milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Billing disputes

Complaint: I had set up automatic payments with USAA to get my account caught up. After payment arrangements had been made I had the ability to pay off my credit card account, of which I did. I had called to stop the automatic payments ; however, they did n't stop. USAA is claiming I owe them for the NSF fees and automatic payments that did n't go through, even though the credit card had been paid off and had a balance of {$0.00}. After speaking with the dispute resolution team and providing the documentation of payoff, the representative I spoke with still insisted to not listen to what I was trying to say. To say that I had tried to stop automatic payments and tell me that the account rightfully had a balance, even if the card had been paid off and payments on an account that had a {$0.00} balance had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.

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 09/15/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage bought my loan two years ago. I have always had my home owners and flood insurance paid on my loan. when the renewals were up, they paid my premiums with out any notification to me. Rejected my Flood Insurance from XXXX stating " It did n't meet there level of coverage for the home '' Now my payment went up {$400.00}. When I call them to question them about this I am put on hold at least 35min. Then once I do talk to a rep, they give me the run-around, and misinformation. They accepted then rejected a flood policy sent from Nation-Wide insurance which insured the home for the value of the building. To add insult to injury, I received an initial letter from them stating that any payment that had been sent to XXXX XXXX XXXX ( Previous Mortgage holder ) will be credited to my new account with NationStar. It was not credited and they deny receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They sent me a random email regarding a debt that i had never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request  that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.

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 Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (VA mortgage) with MIDFIRST BANK (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.

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 05/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with Hatfield Portfolio Group LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassing family members asking for my social security number and threatening to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: I was tricked into being hired by this work from home company. They called themselves XXXX. The contact I dealt with was named XXXX XXXX, which is probably a fake name. They he told me they would pay for the expenses for me to start. A couple days later i received a check. I deposited the check which was addressed from another company ( XXXX, and XXXX ), and under instructions by my contact with this fake company I withdrew about XXXX dollars and transferred it to this other person. This is a scheme and they took advantage of someone who needed a job. I want to know if i can retrieve this money back to pay back then bank when the check does not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with IBERIABANK (LA).
Issue: Deposits and withdrawals

Complaint: I am with Iberia Bank. My branch location is the XXXX XXXX XXXX. I set up a " push '' draft with Iberia for direct deposit to my landlords account with XXXX XXXX. In XX/XX/XXXX I called to find out why the draft had not occurred. XXXX XXXX in customer service told me that the draft rules had changed. The new protocol for bank drafts would allow only XXXX draft attempt, and if the money was not available at that time, then the draft could not be processed. 
I told XXXX on the phone that I did not want to use the service any longer. I continued to handle my payments monthly. On XXXX XXXX, 2016 {$5800.00} was drafted by Iberia Bank from my personal bank account and supposedly deposited to XXXX XXXX 's bank account. She is my landlord. 
XXXX XXXX contacted my landlord, XXXX XXXX, and explained the situation, and asked her if she would mind reimbursing me for the XXXX deposits of {$1900.00} each. 
XXXX was very apologetic and said that Iberia Bank ( powers that be ) changed the rules, and he did not know anything about a " rule change. '' He apologized profusely and said that he was willing to do whatever he could, and would be happy to pick up a check from XXXX XXXX himself. 
XXXX checked her bank account and could only see XXXX deposits, not XXXX. 
My personal account at Iberia still shows that I am overdrawn for {$1900.00}. XXXX XXXX said that there is nothing he can do about it! 
The powers that be, told XXXX that they could not do anything to return my money because the money had already deposited into her account. I Today I remain overdrawn for {$1900.00}. XXXX XXXX confirmed this morning that the money is not in her account. Can you help me? Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' 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 06/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Almost five years ago I was forced to file a chapter XXXX bankruptcy after years of battling with our health insurance and XXXX bills from my wife. She had a XXXX that caused her several complications and XXXX issues that continue to date. When I filed bankruptcy we met with a attorney and explained we would like to stay in our home and he suggested we try to modify with our lender to make our payment within our budget. We requested a modification and it was done around the same time as our bk filing. Our mortgage is with Nationstar Mortgage and we have had the worst experiences with them. When we initially refinanced with them we were told we could refinance into a lower rate/payment a year after we signed on our high and adjustable rate. We called them in a year our loan officer was no longer working there and they were not FHA approved so we could n't get out of the loan we had. I requested a payoff a couple weeks ago and it shows we owe over {$250000.00} with {$50000.00} in misc fees.

Company response to consumer: Closed with explanation