milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with Experian. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Account opening, closing, or management

Complaint: I open HSBC account, seeing his ads of XXXX bonus. I meet all the requirement, and now HSBC did not get me bonus and said I forfeit it, there is no point with it. They also saying they would allow do global transfer with XXXX service fee with premier account, the fact is they just give an error code and froze my account without my agreement and deny me do transfer money to US. It is definitely they sell fake service or they refuse to serve me ( transfer funds, having bonus ) as they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Payday loan () with AmeriCash Holding LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from " Dash of Cash '' for {$700.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1700.00} and per the Dash of Cash website I have an outstanding balance of {$570.00}, which means out of {$1700.00}, only {$120.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than XXXX % interest. 
On this loan, that would be the Principal : {$700.00} plus XXXX % interest : {$42.00}. 
Based on XXXX law, I have overpaid by {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with Credit International Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt appeared on my credit file as a collection. I have never done business with these people, I have never signed or authorized this debt. I have written to the credit collecting people, and they sent me a form with no signature and claim I am responsible for the debt., I have never done business with their client, I do n't even know who or what they are ( the client ), I am a XXXX year old XXXX person, who lives in a tiny town in Washington state. I dont know where this debt comes from as I havent been out of my state in 12 years

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from XXXX on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form XXXX as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.

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 02-01-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Capital one continues to capitalize off the # of unexplained NFS charges on credit card purchases account that 's attached to checking account, capital one executive director called on XX/XX/2017 without a resolution but instead to continue causing hardship on economic resources capital one have used tactics to capitalize off members economic resources as capital one continues to delay memorandum of Transparency accuracy of accounts open and accessible to XXXX XXXX XXXX by the end of today 's closing.XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion and XXXX are still charging money for credit freezes and thaws. After the XXXX break, the XXXX breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.

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 12-12-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. 

I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XXXX, after XXXX military service. I moved back to XXXX XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) XXXX XXXX, XXXX is the collection company in the states, represented by XXXX in XXXX XXXX.

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 11/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Opportunity Financial, LLC (CA).
Issue: Received a loan you didn't apply for

Complaint: I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

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 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Universal Recovery Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is collecting on a debt for an insurance company, who was continually charging for a policy that was canceled due to the XXXX required the Dealership to take back the vehicle as it was sold in with a salvaged tittle. 

The agency also has a second account from an insurance company, who has sent me to collections with no notice from them about this debt in over 2 years .... That collections agency is also charging additional fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: Military Retirement XXXX Pay of {$XXXX} was held for three day from XXXX XXXX, XXXX until XXXX XXXX, XXXX, then again a second incident in XXXX XXXX, XXXX Military Retired XXXX Pay of {$XXXX} was held again for two days. on both occasions the Automatic Clearing House ( ACH ) put a HOLD on XXXX Pay with out any Notification, Chase Bank Alert settings were in place and the ACH Department Failed to make any notification. continuous Criminal Activity continues with Chase Bank Programmers, and IT Department and Compliance have " NOT '' prevented any Criminal Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Have a loan thru XXXX XXXX and have been paying on it for over 11 years. Several times over the years I was unable to make the payments and they only offered me a 3 month grace. Most recently I was unable to make a payment because I was unable to work and was told I had used all my options and not to make the payment and to call when I could make the payment. Well that put me in less than good standing and they are now contacting my co signers which I was never told that I could ask to have them removed from the account after making a certain number of payments. Navient is the one that has the account right now and was the one who told me not to make the payments. I now owe more than the original loan was nothing has ever been taken off th principal because i was never able to afford the principal payment. I just wish Ii had never got involved with This company! This was a loan out for my childs education.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (TN).
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: About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On all  XXXX  credit reports, ( and this is the second time this has happened to me ), I am car shopping and they are only supposed to run it through a maximu  m of   XXXX   companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.   XXXX   XXXX   this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX    XXXX   XXXX    XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   C  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   there should be a max of  XXXX  on there. I allowed  XXXX  from   XXXX  ,  XXXX  from   XXXX   XXXX   and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to 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