milesbutler/consumer_complaints huggingface dataset:
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: Reporting company used your report improperly

Complaint: Alerted on XX/XX/XXXX that my personal information could have been affected by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving letters concerning a debt that I have asked for validation of the debt. All I get is we have verified the debt and I owe. I have sent several certified letters to the company requesting validation and I get nothing but my name and address and a statement saying its been verified without any such proof. After my final certified letter requesting validation they sent me a letter saying they are going to report this information to the credit bureaus. Yet I have not received one shred of validation that I have been requesting from them since XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Other financial service (Check cashing) with BOK FINANCIAL CORP (FL).
Issue: Customer service/Customer relations

Complaint: I have banked with Bank of Oklahoma for almost 30 years. About 10 years ago I opened a Representative Payee account for my mentally challenged daughter. I have now moved to XXXX from XXXX but my daughter chose to stay in XXXX. I pay all her bills by check or Visa debit card from XXXX. My daughter is capable of living by herself but she has issues with money. Social Security is aware of the situation as I have met with them and they have no issue with it. Last year I had some checks stolen. I called the manager of the branch I always have delt with. I spoke with the manager and he closed the account and opened a new one for me by phone. About 2 months ago I get a call for a new manager at that location. He tells my daughters account is frozen and I cant get to my daughters money to pay her bills. He said the Legal Dept says the account was set up wrong and they need proof of me being her representative payee. I told them that this account had replaced another account but they refused to even check the old account. So I faxed XXXX-XXXX different papers because they kept saying they needed more. Then the manager told me that Legal Dept questioned whether I could take care of my daughter from XXXX. I told them that is not their business. I told them that social security had no problem with it. He kept arguing with me so I was so upset at being treated like this for a long term customer. I told him I have to have access to my daughters money now. I told him to close the account and mail me a check for the monies in the account. I opened an account for her in XXXX. It two weeks to get that money. I am XXXX and on a fixed income. This has caused a hardship for me and my daughter. Ive had to try to pay her bills out of my small fixed income. The stress of all this has made my health issues get really bad. I am also in the process of switching my personal account to another bank and will be closing that account also. I have always felt Bank of Oklahoma had awesome customer service that 's why I stayed with them all these years. But obviously that is not true..

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: X/X/17- Equifax was hacked, I went to equifaxsecurity2017.com and recieved the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have put a 90 day fraud alert on my credit file with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (VA mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: I have my condo mortgage with U.S. Bank XXXX XXXX. The bank requires a certificate of insurance that covers hazard and flood. My homeowners association dues covers this cost and the HOA purchases the hazard and flood insurance annually and provides us with the certificate. Each year, U.S. Bank places a forced flood policy on the property which is about 4 times the cost of what I could purchase separately, and once I provide the certificate of insurance, they refund the full amount of the insurance. This year I have twice sent them the copies of the insurance certificate, but they continue to insist that it does not cover my property for flood although on the second page it clearly states on page 2 that  FLOOD is covered with the specific sufficient amounts. This morning ( XXXX XXXX XXXX ) I spoke with XXXX XXXX, a senior customer service representative, and she again reiterated that they had no record of flood insurance. I am faxing the certificate to them a third time, and I am requesting that they refund the {$1000.00} they placed against my mortgage. Our condo association is very aware of this practice by banks, and it appears the banks are simply relying on customers to ignore the additional charges and be over insured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: XXXX, illicit and illegal direct deposit of monies. 
XXXX XXXX XXXX Ohio XXXX ( XXXX XXXX Illinois XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Coinbase had not provided me with the appropriate funds owned by me in bitcoin cash ( BCC ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (IN).
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: TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH PNC MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM PNC TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM PNC MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (VA mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: The underwriter for our mortgage through Citizens Bank, XXXX XXXX, has deliberately been delaying our mortgage process. The mortgage application was begun in XXXX 2015. It is now XXXX 2015, and we still have received the clear-to-close from the bank. 
In XXXX 2015, XXXX XXXX finally informed us that there is a termite inspection requirement. She also made a false statement saying that the inspection can not be paid for by the veteran ( myself ) applying for the loan. This is in direct contradiction to federal law ( See XXXX XXXX XXXX ). After informing her of this law, she continued to insist that the veteran can not pay for it. 
Furthermore, XXXX XXXX waited until XXXX XXXX, 2015, to request the results of the water test, which was performed on XXXX XXXX, 2015, which were also forwarded to her at that time. The test consisted of XXXX XXXX and coliform. XXXX XXXX then requested that nitrites, nitrates, and lead be included in the test, again falsely claiming that this was required by the VA. I spoke with XXXX XXXX at the VA Home Loan Center, who confirmed that this is not a requirement by the VA. After informing XXXX XXXX that I spoke with the VA, she redacted her requirement. 
XXXX XXXX then requested a structural inspection of the property, once again falsely claiming it is a VA requirement. And once again, XXXX XXXX at the VA Home Loan Center confirmed that this was not required by the VA. After again returning to XXXX XXXX , she then changed her story and stated that the structural inspection is a requirement of Citizens Bank . I asked her why she did not inform us of this inspection at the beginning of the process, 3 months ago, and she did not produce a response. 
In the beginning of the mortgage process, Citizens Bank informed me we would close on our property in XXXX. I correspondingly made arrangements for my new employer to begin employment at that time. Since we still have not closed on our house, I have been driving XXXX miles a day between XXXX and XXXX County, paying tolls each way. We sold our apartment in XXXX, but since we could not move into our new house, the buyers of our apartment allowed us to continue dwelling there. They finally could not tolerate the delay any longer, and I am now living under my desk in my office, and my wife is living on a couch in XXXX. All of our belongings are in a temporary storage unit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wakefield and associates keeps calling everyday at least 10 times a day repeatedly, and I have told them to stop contacting me because my hours of work are   XXXX   XXXX   to   XXXX   XXXX   and when I get off of work it is inconvenient for me to get a call so late at night.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed multiple inquries on my credit report with all XXXX bureaus ( Equifax, XXXX & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with Southwest Business Corporation (LA).
Issue: Trouble during payment process

Complaint: In XXXX of 2016, my home was flooded in the Louisiana Flood. I have flood insurance. A claim was made to the flood insurance company and a claim was paid. The claim check was made payable to myself and my mortgage company. I contacted my mortgage company to inform them of the damage and of the insurance payment. I also worked with the mortgage company because I intended to self perform the repair work on the house. The mortgage company requested a letter of qualification that i was capable of performing the work and also requested that they be allowed to perform inspections. A letter of qualification was sent, I was approved to self perform, I completed the work on the house utilizing my personal savings account funds. Mortgage company was contacted and an inspection was performed that stated the house was complete. I also turned in receipts for materials spent. To date, the mortgage company will not release my insurance payment to me. It is sitting in an escrow account. Every time i contact them, they give me a different story. I have done everything requested of them and spent my savings to repair my house and they will not release my money. Please help!!!

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere arou nd 2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the Department of Education is not. Please remove all accounts from my credit  report immediately. Thanks.

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 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: this is about the  Equifax  security breach.  I followed their  online instructions to sign up for the  credit monitoring and  received the email below promising a link within a few days to confirm.    This is now  six days later and there has been no further email from  Equifax.  Their  email did not end up in my spam,  which i check regularly.      I will attempt to re-register with the  Equifax  website about this;  my understanding is that attempting to call them results in prolonged times on hold,  so i likely won't  attempt that right now.   Given that their offered credit monitoring only lasts for one year,  and that my confidential info now is likely gone for sale for my lifetime,  i'm not certain how much good all this will do anyway.

Equifax security breach: have to get this email with link, might take several days 
Inbox
XXXX XXXX XXXX 
XX/XX/XXXX (6 days ago)

to me 
We have successfully received and are processing your information.

Next Step

You will receive an email with a link to finalize your enrollment and activate your product. Please be patient. Due to the high volume of requests, emails may be delayed. If you have not received your email within a few days, please check your spam and junk folders.

Thank you again; we appreciate your patience!

Company response to consumer: Closed with explanation