milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient student loan- I have ask for a lower paying option and they offer to place it in a forbearance which has caused my credit score to drop and also raise my loan higher.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please delete the following incorrect personal information that is inaccurate. 

Incorrect/Misspelled Name : XXXX XXXX XXXX Incorrect/Wrong Addresses : XXXX XXXX GA XXXX XXXX XXXX GA XXXX Incorrect Social Security Numbers : 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 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: I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. 

This complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. 

Lastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Bank of America would not grant me credit to open a credit card account - so they suggested I open a " secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a " regular '' credit card, I selected to close my " secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money " should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be " charged '' penalties? 
Bank of America has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Bank of America who can tell me what the heck is going on and assure me my money is being returned!

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 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus Transunion,  XXXX  and   XXXX   since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my Transunion report which made it seem like I had  XXXX  past due accounts instead of just  XXXX . Transunion reports originally showed as follows :   XXXX   acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XX/X/XX    XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XX    XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}  XXXX  shows both  XXXX  accts the same as Transuion but no   XXXX   XXXX   XXXX   accts.  XXXX  shows no   XXXX   accounts but the   XXXX   XXXX   XXXX   shows as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX  None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from   XXXX   XXXX   XXXX  . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  X/XX/XX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against Transunion and in doing so Transunion deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect. Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.

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 10/29/2015 about Credit card () with Colony Brands, Inc. (TX).
Issue: Closing/Cancelling account

Complaint: Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (I do not know) with RSI Enterprises, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX County Clerk Of Courts and began employment XXXX 2007 and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in 2007 I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Mortgage) with Rubin Lublin, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX and their foreclosing firm, Rubin Lublin has wrongfully collected funds from the sale of my foreclosed house. XXXX billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, XXXX billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, Rubin Lublin. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by XXXX for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with EXPERT GLOBAL SOLUTIONS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I applied to get landline from XXXX they gave number, finally i changed my mined not to have land line. They send me bill i called them it is by mistake so dont worry it is cancelled. Finally after 5 month i got a letter system service to pay {$54.00} I never connect for a seconed why do they send me a bill and send to debt collection. It bother me a lot

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (MD).
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/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 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

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 Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.

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 07/14/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called Transunion today ( X/XX/17 ) to dispute multiple inquiries on my report. I am a victim of fraud with an active fraud alert. I do not recognize some of the inquiries and there are multiple ( duplicates ) for ones I do recognize. I was not contacted by any of these companies as required. I was told I needed to reach out to the creditor. I am taken aback that I should call someone who I never did business with in the first place. Transunion is constantly experiencing technical difficulties and " glitches '' through out their systems. It is hard to believe they are at all capable of protecting or providing correct information.

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 02-03-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo Bank ( WFB ). I scheduled my mortgage payment like I do every month. I find today that two mortgage payments have been debited to my checking account and an additional one ( for 3 total ) is pending. I only authorized one payment from online bill pay at WFB from my checking account. I keep my balance at checking balance at WFB at XXXX dollar over my mortgage amount of {$1100.00}. When I talked to the banking side of WFB they said one came from bill pay and one from an auto-pay on the mortgage side. WFB bank side transfers me to WFB mortgage side. WFB mortgage claims one payment was from their bill pay service ( which is the one I authorized ), one was entered online on their mortgage site ( I did not do thsi and am unaware that this could/can be done ). WFB mortgage also claims there is no auto=pay which the WFB baking side said was there and show no pending payment ( see atatched screen shot image ). The problem is that the second payment caused an overdraft transfer from my credit card with WFB. If the third pending also hits it will generate another overdraft. This seems to be more of the shady business practices of WFB. Although I have not seen any fees associated with these over draft transfer yet I suspect I will. At any rate it seems WFB has no idea what one hand or the other is doing and just pulls explanations out of thin air. They should at least consult on what lie there going to tell a customer. I never, NEVER use auto-pay on anything. WFB can see that I have been making my mortgage payment using their bill pay service and that I keep {$100.00} in the checking account. Can you rattle their cage please?

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