milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me 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 breach 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 12-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with Silvermine Ventures, LLC (NY).
Issue: Settlement process and costs

Complaint: I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?

Company response to consumer: Untimely response
Consumer complaint received 07-12-2016 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? 
Please help/

Company response to consumer: Untimely response
Consumer complaint received 06/27/2017 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: In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

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 01/30/2016 about Consumer Loan (Vehicle loan) with GFS II, LLC (OH).
Issue: Shopping for a loan or lease

Complaint: XXXX credit report deleted my car loan completely and it destroyed my credit i am still paying on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with EQUIFAX, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am submitting a complaint against Equifax because the company failed to correct the wrong information on my credit file despite the fact that submitting a police report that proves that I am a victim of identity theft. Unlike the other two credit bureaus, Equifax insists on keeping false information on my credit report which is not legal. Equifax is violating the rules and the regulations of the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with LTD Financial Services, LP (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inaccurate info on report. Called and talked with no help and rude customer service. Ready to close on a loan and now income/debt is a problem because this popped up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

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 06/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company began calling my number approximately XXXX 2016. I have continuously asked they remove my number from their contact list, as the person they are looking for does not live here. They insist on calling, at least 4-5 times per day even though the number is on the " Do Not Call '' registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.

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 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is pa st the seven yea rs that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.

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 09-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TN).
Issue: Money was not available when promised

Complaint: I sent {$10000.00} to Coinbase from my XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX, XXXX. Federal Wire Reference #  XXXX They relayed the " name did not match my account '' - my name is XXXX XXXX. 

Ok, that 's understandable. They said they 're wiring the $ back to my account on XX/XX/XXXX. It 's now XX/XX/XXXX & I have yet to see it. Wire transfers are instant, there is no excuse.
To add insult to injury, I wired another {$10000.00} to from my personal account to them last night & my bank confirmed they received. They have yet to receive. It is XX/XX/XXXX.
Fed Wire Reference # XXXX They advertise it as being " instant '' funding. What a joke. So disappointed, where is my XXXX COINBASE!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.

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 03/26/2015 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b y the Barclay Card USA o n  XXXX   XXXX ,  XXXX . They  ( Barclay Card USA ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with Barclay Card USA management, they keep insisting that " customers are not told that  their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say  YES  to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      Barclay Card has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILL EGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  Barclay  Card must be addressed as the rep on the phone on  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  XXXX  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  Barclay Card USA repe atedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month  ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card b y Barclay Card USA  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple  XXXX  dollar credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX  only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a  problem. Please help me fix this and get all 3 of these off my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collections Acquisition Company, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation