my report primarily for auto-loans where a I had already a brad new car I purchased less than a year prior to the inquiries. I sent letters requesting supporting info from each creditor of my information, signature and proof of authorization which none of them provided but sent a letter stating the hard inquiry was factual and requested by these companies ; however they failed to provide proof to show that they were " factual. I am requesting that all unauthorized inquires be removed immediately or my next step will be to move forward with legal action. The inquiries are as followed : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2-XXXX XXXX XXXX XXXX XX/XX/XXXX 3-XXXX XXXX XXXX XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XX/XX/XXXX 9-XXXX  XXXX XX/XX/XXXX 10-XXXX XXXX XX/XX/XXXX 11-XXXX XXXXl XX/XX/XXXX 12-XXXX XXXX  XXXX XX/XX/XXXX 13-XXXX- XX/XX/XXXX 14-XXXX XXXX XX/XX/XXXX 15-XXXX XXXX  XX/XX/XXXX 16-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 17-XXXX XXXX XX/XX/XXXX 18-XXXX XXXX  XX/XX/XXXX 19-XXXX XXXX XX/XX/XXXX 20-XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: My information was compromised in a security breach, and I am a potential victim according to XXXX. Ridiculous that a company that handles extremely sensitive information can be so careless. The fact that I have to pay to freeze my credit is XXXX, I did not cause this so why do I have to foot the bill? It may only be a few dollars, but Equifax is making millions off consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Capital one ending in XXXX lost XXXX of my payments and applied to my old card in XXXX NONE were ever late they stated they never reported it as late

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.

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 04-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a large principle payment around XXXX/XXXX/16. Nationstar returned the payment because they did not know what to do with it. I then called and spoke with a lady and she said it would be easier for them to debit my account for XXXX separate amounts to make the total amount. They ended up applying some of my principle payment to my monthly payments. I was making this large payment because we were selling the house and closing XXXX XXXX. when i realized my payoff was not correct i called to find out what the problem was. THey has applied XXXX extra payments so i was paid up through XXXX. They said they would reverse the payments and send a new payoff. and this would take 24-48 hours. After waiting 3 days the law firm had not received the payoff. SO i called again. I would also like to mention that it takes an act of congress to actually get someone on the phone when calling nationstar and my calls were being forwarded to the same person ( XXXX XXXX ) who has still not returned my calls as it is now XXXX XXXX. Once i called and got a person on the phone they informed me that only XXXX of my payments had been reverse and this would again take 24 hours to process. I asked if there was anyway I could have his direct number to contact him the next day to verify that it had been taken care of. He assured me that he would personally check on my account and call me by XXXX the following day. At XXXX the following day i had not received any calls from Nationstar nor had the law office received a correct payoff. I made multiple calls that day to try to get someone on the phone and was never able to get anyone or a call back. i then sent a message through the website to ask for a person to contact me. I received an email that someone would call me within 3 days. I still have not received that phone call. To make a long story short because of the mistake by nationstar i had to pay more at closing that was need and never received a correct payoff. I think that this service is unacceptable and caused a lot of financial hardship for my family during this time. At this time I would highly recommend that no one establish a relationship with this business. And i have yet to be reimbursed from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: APR or interest rate

Complaint: American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Money was not available when promised

Complaint: I made a XXXX account to sell my washer and dryer. I posted my phone number for any serious buyers. The man who called himself " XXXX XXXX '' was interested and said he would send his check via mail and he would later send his movers to pick them up. He sent a check with extra money so that i may pay the movers. Well closer to the date we set, he said they needed a movers moneygram in order to go. At first I told him no because it was n't my responsibility, but he said he really needed the help. The check was listed on my account as received so I sent the moneygram to his " movers ''. Days later my bank tells me that check has no funds. So I am out that cash and that guy is no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was never informed of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, Equifax and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Mortgage) with Selene Finance LP (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.

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 04/13/2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Credit decision / Underwriting

Complaint: Hi, We are in the process of getting a mortgage from Citizens Bank. We submitted all paperwork and details the bank wanted 4 weeks prior to closing. We then were told we needed to submit a business XXXX which was submitted 4 times ( rejected 3 times due to handwritten info ) Mortgage lender did not tell us we could not hand write. Now we are on the XX/XX/XXXX and closing was supposed to be on the XX/XX/XXXX. We are now told that rates agreed on will not be honored because a disclosure document a different version of which has been sent 4 times had a clause on it for the XX/XX/XXXX. We have been asking the bank for past 3 weeks to tell us when they will finalize but no response. We also asked to speak to a supervisor but no response. Today they called me ( XX/XX/XXXX ) and said loan is not yet ready but we will lose the financing lock rate if the bank does not approve. The issue solely resides with the bank. Even after multiple communications a day to get the info they have not confirmed the closing date. They said we could provide you the closing letter sometime on the XX/XX/XXXX. How are we supposed to just know when that is and be ready to close. especially when it takes the lawyers time to prepare the closing documents from when the bank approves

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: continues to call me ... .my job ... and my family to collect a debt. I have told her not to call my place of employment and she continues to do so and speaks to my employer and family about my account and asks if they have other contact information for me ... .this happens 3-5 times a day ... and when I have spoken to her she threatens wage garnishment and harasses me about my situation ... I 'm done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On Tuesday  XXXX / XXXX /  XXXX   I spoke to  XXXX   XXXX  about a payment postpone ment ( piggyback ) a nd they agreed to do it. I asked several times about the effect it would have on my credit score. The consultant assured me that my credit score would not be harmed in any way. Today  XXXX / XXXX /  XXXX   I checked my credit score and the company has indeed gone back on their word and reported the payment as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Someone got a credit card in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700

Company response to consumer: Closed
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation