milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with Credit Shop, Incorporated (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I need help re Equifax. 

I have been trying to sign up for a security freeze with Equifax and seem to be on an endless loop of emails. I went to the website and entered all the information they requested. They said to wait for an email to continue enrollment ( which the other credit services didnt do enrollment was instantaneous ). 

I got the following email from Equifax : " It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team '' Again, I did everything they told me to do and was told, yet again, to wait for an email to continue enrollment. 

And around and around we go. 

I have called the Equifax customer service line twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and have told my story to the operator. On both occasions, the operators have said something along the lines of, Not the first time Ive heard this! 

On each occasion, I was told to call another number because my request had not been registered. The numbers I was given are : XXXX and XXXX. They are both constantly busy and I have not been able to get through. 

Can someone please report on this or help me in some way? Equifax caused this whole problem to begin with they should not be allowed to get away with shoddy treatment of their customers, who never asked to be customers in the first place. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has repeatedly engaged in unfair, poor, and deceptive practices. 

During the time when XXXX was assigned as the Customer Relationship Manager ( CRM ) /dedicated single point of contact ( SPOC ) between XX/XX/2013 and XX/XX/2013, Bank of America committed multiple acts of fraud by misrepresentation and omission. Specifically, XXXX issued multiple MHA HAMP denial letters on appeal contradicting the XX/XX/2013 Appeal Report. 

It appears whenever the Appeals Department issued an update regarding the appeal review indicating more time is needed before a determination can be issued, XXXX would issue a MHA HAMP denial letter representing to me l had been denied MHA HAMP on appeal. A classic tit-for-tat move designed to mislead and deceive. 

XXXX, as the SPOC, is prohibited from conducting appeal reviews on this account. Furthermore, it is not the duty or responsibility of the SPOC to issue determinations on appeal. 

Also previously mentioned resolutions are desired and mandatory.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, Experian and XXXX   correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. Experian has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and XXXX have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

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 09/21/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (NH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company uses illegal and abusive collection practices. They also go by the name XXXX claiming to be some sort of legal mediation company. They will refuse to identify themselves as a debt collector. They continue to call friends and family members even though they have my phone number, address and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: fradulent inquiries ... and unverified accounts

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 04-09-2017 about Debt collection (Medical) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (AR).
Issue: Problems when you are unable to pay

Complaint: I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Credit determination

Complaint: Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application, they ran my credit at Discover impacting my credit scores, and they denied me credit without my authorization. I called Discover back, and the representative that answered stated it was the analyst decision to withdraw the application based on her assumption that I might 've not wanted to move forward, and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of XXXX, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed the issue and was advised that until my account was up to-to-date I would continue to receive the phone calls. I explained that I was receiving several phone calls per day and that I considered it harassment but was informed that this would continue until i made a payment on my account. I advised the customer service representative that all of my accounts were up to date and they apologized after some quick research. I was further informed at that time that they would ensure that the phone calls would stop and that they had submitted a " call stop '' on my phone number. I was also informed that since I requested a " Call Stop '' that I would not receive any phones calls regarding any of our 5 accounts. However, within 30 minutes, I received yet another phone call from Bank of America concerning a " pressing business matter. '' I did speak with a third manager ( XXXX XXXX ), who as very kind, understanding and listened with intent. She informed me that she could not see where Bank of America had made any outbound calls to my number. The only thing she could see were 2 call backs. This is simply not true. ( 1 ) I receive, at minimum, 8 calls per day, ( 2 ) both times that I spoke with Customer Service Representative and Managers, I did so by staying online until I actually got to speak to a human being. Unfortunately, there is nothing that XXXX XXXX can truly due. I 'm certain I will receive yet another call within 10 minutes of hanging up with her.

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 12-05-2017 about Debt collection (I do not know) with Sessoms & Rogers, P.A. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Sessoms & Rogers, P.A., lawyers are trying to file a judgment on a debt that is not collectable. I have included the XXXX screen shot showing the judgment was satisfied. I have included the letter sent XX/XX/2017 from Sessoms & Rogers , P.A . lawyers showing the matching case number of the judgment referenced in XXXX  screen shot and the notice of exemptions/motion to claim exempt properties.

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

Complaint: I have two credit cards with SYNCHRONY BANK : A CARE CREDIT AND XXXX  CREDIT CARDS. THE ADDRESSES ARE THE SAME : XXXX XXXX XXXX XXXX, FL-XXXX, ( XXXX ) XXXXSYNCHRONY BANK REFUSES TO REPORT MY ACTUAL PAYMENTS I MAKE PER MOUNTH FOR EACH OF MY TWO CREDIT CARDS. SYNCHRONY BANK REFUSESTO REPORT THEM INTHE BALLANCE HISTORY AND PROVIDE THEM EVERY MONTH TO THE THREE CREDIT BEAUROS.

This is a violation of the FCRA.

Bellow I copy the data I have on my Equifax credit report. The actual amount is missing! None of the information/balance/ minimum due amount is correctly provide to XXXX and the other two bureaus. The same problem is with my XXXX XXXX XXXX credit card where my actual payments are not reported. ( see copy below ). 

XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$3600.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$8000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3600.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$150.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 3 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : XXXX XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$860.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$3000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$860.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$25.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA

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 08/30/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I have not stepped foot into a XXXX. I want to dispute this and take it off my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I recently sent a payment to XXXX XXXX in the amount of {$25000.00}. XXXX never received the payment and when I inquired to my bank ( XXXX ) on the status of the check, I was told it was cashed by XXXX XXXX. I then contacted XXXX XXXX and they have no record of the check being cashed although there is a copy of the cancelled check cashed by XXXX XXXX. Neither bank wishes to take responsibility for the payment/disbursement.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXXt. The file was not removed from Transunion.

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