milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 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: It was recently discovered that a very large data breach occurred within the Equifax system. After some research I was directed to Equifaxsecurity2017.com to determine whether my personal information was impacted. The following message was shown after providing my personal information : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXX. 

While I have since enrolled in Equifax 's XXXX as well as XXXX XXXX  XXXX programs, which are both FREE. I have, in addition been able to put a block on my credit profile for both of these agencies without a cost. 

The problem I now have, is when trying to achieve the same sort of credit block for XXXX, I am directed to a FEE-ONLY service unless I qualify as a victim of identity theft. 
I feel that based on the type of data that was compromised ... Social Security numbers, birth dates, addresses and even some driver 's license information ... all of which can now be potentially used without my knowledge for the rest of my life, that I would qualify as a victim of identity theft. Therefore, I feel I should qualify for a free credit block/freeze option from any bureau collecting and reporting my information. 

XXXX specifically requests a valid copy of a police report, investigative report or complaint filed with law enforcement agency to qualify for a FREE credit freeze. 

Please send me a certified copy of my formal complaint so that I can protect myself against any potential future threats against my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capital One put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Payday loan, title loan, or personal loan (Title loan) with Advantage One Credit, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: Today I tried to call this title loan company we have had an account with since 2015. I wanted to inquire as to why in XX/XX/XXXX I received a bill saying my pay off principle was XXXX $ and as of last Thursday he said it was over {$5000.00}. They did n't answer the phone it was sent to voicemail several times. I called a 6th time and the man that taped the voicemail greeting also answered. I asked him about the huge balance  difference. He said that bill was only sent to get me to call, I was shocked, that might have been criminal. He said they had a service company in CA ( Where we got our loan ) and he said they were transferring everything over to their Texas office and that he was sure it 'd be done by this afternoon. Turns out his address is at a XXXX store and he is n't answering his phone now. I just want my title back. I do n't know what else to do.

Company response to consumer: Untimely response
Consumer complaint received 02-05-2018 about Debt collection (Payday loan debt) with GMA Investments, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX XXXX. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with United Consumers Inc (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.

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 10-05-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.

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 02-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job on XXXX XXXX but I still paid my mortgage every month. On XXXX XXXX, I called my loan servicer Wells Fargo to ask forbearance plan, which stated on its website. First I was told they do n't have this plan, but only modification, and I was not eligible because my loan was current. After I reiterated I did n't want modification but temporary assistance, they assigned me a home preservation specialist. I told him put notes that I do not want modification. He ensured he did, and told me the assistance plan for 6 months which pays {$25.00} each month, and a lump sum total repayment needs to make after 6 months. He also stated I need to submit property tax and home insurance info to get approval. I was hesitated and never submitted these. I got a letter one week later that I got approved even though I never submitted requested info. At the beginning of XXXX, I decided to make full payment for my mortgage, I was told online I had to call home preservation to make a payment. I did, and the specialist assisted. One week later, I received a letter that escrow account was established and payment for property tax was made. The letter dated XXXX XXXX, but I paid my property tax on XXXX XXXX. The letter indicated Wells Fargo reviewed my property tax upon the assistance program. The specialist never notified me this, and I had up to XXXX XXXX to make tax payment. So now, I was forced to create an escrow account, my property tax was double paid, my current loan is no long current because the escrow amount was taken from my principal. I called the specialist, his manager stated that the purpose of escrow account was to protect investors ' interest. If I ask for assistance, even just for a few months, they have to establish escrow account. My questions are if I could only afford {$25.00} a month payment, how would I be able to afford escrow? I asked for temporary assistance for my last resort help in case I can not make payments, but now my credit got ruined, my loan was messed up, my property tax was double paid, and I no longer can have temporary assistance. How awful!! I would rather use up my savings but not want this kind of disaster, hassles, and insults. Wells Fargo does n't care about consumers like me but only its investors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account should be removed from my file, it has been over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX, Experian and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I canceled my credit card with XXXX XXXX XXXX over the phone the first week of XX/XX/XXXX and paid the last payment of {$8.00} on XX/XX/XXXX because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XX/XX/XXXX and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting that information ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither should suffer due to their incompetence ...

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Unsolicited issuance of credit card

Complaint: During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.SXXXX customers of the credit reporting agency. As of XXXX XXXX, 2017 at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 XXXX XXXX, 2017 I obtain a copy of my transunion report and i notice i had inaccurate and incorrect information on my report which caused my score to lowers. 
It is my understanding I would like to receive everything in writing that shows if debts are validated her set with a did.

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 02/20/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.

Company response to consumer: Closed with explanation