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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, likely through the employment of inadequate security procedures related to the sensitivity of the information it possesses. It has demonstrated itself incapable of deploying proper security measures, through the further discovery of the use non-random pin numbers for freezing credit histories. 

I was not directly notified by the company, in spite of the fact the company possesses the contact information required to make notification. 

I must now take affirmative steps, at my own cost, to mitigate the damage caused by the negligent mishandling of my most personal financial and identity information. This is a burden on my time and my financial resources, and should not be my cost to bear. 

I encourage CFPB to take all steps necessary to require Equifax to provide credit monitoring and secure credit freezing/thawing services to me at no cost. 

In the long term, I encourage CFPB to be a more active voice in encouraging the reduction and replacement of the use of social security information in regular consumer transactions. It is well past time to decouple this information from use in minor business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: In XXXX, I applied for and was approved for a Citi XXXX XXXX Credit Card. On XXXX XXXX, 2016, I received an email reminder because I had n't yet activated my card which ended in XXXX. On XXXX XXXX, 2016 I received a second email from Citi saying they received the credit card back in the mail as returned. I own a single family house on a major road. It is XXXX XXXX XXXX. I called Citi on XXXX XXXX, 2016 and informed them of the email and that I had n't received my card. The representative told me he would send me a new card. Just to be safe for security, he would close my account and send me one with a new number, ending in XXXX. On XXXX XXXX, 2016 I called Citi as I still had not received a credit card. They told me I had permanently closed my account on the XXXX of XXXX and would not be getting any credit card. Over the course of 2 hours and 15 minutes I was transferred to 7 different representatives as they tried to reopen the account or issue a new credit card. I refused a credit check since one had just been performed in XXXX, the account was permanently closed by a Citi representative inadvertently, and it hurts my score every time a check is performed. I was unable to speak to a supervisor. Reasons given included it was outside their working hours ( no working hours listed when I asked if I could call back ), all on the phone and unable to hold for them, there are n't any supervisors, they do n't have phones. By the end of the call I was told my account would be reopen within 24-48 hours of my XXXX XXXX call. On XXXX XXXX I called in to check the status. There was no update. Again I requested to speak to a supervisor - no dice. 
On the afternoon of XXXX XXXX I received a bill in the mail for the second credit card that was never shipped for {$0.00}. I called in again and was informed that there was no status update after 9 days in regards to the account being reopened but that a supervisor had indeed reached out and called me earlier in the day. I did in fact have a missed call from an unlisted number from XXXX XXXX, no message was left, and the number does not allow call backs. The representative stated only a supervisor could reopen the account and they were doing everything they could. The representative could not place me on hold for a supervisor and could only put in a request for a supervisor to try again in a few days. How is one call without leaving any message or way to contact them back over 2 months doing everything they can?

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 10/13/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Deposits and withdrawals

Complaint: I fell behind on a car loan with USAA and the bank froze my access to my checking account. I had no idea what the balance was and it led to a number of insufficient funds charges. I saw this article this morning XXXX and after reading this article, I believe this is what USAA did to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit card protection / Debt protection

Complaint: I have a credit limit of XXXX on my chase credit card. I ca n't control my wife 's spending so I chose to carry a balance of XXXX thus limiting her spending to XXXX per month. This has been working fine, when the card reaches its limit the charge is declined and my wife stops charging until the balance is paid. I just got the latest bill and the balance is over XXXX. I called the bank to inquire how I was able to exceed my limit and their answer was that they have patterns and practices that allow clients to exceed their limits. Because of my prompt payments they allowed me to exceed my limit. If they would have sent me a letter saying that they are increasing my credit limit I would not have authorized it. Here they increased my debt ceiling without saying a word to me. How can I manage my finances when the credit limits are not enforced. To add insult to injury they said once I bring my balance below the limit they I can select to make the credit limit a hard limit. When did the limit become soft? How can they without my authorization increase my debt ceiling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Over several years of service, Wells Fargo routinely added service fees to the " youth accounts '' of my children, even though these types of accounts are supposed to be free of charge while the youth account holder is under the age of XXXX, according to Wells Fargo advertisements and service agreements. On several occasions, I went to the back to have them reverse the charges. After a period of time, service charges were added to the youth account again and when the charges depleted the account, it was closed by the bank. When I called the service line for restitution, they put me on hold for 30 minutes and told me I needed to deal with the branch office. The branch office then told me I needed to call the service line. Since the account was removed from my online banking profile I can not access the information. I understand now from the news of Wells Fargo banking practices that this was part of a scheme and not an accident on the part of the banking software as they have tried to tell 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 01/19/2016 about Debt collection (Non-federal student loan) with Cedars Business Services, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter via postal mail disputing a few inaccuarte accounts i found on my credit report after reviewing it. XXXX replied that it was a fraud dispute. I am not going back and forth with XXXX about MY CREDIT. It has been almost two months. I feel they 're LAZY and do n't want to do their job. Same goes for the other credit report agencies. I have also personally disputed these accounts with the collection agencies no response. 
1. XXXX XXXX # XXXX I have never done business with this company nor have i been contacted by this company. Please remove. 
2. XXXX XXXX XXXX XXXX XXXX I have NEVER done business with this company. 

Also XXXX XXXX is reporting late payments and I 'm sure i was NEVER late the months being reported. 

I also see a few medical bills. I am embarrassed that a collection agency has access to MY medical information. How is this even legal? Do they have a medical release form? The following accounts needs to be removed ASAP. I am not asking for a dispute but demanding removal. 
1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX CFPB I 'M SURE YOU CAN AGREE WITH ME THAT THESE COMPANIES HAVE HAD MORE THAN ENOUGH TIME TO INVESTIGATE THESE DISPUTES SO THERE SHOULD BE NO REASON FOR A " WE NEED MORE TIME RESPONSE ''

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 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Case numbers : XXXX/XXXX/XXXXI need to know why my credit score dropped dramatically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Payday loan) with EZCORP, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The debt, a payday loan, was discharged in XX/XX/XXXX in a chapter XXXX bankruptcy filing. The lady on the phone said that she was trying to head off the company filing a suit for collection in court. She called at XXXX on Friday, XX/XX/XXXX from XXXX and said she was with EZ Corp. This is approximately the 3rd collection call from since discharge in XX/XX/XXXX that I have answered the phone and the person said they were from EZ Corp. Each time this has happened they were reminded of the XX/XX/XXXX Bankruptcy filing, so they are not ignorant that they should not be contacting me about this ever. They are illegally operating outside of the bankruptcy law and bringing up debts that they can not legally collect on. They are stalking me, and collecting my personal information to harass me. I have changed my cell phone number since XX/XX/XXXX and although the number is registered on the Federal DO NOT CALL list, they apparently ignore those laws too and call. This makes me feel very unsafe and I feel like they would try to physically harm me by trying to continually locate me. Please STOP these people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Credit Acceptance, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: A few months ago i tried to open a checking account at a major bank and was denied due to record with XXXX out of XXXX, MN. I ordered a free report from them and it shows that I am on record for " ACCOUNT ABUSE '' from US Bank. 
I HAD an account with US Bank out of the XXXX, SD branch. Around XX/XX/2015, I had an issue with a potential landlord attempting to steal money from me in the form of an uncashed deposit check for an apartment i never signed a lease for. I contacted US Bank and spoke to a Personal Banker by the name of XXXX ( Last name unknown. ) I advised XXXX of the situation and he told me that my account would be closed that day. 
Few months down the line I get a letter of account closure stating i owe over {$500.00}!! in overdraft fees from other items and automatic payments coming out of the account. XXXX NEVER closed the account like he stated he would. 

Now fast foward two years I can not open an account at a major bank due to a false record on file with XXXX furnished by US Bank. This account should have been closed per my request to XXXX which should be on record at US Bank. I do not owe this {$500.00} balance on the account. I want that deleted and I want that record removed from the XXXX database. 

This is a violation of FCRA by US Bank. They are reporting account abuse on an account they should have closed!

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