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 EQUIFAX, INC. (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I applied online for a payday loan with CashCentral.com on  XXXX   XXXX ,  2017 . I have the legal right to cancel the online loan request within 3 days. I did not receive the funds until  XXXX   XXXX ,  2017  on the same day I faxed a written Noti ce of Cancellation  t o Cash Central to end the transaction withdraw their funds w/no interest. I faxed and emailed Cash Central a gain on  XXXX   XXXX ,    2017  to withdraw only the loan funds without the interest because I requested cancellation of the transaction on  XXXX   XXXX ,  2017 . I have confirmation of the written communications.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Unsolicited issuance of credit card

Complaint: For the past several months, I have received billing notices to pay for a credit card which I did not request or authorize. 
Today, XX/XX/2016, I received another notice from Wells-Fargo that my account " remains past due '' This account was fraudulently issued. I have never requested nor authorized this credit card account to be est

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 monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have 3 hard inquires on my credit report without my authorization. 
The names of the companies and dates of the inquires in my credit report are : XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, 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 non-monetary relief
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Incorrect/missing disclosures or info

Complaint: I contacted Western Union to verify that money sent in the past five years was indeed received because I noticed that a recent transfer was not received and Western Union did not provide transparency. Upon my repeated calls, Western Union committed to provide such history the next day then within 20 days. They failed to deliver on this commitment and deny me of my consumer rights to verify if any of the transfers are left dormant. I no longer trust Western Union to address this issue since they claim they address my request even though I keep telling them I have never received any information. Please note that Western Union has sent unrelated emails during this period so they have the right information in their records. I conclude that they are not willing to respect my consumer rights and are retaining my information unfairly. I also find it unfair that a consumer has no transparency on past transactions either online, email or telephone. This lack of transparency and opaque systems also raise serious concerns with WU 's ability to effectively meet their Anti-Money Laundering, OFAC and BSA obligations. 

Please refer to the following WU case number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Date : XXXX XXXX, XXXX We request that our servicer, Ocwen Loan Servicing provide a detailed response in writing regarding the questions below. The XXXX and XXXX entered into an agreement dated XXXX XXXX XXXX, which were a Deed of Trust and a Note in the presence of XXXX. Per the Deed of Trust dated XXXX XXXX XXXX, this document was signed and notarized on XXXX XXXX XXXX. The notary was XXXX XXXX XXXX ; notary # XXXX expired on XXXX XXXX XXXX. Both these documents appear that the notary stamped the Note and Deed of Trust at the top right corner which states " we here by certify this is a copy '', it also has initials of the person that stamped the documents. 
First, did the notary from XXXX stamp these documents at the time the XXXX signed these documents? 
Second, if not, please provide the person name that did stamp these documents at the top right corner and initialed them! 
Third, please provide the date when these documents, Note and Deed of trust were stamped at the top right corner of each document which states, " We here by certify this is a copy ''! 
Forth, if not known, please contact XXXX and ask the questions that we are seeking. If this occurs, please ask for this response in writing and please provide us their response ( in writing )!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I DO NOT HAVE ANY SIGNED CONTRACT ( S ) WITH GLA COLLECTION COMPANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called XXXX XXXX XXXX. about a collection showing on my credit report. Found out it was in my husbands name for a medical co-pay. My name was not on debt or insurance, but they placed on my report and will not remove, even if I pay it. I looked at FCRA and believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have Price Protection on my credit card XXXX through XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I have submitted over 12+ claims this year with no problem. I submitted a claim for $ 20+ and had not received the funds, I also received a notice from my bank that one of the checks from the Price Protection was returned as unauthorized and that I would be charged a {$10.00} fee for a {$4.00} check. I called the Price Protection customer service, spoke XXXX on XX/XX/XXXX. She shared with me that I now needed to include my credit card statement showing that the charge on my receipt actually occurred as of late XX/XX/XXXX update of procedures. I had not received previous notice on this nor was it indicated when I filed my claim. She also shared that the check for {$4.00} was issued and then reversed, no explanation for it except she would look into getting my {$10.00} fee for a {$4.00} check refunded to me if I would send her a copy of the letter from my bank with a copy of the check showing that it was returned. I had not retained a copy of the claim for {$20.00} and it was no longer available for me on line. In the interim I did find that the item I purchased for the {$20.00} claim is now {$39.00} lower. I submitted my bank fee letter and the new claim for {$39.00} to XXXX 's attention per her instructions electronically in XX/XX/XXXX. I was told to given them 2-5 business days from receipt for them to process. I called onXX/XX/XXXX to determine where my refund is for bank fee and why had I not received the payment for the {$39.00}. I spoke to XXXX who advised me that my claim had gone for review and now it 's under management review, give them 5 more business days, she had no information on my bank fee reimbursement. I called today XX/XX/XXXX, spoke to XXXX who advised me nothing on my bank fee reimbursement and since it 's the weekend she does not have an update. I would need to follow-up during the business week even though they are noted as a 24 hour operation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Select Portfolio / XXXX XXXX as Trustee on be half of XXXX XXXX XXXX XXXX XXXX asset back notes are attempting to foreclose on my home with a fraudulent assignment. The assignment contains signatures of robo signers. XXXX XXXX the document control offer signed the assignment XX/XX/XXXX which after the cut off date of the trust. The pooling and servicing agreement filed with United States Securities Exchange clearly states in section 201 that all mortgages need to be conveyed 90 before the cut off date, and this assignment was conveyed 9 years later.They have obtain a fraudulent deed, and the Power of Attorney that I gave to XXXX XXXX in the barrow waive of rights is rescinded through the courts of XXXX  Co.I HAVE NOT GIVEN This Trust or XXXX XXXX rights to sign as my ATTY IN fact.
Select Portfolio has refused to modify or restructure my loan, nor have the responded to my QWR or Debt Validations. I attached what i sent to SELECT PORTFOLIO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 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: Credit inquiries on your report that you don't recognize

Complaint: I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.

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 05-01-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (KS).
Issue: Managing the loan or lease

Complaint: I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.

Company response to consumer: Closed with explanation