milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to several times to get said item removed from my report. The account is Fraud and each time i talk to the bank all they can tell me is it in the fraud dept. someone will call me but no one every calls. so how is it that equifax was able to verify it but I never get through. Someone at XXXX us my information to get a loan and they know it. I am asking that they please remove said item. Must I remind them of the case XXXX v. Equifax Information Services , LLC, Case. No. XXXX. I am prepared to take this to court I have all my notes and each person I have talk to there. My next move will be to file in court. All I ask is to remove said item XXXX account # XXXX this is my last attempt to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (SC).
Issue: Making/receiving payments, sending money

Complaint: In early XXXX 2016, I sold a XXXX XXXX handbag through eBay to XXXX XXXX. The handbag was listed with photos and a description from XXXX XXXX and was final sale. XXXX XXXX requested a refund through eBay on XXXX/XXXX/16 -- a full 17-days after the bag was delivered -- stating that it was defective and " missing pieces '' because it did not have a magnetic clasp. The photos in the listing show that the bag has a zippered clasp, not magnetic ; as such, I explained that the item is not defective. I requested for eBay to intervene -- they have a 30-day money back guarantee for buyers if an item is not as described -- and they closed the case in my favor. 
On XXXX/XXXX/16, PayPal contacted me stating that XXXX XXXX had opened another claim, again alleging that the item was " damaged or defective '' and/or " not as described. '' For a second time, I uploaded the information supplied to eBay to PayPal. On XXXX/XXXX/16, PayPal closed the case, ruling that I did not follow their seller policy for protection. XXXX XXXX has retained the handbag and I was assessed the original purchase price of {$390.00} plus a fee for the dispute of approximately {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Delinquent account

Complaint: While making dinner on XXXX XXXX 2016, I received a call from BOA reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has placed a collection account on Transunion report for XXXX, for what I have no clue. I disputed it with XXXX and XXXX emailed me to apologize. I sent the deleted record to Transunion and instead of deleting Transunion updated the item to stay on my report until XX/XX/XXXX! This is not my bill! SEE BELOW 

On Tue, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX XXXX:
 
Your inquiry filed with the Better Business Bureau was forwarded to XXXX Executive & Regulatory Services, and I have been asked to address your account in collections issue. Please accept my apology for any inconvenience you may have experienced. the item has been deleted.
 
Unfortunately, I was unable to reach you at (XXXX) XXXX; however, I look forward to speaking with you to discuss this matter in detail.
At your earliest convenience, please contact me toll-free at, XXXX, ext. XXXX. I am available Monday Tuesday, Thursday and  Friday; between XXXX XXXX and XXXX XXXX Central Time. Please reference case XXXX.
Sincerely,
 
XXXX XXXX
Executive Analyst| Executive & Regulatory Services

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 05-02-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?

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 08/25/2017 about Debt collection (Other debt) with United Debt Holdings, LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Today I was called on my cell phone twice by a woman named XXXX XXXX. This lady tells me she is calling me about a claim she wants to serve. I asked her what she was talking about and she said she just wanted to verify my address so she can come confront me. I hung up to call the police as I felt threatened. She then calls my job and tells my employee ( I 'm a XXXX XXXX ) that there is a claim that I have outstanding and she wants to verify the address. I called the number they left. They literally refused to give any information about themselves except to say they are XXXX XXXX. They flat out said they are not a collection agency. They refused an address ( physical or post office box ). They refused any information about corporate. They said XXXX is a " locator '' but they do n't know for which company. I finally figured out what the call is for. It 's a collection agency over a loan I forgot to pay on. I called the original creditor. They said all United Debt Holders ( a collection agency ) at XXXX. I called there. They stated that XXXX XXXX is in fact a collection agency. I advised them they violated the FDCPA and I 'm filing a complaint. 

I will pay this bill but I wo n't give out my financial details to someone who refuses to provide me any verifying details. I want them disciplined for their illegal actions. Then, I will pay this debt.

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 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: To Whom It May Concern : I have had an ongoing issue with American Express dispute resolution. Back in XXXX I purchased XXXX pairs of shoes from XXXX for {$1500.00}, XXXX. None of the shoes fit, so it was returned right away back to XXXX as described in instructions. The items were sent to : XXXX Returns Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. I sent them first time by XXXX ; Mon XXXX/XXXX/2016 Tracking # XXXX. They returned without saying anything. I then thought it was a mistake, sent it back again by XXXX overnight, Wed XXXX/XXXX/2016 Tracking # XXXX. Few weeks later, it was returned again. And one more : Tue XXXX/XXXX/2016 Tracking # XXXX. Then I got the items back, and I contacted American Express via the chat system asking what shall I do - I have useless shoes and the XXXX is playing games. The customer service reassured that they have no problems to resolve such cases, saying " they have no reason to disappoint me ''. I was instructed not to send anything to XXXX, and if anything is needed I will receive further instructions from the dispute department. 20 days later - the case is denied, saying I have the merchandise and I am not entitled to refund because of that. So I sent the merchandise back to XXXX one more time : Wed XXXX/XXXX/2016 Tracking # XXXX. No return was received. So first case was denied, because XXXX says " items were returned/not authentic ''. I then reopened the case, saying it was returned and accepted. So the case was reopened, I got a letter from Amex asking for a proof of return, they got it, wasted another XXXX3 weeks, and denied the case, saying its not my problem. 

At this point, I have no shoes, I have to pay to American Express, they do n't let me talk to investigator, saying that they are not even in the US and they do n't have phone numbers. 

To me it looks like American Express has illegal deals with big stores, which results in denial of all claims as long as it is not fraud. American Express suggested to file me a fraud claim if I want to " have a different outcome ''. 

Please investigate the whole issue, and help me to get the proper resolution in this case. I will be filing more complaints with other agencies and probably social media/news outlets to let others know how American Express is operating. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: APR or interest rate

Complaint: PLAN BY WELLS FARGO TO KEEP CONSUMER IN DEBT I have a credit card with Wells Fargo bank, the interest rate was 10.00 % for the first few years and suddenly about 7 years ago, wells fargo almost double the interest rate, they raised it to 18.60 %. Since these years, I have called bank hundreds of times, wrote complaint letters requesting for reduction of the interest rate and every time my request was denied and they told me that they are not able to reduce the interest rate. After many complaints for many years, they referred me to their executive office, I sent another letter of complaint and requested for the reduction of the interest rate, someone called me from the executive office and again, denied the request. I requested that they should let me know the reason why this request has continually been denied, so that I can work to correct whatever the issue is, but the representative said she will not disclose the reason why my rate could not be reduced. 
In the meantime, Wells fargo has doubled the credit card spending limit by increasing the spending limit on my credit card, within a span of 3 years, the bank increased the credit limit from {$7500.00} to the current credit limit of {$14000.00}, in all of these increases, there was no time that I called to request for any credit limit increase, wells fargo has increased this amount without me asking for it. In my complaint, I told the representative that if my account qualified for credit limit increase, that it should also be qualified for interest rate reduction, but they denied it. 
There may be other card holders who are being subjected to this same plan by the bank to keep card holders in perpetually in financial debt, this is a plan by the bank designed to keep people in debt.

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 10-12-2017 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: Information belongs to someone else

Complaint: I 'm need somebody.help me.please my

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.

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 03/19/2016 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my identity stolen several years ago, this includes credit card accounts, social security cards, id 's, medical collections, insurance, auto loans, and more. I have contacted each agency that owns each of these fraudulent debts, provided them with proper documentation, police reports and things of that nature. Numerous dispute attempts have rendered useless, and now the company refuses to accept any disputes from me as they have deemed " frivolous ''. These debts do not meet FCRA or FDCPA standards. I am attaching XXXX police reports, an original and another updated XXXX to show this has been ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with U.S. BANCORP (OH).
Issue: Closing/Cancelling account

Complaint: On XX/XX/XXXX, U.S. Bank Card Services decided to close my credit card account with a limit of {$22000.00} that I have had since XX/XX/XXXX. In a letter dated XX/XX/XXXX, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all XXXX of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the XXXX XXXX XXXX and XXXX data breaches since I am a federal employee and that it would cost me a total of {$30.00} to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my XXXX Credit score was in the XXXX range and now has dropped to XXXX based on the AdvantageScore from XXXX XXXX. In addition, the length of my credit history went down from good to poor due to U.S. Bank closing my credit card account. In addition, both my XXXX and XXXX credit reports remark that the account was closed by myself, when that was not the case. While I admit that I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My XXXX and XXXX scores are in the XXXX FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: Myself along with thousands of other people have not received our direct deposits and even if there are funds on your card we do n't have access to it because the cards are not working. The phone lines to the company are now down and when they were up and working I got hung up on after waiting for hours. I am about to lose so much because of this i dont know what I 'm going to do but Rush Card needs to be reported!

Company response to consumer: Closed with monetary relief