milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My idenity was comprimised by the XXXX data breach. XXXX and XXXX promptly placed a freeze on my credit report as requested. Experian would not place a freeze on my file unless I paid for the subscription of {$24.00} per month. This is extortion and blackmail ; I refuse to pay them protection money. I went on their web site and was first told it was {$3.00}, they rejected payment. The site upgraded me to {$4.00} for the first month and gave me an alternate for the basic service of {$19.00} or the premium service for {$24.00} per month. When I refused it kicked me off the web site. I have attempted to contact an agent and have been hung up on, transferred to auto phone, and placed on hold for 45 minutes. Letters from me have not been answered. I have repeatedly requested for them not to give my personal information out without my written consent. My XXXX XXXX continues to drop and I spend hours a day denying credit applications due to Experian releasing my information.

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 08/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've disputed accounts listed on my Equifax credit report numerous times and the bureau refuses to correct the errors. The other XXXX reporting bureaus has corrected them and even deleted a few from my reports on their bureau 's reports, but Equifax has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have realized that TransUnion has been charging me a subscription for something I did not sign up for. I have spoken with them and they can only tell me i signed up for a subscription, and allowed me to cancel WITHOUT A REFUND. The cause is from one of two things : either I tried to get a *FREE* credit report on XXXX XXXX, 2017 OR i signed up for a FREE " view my fico score '' through my new XXXX XXXX XXXX card 's phone app. The phone app said it was free access to monthly updates about my credit score. they wo n't even tell me on the phone how i *got* this subscription. I never wanted it, and it 's been charging me and i 've received zero information for anything i 've apparently been paying for. In either case, I am sure i am a victim of the issues I found that the CFPB has discovered, mentioned in the article here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ What do I do to get my money back?

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 08/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On or about XX/XX/XXXX or,XX/XX/XXXX, I ca n't remember the exact date, I tried to purchase sweat pants from XXXX, using my XXXX/Debit card. The customer service rep told me I could get a discount if I applied for a XXXX XXXX card. I said OK, but, I do n't want to use the credit card at this time, I want to pay for my purchase using my XXXX/Debit card so that I can read the terms of your credit card first. The customer service rep charged my purchase on the XXXX credit card anyway. And, it turned out, it was n't a XXXX card in the first place. So I thought I paid for the items in full on my XXXX/Debit card. It turned out this was not the case. Subsequently, I have received statements from XXXX, stating I owed them not only for my purchase, but " fees charged '' and " interest ''. I have called XXXX Customer Service several times, including today, this time asking for a supervisor. I was referred back to their bank, I believe it 's XXXX XXXX ( XXXX ) and was unable to resolve this issue. In addition, today the bank rep threatened me liens and legal action. I do n't stand for threats from anyone for any reason! I am willing to pay for the items in question, but nothing more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Informed Portfolio Recovery to stop calling over the phone and to communicate with me in writing only. Instead of communication in writing, Portfolio Recovery keep calling from different phone numbers. The last phone number they used is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: This account has been reporting negatively on my account since XXXX XXXX from a company called off XXXX XXXX in the amount of {$2300.00} I have disputed this account multiple times to no avail. I have not been able to contact the Creditor of this account yet and still Equifax reports it negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My brother, XXXX XXXX and mother, XXXX XXXX took out a loan with XXXX XXXX in XXXX, TN on or about XXXX. They both were not XXXX capable of understanding the financial documents. XXXX sold the loan to Greentree. XXXX XXXX, XXXX my brother died and XXXX XXXX, XXXX my mother died. I am the heir to the property. The house has been recently appraised for {$45000.00} The principal of the loan is approximately XXXX. I hired XXXX attorneys on XXXX separate occasions, neither could get any help from Greentree. We requested a short sale and offered a settlement. They faked a foreclosure. I had never experienced anything like that before, but I am wanting to keep this house, it was my childhood home, so I buckled and wired transferred XXXX only to get XXXX applied to the principal. Once they sent me papers so I could make an offer, but they would not process them because they wanted financial information from my brother and mother. THEY ARE DEAD so they have no income. On several occasions they will call and continue sending mail for my dead family members to contact them. They have all the legal documents required to show I, as well as my daughter XXXX XXXX has legal rights to talk to them. They have the death certificates. I have been trying for 2 1/2 years trying to reach a settlement offer. They are now called Ditech. Ditech has not changed anything, including the employees we talk to. Her name is XXXX. She is rude, condescending and makes hurtful remarks regarding the death of my family members. I have sent several certified letters to their higher management, in which they signed for. Still no one will contact us regarding this loan. I recently learned of the XXXX XXXX dollar lawsuit of all the illegal and unethical tactics Greentree was found guilty of. It is obvious Greentree changed their name to Ditech, but are still operating under the same principles.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: COMPLAINT : BANK OF AMERICA HAS FAILED TO APPLY PAY-OFF FUNDS TO MORTGAGE. On XXXX XXXX, we contacted Bank of America with an intention to pay off a mortgage on a home owned jointly by XXXX parties. XXXX parties were on the phone call to receive the specific instructions and we repeated the instructions for pay-off back to the Bank of America employee. We wired the pay-off amount of {$49000.00} on XXXX/XXXX/15. As of today, XXXX/XXXX/15, the funds have not been applied and Bank of America has provided the following explanations/evasions to our phone calls : B of A on XXXX/XXXX/15 : " I do n't see any payments applied. '' B of A on XXXX/XXXX/15 : " I have located wire transfer and will add a note to tell them to process it. Funds will take XXXX five business days to be applied. '' B of A on XXXX/XXXX/15 - first phone call : " You did not include loan number on wire so it was returned. '' ( We explained that the funds were not returned and no communication had been received that there was a problem with the wire transfer. ) B of A on XXXX/XXXX/15 - second phone call : " I located the funds and will reapply ''. B of A on XXXX/XXXX/15 - third phone call : " The funds were approved to be returned on the XXXX. I can not locate the funds. I will call Tuesday to see if you received the returned funds. I will continue looking for the funds today. '' We feel these specious excuses are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.

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 07/29/2015 about Debt collection (I do not know) with Clear Debt Solutions, LLC (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company keeps calling several time a day. We have asked them to send a statement in the mail so we can verify what exactly the debt is for. They told us that would just take further action and hung up on my wife. They called me at work after I asked them several times not to call me at work. When I asked them to send a statement in the mail they gave me their address and said they emailed us a statement. When I again asked for a paper statement they said they would just have me served. They are also calling my mom and dad and giving out my birthdate and the last XXXX of my social security information. After several times of them telling them not to call they keep calling them. We have asked them several times to send us a statement and when we do that they threaten to have us served and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars, but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading, as some cards actually do NOT have foreign transaction fees.

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 08/19/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money. 

Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.

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 01/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: Hello, I Received one letter from XXXX XXXX XXXX at the end of XX/XX/XXXX states the Mortgage is transferred a month ago, to XXXX XXXX XXXX from previous lenders : XXXX XXXX XXXX In the letter sent by XXXX XXXX XXXX the principal Balance of the loan is : {$340.00} of which is not matched. On XX/XX/XXXX, my principal home loan was XXXX as recorded by XXXX XXXX XXXX lenders. 
Also, one payment dated XX/XX/XXXX for XXXX is posted for a loan payment, Since XXXX XXXX XXXX [ ownership ] assign to XXXX XXXX XXXX as a new servicer supposedly is posted in their account number : XXXX. 
In advance I am attaching a document from my exiting modification on XX/XX/XXXX from XXXX XXXX XXXX Also, a history of the recently Payment made to the previous servicers including statements from them [ XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with Alorica Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.

Company response to consumer: Closed with explanation