milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 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 leaked personal and financial information on hundreds of millions of Americans. I am one of them - the Equifax website confirmed my info was leaked. 

As someone in the XXXX XXXX field, the only explanation for this is gross incompetence. It should not be possible for a leak of this magnitude to take place. 

There should be a full investigation with civil and criminal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.

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 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account has a credit limit of {$64000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly that this account 's date of first delinquency is XXXX/XXXX/2009. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 01/28/2017 about Debt collection (Medical) with TSC Accounts Receivable Solutions (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX XXXX University and XXXX XXXX College. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if XXXX XXXX falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

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 10-02-2015 about Debt collection (I do not know) with American Collections Enterprise, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me, then asked me to give my phone number so they could identify me. I refused, since they called my number they should know what it is. It seemed to be about debt collection, but I have no unpaid or overdue debts. Now I get a call from the same number at least once per day, but no one is on the line when I pick up. THe phone number they are calling from is XXXX

Company public response: Company chooses not to provide a public response
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. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax did not properly protect my personal information and it has been breached by a hacker/unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Payoff process

Complaint: After finishing school and relocating, we became a few months behind on our statements with CareCredit/GE Capital Bank due to unemployment. Ultimately, we were past due over {$500.00}. Once stabilized financially, we contacted them several times to work out a payment plan because paying over {$500.00} was too much for us, but we stated to them several times that we were willing to pay back what we owed in smaller more reasonable amounts. They have refused to help us and insisted that we pay back the past due amount immediately. Even after talking to one of their financing specialists, they still stated they were unable to work with us and only referred us to a credit counseling agency. Until then, they told us they would continue to add late charges and interest for missing payments. We feel this is unfair, we have contacted them several times in attempts to make more manageable payments, while they refuse to assist us and continue to increase our past due amount that we are already having trouble paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with CURO Intermediate Holdings (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all XXXX Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.

Company response to consumer: Closed
Consumer complaint received 06/26/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Bank Of America, credit card. interest rate was 31 % and monthly payment was {$700.00} per month. Years of XXXX to XXXX I was strangling with personal financial situations, I work on commission and little money I was producing was just enough to eat and pay some bills. In XXXX XXXX I called Bank of America a few times asking to please reduce my payment to {$250.00} x month until I 'll recovered into a better financial. Instead of received help, the bank sent my account to Charge Off Account. 
On XXXX Bank Of America reported Charge Off Account to the credit Burrows, and stop sending me monthly bills statements and phone calls. On XXXX XXXX the bank started to report every month late payment to this date XXXX. 
After account is reported as Charge Off, can the creditor report late payments to the Burrows? these late payments is horrible damaging my fico scores.

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 09/13/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Our alleged servicer/collector either purchased or had a debt transferred to them from Bank of America N.A on or about XX/XX/XXXX. XXXX has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times XX/XX/XXXX and 2 times XX/XX/XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation XX/XX/XXXX to intimidate and harass us. XXXX refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company XXXX XXXX XXXX have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.

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 10/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Application, originator, mortgage broker

Complaint: in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a security freeze place on my credit file. I have asked for my freeze to be lifted and every time I call to speak to agent Im being transferred to the Office of Consumer Affairs. I ask the office of consumer affairs to lift my credit freeze and I 'm rudely talked to and hung up on each and every time I call in. They continue to discriminate me and mistreat me. I have now been hung up on 3 times on XX/XX/2016 by a rep in the office of consumer affairs named XXXX XXXX. She is extremely rude and talks to me in a disrespectful unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.

Company response to consumer: Closed
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 allowed unknown persons to access my DOB, SSN, name, address, drivers license number and private credit report information. They did not protect this information to the best of their ability. I have now had to shell out {$30.00} to freeze my credit with 3 credit bureaus and pray to XXXX that hackers are not fraudulently using my information that Equifax did not protect.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with ERC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Savings account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: A hold was placed on my saving account ( XXXX ) because my institution said I was making more than XXXX transfers a month. XXXX, XXXX XXXX, 2015 I was stranded in XXXX NC with no idea what was going on. When I was finally able to get speak to someone. I was informed I am being penalized or punished because I have made to many transfers. First, I never knew it was wrong to use money I work hard for. Second, because the bank put a hold on my account, and closed off my savings as my overdraft account, they caused my checking to have NSF. Then they charged me NSF fees for something they did. How do you penalize, and steal from hard working people who need their money. I can see if the money was n't in my accounts, but to do intentional damage to your client ; and, then penalize them for your actions in wrong. I pay my bills online, because I work long hours ; and, to be told you ca n't get any money via the ATM, and you ca n't use your ATM card is wrong. I work hours that exceed normal bank hours ; and, it 's wrong to penalize hard working, law abiding citizens ; and, then justify stealing their money because of a hold you placed on them. I have money in my account, and I want my money back for those NSF fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and XXXX has reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!

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 07/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Withing the last five days, my EQUIFAX credit scores dropped by over XXXX points in one fell swoop. I monitor all XXXX credit reporting bureaus via XXXX and other services. Neither XXXX or XXXX registered such a radical downgrading. I called EQUIFAX and spoke to an overseas representative who simply read old negative data entries without being willing to specifically share with this consumer what specific new item actually correlated to the double digit drop. In the past, I had to struggle with EQUIFAX over similar behavior. In every instance, they refused to go over the cause of any adverse action. This is unfair, arbitrary, and counter to consumer protection rules. I want the score restored.

Company response to consumer: Closed with explanation