milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Payday loan debt) with D2 Management LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Credit reports state no payment made for the month of XX/XX/XXXX. According to banks own records this is not accurate.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, through what at this point appears to be gross negligence, was affected by a cyberattack that resulted in the theft of the personal information of 143 million names, social security numbers, addresses, and associated data. Equifax has been aware of the breech since XXXX XXXX, but only made this information public on XXXX XXXX. 

At this point, it looks likely that my information was affected, but there 's no way for me to determine this : the tools Equifax has provided are demonstrably non-functional. 

Despite presumably having complete address records for everyone affected ( they are one of the major credit reporting companies, after all ) they instead suggested that people who might be affected go to an insecure site where they are asked to provide even more personal information, with no guarantee that they can keep that secure either. 

The XXXX for their site uses a number of what are commonly referred to as " dark patterns '' which is barely acceptable on a site trying to get me to sign up for their newsletter, and absolutely unethical on a site that purports to be offering assistance to victims. 

Equifax is using the incident as a loss leader for a subscription to their premium TrustedID service. While offering some form of identity protection is common after a security breach, most negligent companies are n't so brazen as to attempt to directly profit off the victims who were just robbed. 

It 's also become apparent that their auto-generated PINs for credit freezes use an extremely insecure, bringing into question how secure the rest of their data is.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Ocwen provided false and or conflicting information regarding the status of an alleged loan to your office on XXXX XXXX, 2015 in response to a complaint submitted to your office. Ocwen claimed that the loan had been placed on " HOLD '' but in my complaint to your office there was evidence that Ocwen communicated to me that the foreclosure had not been initiated, perhaps because they rescinded the foreclosure because of all the defects in the original foreclosure. These XXXX statuses are completely different and Ocwen failed to respond to the delinquent letter that it mailed out. On XXXX XXXX, 2015 I received yet another delinquency notice from Ocwen making a second claim that the first step in the foreclosure process, the first legal filing, has not yet been completed, but yet Ocwen is claiming to your office that the foreclosure is on hold. Also unaddressed in my last complaint was Ocwen 's counsel 's threats to have me and my wife imprisoned for filing an FDCPA suit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.

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 02/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: To Whom It May Concern : On XXXX XXXX 2015, I sent {$200.00} to relatives in XXXX. I mistakenly wrote the receiver name as XXXX XXXX instead of XXXX XXXX. According to Western Union, the name that I had used is the name of an individual that is in a Global Sanction List and that XXXX needed to go back to the Western Union Office and bring a copy of his ID so that they can fax it to XXXX. I explained to them that XXXX XXXX had brought his ID when he went to pick the money and he was simply told that the money was not available for which they had no answer. XXXX went back following the instructions that Western Union had provided me but he was told that there is nothing they could do because they had no fax machine. I then requested that the money be refunded to me, which Western Union agree to first and then they decided not to without any explanation. From XXXX XXXX to around XXXX XXXX, Western Union went back and forth about what they could and could not do to help solve this matter. When I realized that they simply were wasting my time and nothing was getting done, I requested that all communication was done via email. On XXXX XXXX of this year, XXXX found someone in town that has a scanner that scans better quality images and as soon as I received those images I sent them again to Western Union twice but I have received no answer. 
I will take this case public but have been advised to first file a formal complaint. 

Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked Equifax to hear my dispute with XXXX XXXX XXXX XXXX regarding a " charge off '' that was paid before the alleged charge off took place. Initially Equifax advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely VA refinance on my home. 

Please discipline Eqifax and require them to come into compliance with FTC and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2017 I was erroneously billed {$4000.00} for granite countertops. On the same day I was billed the correct amount for the countertops we had installed {$3400.00}. I filed a dispute with Synchony bank, but it was closed without me or the store ( LOWE 'S XXXX NC - Store # XXXX ). They sent me a letter stating that they trust the dispute had been resolved to my satisfaction. Nothing was done to resolve the matter. The charge still remains active on my account. I tried to contact them again today, but they could only offer to re-file my dispute. At that time I asked them how I could escalate the matter, and they did n't provide me with an acceptable response. I then asked them what government agency I could escalate the matter to. I was told the only way to submit a complaint was to them, which I know is wrong. I then found you guys through XXXX. I 'm hoping you can help, because at this point. I do n't think they are going to remove the erroneous charge.

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 10/13/2016 about Payday loan () with CURO Intermediate Holdings (KS).
Issue: Charged bank acct wrong day or amt

Complaint: I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IA).
Issue: Account opening, closing, or management

Complaint: Several months back, I was told by a banker at Wells Fargo that I could sign up for " overdraft protection '' by having my savings account tied to my checking. I was told that if I ever overdrew my checking account, that the funds would be automatically transferred from my savings. I have recently closed the savings account, due to loss of income, and reviewed my checking and savings history over the last few months. I noticed several {$12.00} charges for each automatic transfer from my savings to my checking. I was not informed of these charges when I agreed to the option. Had I been aware of the charges, I never would have agreed since I can transfer the funds myself online for free. I attempted to contact Wellls Fargo, explain the issue, and request a refund. I was told by the operator that they always tell people about the fees associated with these transfers, and that they will not refund the money. The most they could offer was a flat {$37.00} for the inconvenience. I explained to the operator that any fees associated with an account service have to be disclosed beforehand. I also requested that they review the call log to verify that I was not informed of the fee ; He refused. Wells Fargo should not call these types of programs " overdraft protection '' without disclosing the fees. It misleads consumers to think they are " protected '' from those fees when they sign up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.

Company response to consumer: Closed with non-monetary relief