milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 07/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit line increase/decrease

Complaint: My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Bank of America. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Bank of America card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Bank of America immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Bank of America stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: I am enclosing the letter to the Attorney General 's Office. 

I am facing a hiring fraud and credit card fraud because Wells Fargo allows their accounts to reverse payments weeks after payment was received and spent again. I was paid through XXXX Wells Fargo accounts and the funds were put into my credit cards, but they were taken away again ... leaving me with a massive debt. I went to the local Wells Fargo branch to see what could be done, but they would n't help because the I was not permitted to see the XXXX accounts. 

I was scammed by XXXX XXXX XXXX if that is her name XXXX and XXXX Systems XXXX if that is truly the company name. I was told that I was hired as a buyer, but for the first few weeks I had to use my credit line to make purchases ... supposedly until the corporate credit card was ready for me. Payments were made to me in advance by following this procedure:1 ) Take a credit card with a balance and pay that off with XXXX funds. 
2 ) Ring up new charges on that card for XXXX purchases to the amount XXXX provided. 
3 ) Repeat 1 and 2. 

Needless to say, the job was n't real. The paycheck and benefits package never came. The payments to my credit cards were recalled with stop payment orders, so that the payments I had made were canceled. My XXXX card alone could cost me {$50000.00} in XXXX purchases. 

Wells Fargo enabled this kind of fraud by allowing the payments to be reversed long after they were approved. This gave the scammers a few weeks to build up my confidence, and then to hit me hard with massive reversals, all the while taking the value of the purchases I had made for them. The XXXX XXXX accounts at Wells Fargo must be showing frequent payments and reversals, and the way banks monitor their accounts these days, they must have known that this was unusual behavior, possibly criminal. 

I need to be protected as an innocent victim from this massive fraud. I also need to know that this can not be done again. Please tell me what can be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: I was scammed by a company recruiter into sending someone {$800.00}. I was given a counterfeit cashier 's check to put into my bank which I did. After sending a vendor for that company {$800.00} for work equipment fees, the counterfeit cashier 's check bounced and as a result I 'm not at a loss of {$800.00}. I contacted MoneyGram, the money transfer service utilized in the transaction to see what they can tell me about the receiver but they stated they would not help me and did not give me a concrete reason as to why they would n't help me. That is why I am complaining about them here. I do not know if they are in conjunction with the scammers or what the situation is but their unwillingness to help their customer ( me ) is shocking and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: My XXXX/XXXX/XXXX statement from Macy 's credit card indicated that my New Balance due was {$280.00} and this was due by XXXX/XXXX/XXXX. I paid the entire New Balance on XXXX/XXXX/XXXX. I was issued another statement on XXXX/XXXX/XXXX. This statement indicated that I was charged interest of {$4.00} ; however, I paid the previous balance in full before the due date. On the second page of my credit card bill for XXXX/XXXX/XXXX, the second sentence under " How to avoid paying interest on purchases '' explicitly says " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' While this may not seem like a lot of money, I realized that this has happened to me in the past with the Macy 's credit card. Additionally, it makes me think that they are doing this to all of their customers. I have never had a credit card that still charges interest after I have paid the balance in full and on time. 

I called Macy 's and was explained that because I had a previous balance from my XXXX/XXXX/XXXX statement of {$91.00}, in which I was charged interest of {$2.00} in the XXXX/XXXX/XXXX statement, I was charged interest of {$4.00} in my XXXX/XXXX/XXXX statement. Their explanation to this interest charge was based on a note indicated in their XXXX/XXXX/XXXX statement. It is a long, difficult to follow note that I would be happy to supply upon request. Regardless, I am not familiar with consumer credit rules ; however, as stated previously, I am concerned that a credit card company is charging interest after balances are paid in full and on time, as this is something that I have not experienced with other creditors. 

I did not become aware of this extra interest fee until my XXXX/XXXX/XXXX statement arrived and the balance was {$6.00}. When I called Macy 's they indicated that this amount would be credited back to me, and the new balance would be XXXX dollars. While this issue was resolved, I still feel that it is something that warrants additionally concerns since this is likely happening to thousands of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am on of the people that was affected by Navy 's Improper Debt Collection which has affected my credit since it was done. I have called on a regular basis to see when Navy was going to pay me and fix the problem and have not received any satisfaction. It has been two years since you ordered Navy to pay and they have not done anything. Request that CFPB look back into the what Navy is doing and why they are dragging their feet in giving its customers relief. " CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Made XXXX calls wo n't answer keeps saying no one is available and all mailboxes are full. We have not been able to speak to ANYONE since they took over loan. Making XXXX calls and not able to get through on XXXX seperate phone numbers is not good faith business

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached due to negligence, I never authorized my information to Equifax as I do not have a contract with them. It took 46 days my information has been exposed and is now vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (VA).
Issue: Credit decision / Underwriting

Complaint: Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They sent me a letter saying i owe a debt for a cell phone. i sent them a letter telling them to verify debt with signature, they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # 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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Payday loan) with Zenith Financial Network Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, 2017, I wrote a letter to XXXX XXXX requesting Hardship Assistance, as their website indicates their concern and wanting to help their customers who were experiencing financial problems and/or foreclosure prevention. I received documents on XXXX XXXX, which was completed and mailed along with the required supporting documents to XXXX XXXX Hardship Assistance Dept. on XXXX XXXX, 2017. Part of the supporting documents submitted was a letter of explanation regarding my situation, and expressing my desire to keep the property, which is my PRIMARY RESIDENCE, and where I have been operating my home-based business-even since the initial loan was granted by XXXX XXXX. This plus the fact that the total mortgage payment on this residence is set to increase from {$4500.00} to {$6000.00}, beginning XXXX 2017 ; and finally, I pointed out that with the breakdown of marriage, I was now a self-supporting WOMAN, solely responsible for making mortgage payment with the submission of Quit Claim deed & Settlement Agreement. Letter dated XXXX XXXX, 2017 was received from XXXX XXXX stating that the only help they can provide was a Short Sale or Deed in Lieu of Foreclosure - what kind of help is that? XXXX XXXX seems to want to get the property and my livelihood as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to get calls for a person not living in the house. The message says " This call is for XXXX. If you are not XXXX do not listen. '' I stop listening but the calls have continued for at least five months, several times a week. Can not get them to stop calling. I finally listened all the way through so I could get the name of the company : Lustig , Glaser & Wilson

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 05/20/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CA).
Issue: Managing the loan or lease

Complaint: This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from this company direct recovery services that I have never had any dealings with nor they do say what they're calling about. I never answer these calls and I would like them to stop, they can only contact me via mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation