milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: This complaint is in regards to Mr. Cooper mortgage company previously known as Nationstar. 
I cosign the loan for my daughter which is why I was also responsible for the payments. My husband passed away and my daughter divorced which made it difficult for us to pay the loan for the house. Several times we attempted to negotiate a sale for the house and when we asked for the final pay off the mortgage company would take their time and prolong the pay off into the next month. This added additional costs and we would lose our buyers. This happened three times. Recently we asked for a payoff and it was good until XXXX XXXX of XXXX. We closed on the house on XXXX XXXX of XXXX. The title company dispersed the amount requested by Mr. Cooper on XXXX XXXX, XXXX. And employee at Mr. Cooper signed for the registered letter on XXXX XXXX, XXXX. To my knowledge everything was paid and I no longer had to deal with the mortgage company. On XXXX XXXX I received a call from Mr. Cooper and was told that the amount for the payoff was not enough and that on XXXX XXXX, XXXX Mr. Cooper had added on more interest and that I owed another {$330.00}. And since it was XXXX XXXX it was already past due and I would have to get a new pay off and that would take us into XXXX XXXX where I would end up paying thousands of dollars more. I immediately paid the {$330.00} to stop further assessments. I contacted the title company and was told that they should not be allowed to add on any more money since we paid it off in full as they requested. When I called the mortgage company back to let them know they proceeded to tell me that I owed more than {$330.00} and that there was another XXXX dollars due to pay. I sent them the return receipt and a copy of the payoff that I had. Today On XXXX XXXX I was told that because I paid the XXXX that the loan was paid in full. And I did n't know the extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with CITIBANK, N.A. (PR).
Issue: Other

Complaint: I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a letter on XXXX/XXXX/2017 from XXXXnited Collection Bureau Inc. regarding a debt collection. Sent United Collection Bureau IncXXXX a letter on XXXX/XXXX/2017 requesting their Texas XXXX XXXX XXXX and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/2017 with account statements from the original creditor but failed to provide their Texas XXXX XXXX per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202.
Regardless of the validation requirement not being met, United Collection Bureau has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong to me.

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 04/28/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Macy 's  DSNB /Citibank refu ses to honor a settlement they made via their collection agency,  XXXX   XXXX .   XXXX   XXXX   accepted a settlement of {$580.00} as full and final settlement on behalf of their client,  Macy 's  DSNB /Citibank  on   XXXX   XXXX   XXXX    . To this da te Macy 's ref uses to write off the difference thereby directly disregarding the settlement that was made. On multiple occasions I have contacted  Macy 's   DSNB /Citibank in which cases the rep had to m ake 3-way call s with me to   XXXX   XXXX   to confirm the account has been settled. On  XXXX  I placed a call to  Macy's/Citibank R ecovery at  XXXX  and I spoke to a rep who made  a 3-way call  with   XXXX   XXXX  . The result of this call was that   XXXX   XXXX   needed to forward documents t o Macy 's  of the settlement. I was advised to wait  1 week for  an update. This call took  49minutes  of my time. On   XXXX   I placed a call again to  Macy's/Citibank rec overy an d again  spoke to a rep who had to  3-way call to    XXXX   XXXX   because   XXXX   XXXX   had not gotten around to sendin g Macy 's DSNB/Citibank the information. I   faxed a copy of the account settled and paid letter to  Macy 's and t he rep concluded that this should be resolved by the next week. This call took 31minutes of my time. On  XXXX  I call once again and now  Macy 's DSNB/Citibank ha s no idea what I am talking about and that it is my responsibility to send them the settlement offer and letter to show that I settled the account. I advised that multiple times I had sent in the letters and multiple times I had called in to check on the status. The supervisor apparently could not be bothered to come to the phone and the rep rudely advised that they are not going to do anything until I waste more of my time getting more documents that they need from  XXXX   XXXX . I am sorry but  Macy 's DS NB/Citibank if you hire a collection agency to collect a debt for you then you need to be in control of what they are doing, you are responsible for the updating of your records and the accurate reporting of my credit file. As such they have violated multiple consumer protection laws including the FDCPA ( attempting to collect a d ebt that has been settled ), the FCRA (  reporting me late after the account has been settled ) and just overall terrible customer service.

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 11/14/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Transaction issue

Complaint: we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore.

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

Complaint: Equifax handled my data poorly and leaked it by having poor security. I verified this via their website : https : //www.equifaxsecurity2017.com

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: Bank of America was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Bank of America 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint today because my request to Experian have been ignored. Since XXXX XXXX, I have submitted multiple requests to Experian to provide me with documents that they have on file that was used to authenticate and verify the account showing as negative on my Experian Report and I have not yet received the verification I requested. On XXXX XXXX, XXXX I sent a certified letter requesting Experian to supply the verification process, including the name of the person they spoke with. After not being supplied the information I requested, I again sent another letter on XXXX XXXX, XXXX. I did not receive the information requested from the XXXX XXXX letter either. In addition, I have sent a letter to XXXX XXXX XXXX and have n't received the information requested from them either. Under Section ( 5 ) ( A ) ( i ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy. Please help me resolve this matter and have this account removed from my Experian report 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 02/27/2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 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: Account information incorrect

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorde d and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributin g them  to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me w ith a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly 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 explanation