milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've had a private loan serviced through ACS, and they recently increased my monthly payment without notice. My monthly payment had been {$290.00} a month, and it just recently increased this month to {$460.00}. I can not make the original {$290.00} payment each month, having to make installment payments twice a month to keep up, and now they 've raised the payment out of the blue. I have been lied to, harassed, and threatened with litigation repeatedly. Please help me deal with this predatory company. I have submitted complaints about this company before to CFPB and nothing has happened, but they continue to charge me more money each month, which I was never notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.

Company public response: Company 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 National Collection Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. 

On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. 

I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Integrated Recovery Services (TX).
Issue: Received a loan you didn't apply for

Complaint: Hello I called the company My XXXX XXXX on Friday XXXX XXXX because another company saying I owe that company money. I have never heard of that company and I have never apply for a loan. So when I call the company they did not have anything on me. The other company that is called XXXX XXXX is harassing me about a payment that I have never borrow from. I am getting threatening calls from XXXX XXXX, stating they will take legal action against me. So can someone help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (I do not know) with URS Holding, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.

Company response to consumer: Closed
Consumer complaint received 08-08-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: I and XXXX travel companions made a reservation at the XXXX XXXX in XXXX. I charged this reservation on my Chse credit card. 

On arrival, we discovered that there was no hot water available ( see attached affadavit ) so we went to a different fhotel ( receipt attached from XXXX XXXX XXXX ), I disputed the charge at the XXXX hotel since no hot water was available but Chase has sided with the XXXX hotel. 

I feel this is not right since we did not stay there and we had good reason ( lack of hot water ) for going elsewhere. 

Thank you for your kind attention, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with Medical Business Bureau (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.

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 03/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open, close, manage and/or have '' his XXXX bank accounts, among other authorizations so I can continue to pay his taxes, etc. 

XXXX has XXXX Citibank checking accounts opened years ago in XXXX. They total just over {$3100.00}. XXXX previously made expensive unsuccessful phone calls as well as written documentation to authorize me to use or to close the accounts. I also have had multiple phone and written communication with Citibank. 

In XXXX XXXX, Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form, taking us back to where we started in XXXX. 

I am submitting copies of some communication with Citibank : POA with XXXX, XXXX emails from Citibank branch, my letter XXXX XXXX, witnessed instrument of delegation, letter from XXXX, his government photo ID card, Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports, among other documents. I successfully used the POAXXXX to sell XXXX of XXXX XXXX XXXX properties among other tasks as he asked.

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 01-04-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Using a debit or ATM card

Complaint: I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Innovis (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

XXXX XXXXXXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: My Toyota  XXXX  was repossessed from my driveway. I wa s three  payments away from having the lsix year loan paid in full.   now on my credit report it reads tha t I/O Toyota  {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I called trying to see why i owe so much because it hendering my life i am homeless with my kids and i asked can they send me original documents to prove a  XXXX  debt owed on to apartment they stated on one account of  XXXX  intrested occured and  XXXX  occurred on another never recieved notice of it being in collections found out by checking credit report then i asked to speak with a supervisor he was rude and proceeds to tell my i have a lawsuit againt me and i would be contacted i told them i havent recieved nothing via court got off the phone called back the next day requesting documents sayed they would send me nothing. Only if I request my debt in writing i then contacted BBB and filed a complaint they send me documents partial lease agreements and spreadsheet break down nothing showing I owe  XXXX  no original stated from property company i went to the court house to see if anything was filed against me nothing i called them back and ask them was the lawsuit still active a manger that has my case a woman stated that the lawsuit was dropped because i stop working never once did in tell them i wasnt working when i been had a gov job then i again told them that what was sent to me wasnt accurate and she stated but it in writing i asked her if payments where made can i get statements on my monthly payments she stated no they would n't knowledge nothing unless it 's paid in full and they dont and want give me a copy of what i send them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I originally disputed the BALANCE on my auto loan for XXXX, it had been reporting incorrectly for a few months. I am trying to buy a house and TransUnion came back with their dispute results and the account was deleted from my credit report. I contacted them and they advised me that my creditor told them to delete it. I know this NOT to be true as I had already contacted XXXX, XXXX, the VP of the company advised me they had received NOTHING from TransUnion in regards to ANY DISPUTES. I called TransUnion back and they told me there is nothing they can do but the creditor can call. XXXX called and spoke with XXXX separate representatives and BOTH advised her she COULD NOT do anything only I could. This had been the MOST difficult time and the most horrible customer service for something TransUnion deleted ILLEGALLY.

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 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Settlement process and costs

Complaint: I applied for a mortgage from Amerisave and ran into a number of problems : ( 1 ) Twice I was asked to sign documents Amerisave representatives had filled out with incorrect information. They were initially dismissive of my objections, until I flat out refused. 
( 2 ) It took 16 days after the appraiser 's visit, and several " nudges '' from me, for them to get the appraisal back from the appraiser they chose. No wonder they closed a week after the 45-day rate lock expired. 
( 3 ) Amerisave promised in an email that if I paid the {$20.00} wire transfer fee the funds would arrive in my account the day the loan was funded ( and I began being charged interest ). I agreed to the wire transfer and was charged the {$20.00}, but the wire transfer was a day late. I requested a refund and an apology. In response, I got a coupon for a discount on another mortgage. I would still like the refund and apology for all the hassles. They chose the title company, so have full responsibility. 

Anyone considering applying for a loan through Amerisave should be forewarned that they are very disorganized. I was bombarded with numerous irrelevant emails and phone calls. I dealt with four different Amerisave employees, who often did n't seem to know what was going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, thank you.

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 09/25/2017 about Debt collection (Other debt) with Financial Business and Consumer Solutions. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint involves two things. The options would only let me choose one at a time.
I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX  Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached.
My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On about   XXXX   XXXX   i had my home depot account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the   XXXX   XXXX   XXXX   that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for   XXXX   XXXX   then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  XXXX  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at having  XXXX  percent history and never make min payment for 8 years for this to happen over home depot mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX

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