milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Consumer Loan (Installment loan) with Cooper Hoffman Klein Associates (TX).
Issue: Taking out the loan or lease

Complaint: I honestly do not know what this company is calling my mother for, in regards to me. I returned a call to XXXX and when I was connected to extension XXXX to a XXXX, all he asked what was my location. When I asked XXXX XXXX what this was in regards to because I was searching online for some information on XXXX and Associates, and I could not find anything. XXXX XXXX then became very irate and said that it was irrelevant, and If I wanted to make this hard or easy. I then told XXXX XXXX, that 's just it sir, make what hard or easy? I am just trying to see why you all keep harassing my mother. He then yelled very loudly to serve you papers, or something of that sort. and I said, papers for what I do n't think I 've done anything wrong. He then became very angry and proceeded to hang up on me, but before the phone hung up, he was heard saying just send the units out. All the while he was talking over me. I do not know what this call was about, but whoever XXXX XXXX is was very rude and unprofessional to me, in addition to scaring and harassing my mother. I do n't appreciate this kind of harassment, especially when I respectfully asked for information and was n't given any.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: I was a VICTIM of their inquiry issue.

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 01/25/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Date reported was XXXX/XXXX/XXXX. Last reported on XXXX/XXXX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hello - Ive been trying to obtain my EFX report via XXXX  and I get an error message that its undeliverable online. Ive attached the error message. This error is also preventing me from setting up my XXXX XXXX account ( when I try to register, I get an error on their end that there is an issue with EFX and to call EFX to fix the issue ). I called EFX customer service and they do not see any issues on their end. Ive been going around in circles. I know EFX can send a hard copy but I want it electronically. Ive attached an image of the error message.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NV).
Issue: Trouble during payment process

Complaint: Hello : Original complaint number : XXXX On XX/XX/XXXX I received correspondence from your company explaining to me that my case with your establishment was closed due to CitiMortgages response. 

The company 's response is attached please review for your records. 

The response by CitiMortgage dated XX/XX/XXXX explains that a fix to the problem should have occurred on or around the date of Monday XX/XX/XXXX.

As of Saturday, XX/XX/XXXX the problem is not fixed and I am still experiencing the same problem as I described in my previous complaint. Please advise on how I should proceed. 

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN handles an escrow account to pay state property taxes in addition to my mortgage payments. On a regular basis, they collect more money than needed. In XXXX 2014 I decided to close my escrow account and called their customer service to learn how to do this. On the customer service 's advice, I wrote a letter requesting to close my escrow account. The letter was ignored. Since than, I called OCWEN 's customer service multiple times and sent them several more letters requesting to close my escrow account. The account is still not closed. Among excuses there were statements that the letters were not received or that it was too close to the date when the property tax is to be remitted to the state. I receive a written response only XXXX time after I sent OCWEN the letter by certified mail. In their response they refused closing my escrow account saying again that it was too close to the date when the property tax is to be remitted to the state and suggested that I send them yet another letter. The latter suggestion sounds senseless. Nothing prevents OCWEN from closing my escrow account after the property tax is paid. They already have several letters from me that clearly show my request to close my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple times per day, we receive phone calls from Diversified Consultants. They are apparently a debt collection agency, but we have no debts. We 've asked why they are calling us and there is no explanation. There are quite a few different numbers that they come from but as soon as we pick up the phone they hang up the call. We are trying to run a business but tending to these nuisance calls is really beginning to decrease productivity. We 've also missed other important calls while dealing with these. Many times we 've called back the number that calls us and each time we speak to someone and request that we be added to their Do Not Call list. They tell us that we are not on the list of numbers they have to call, but that is obviously a lie. Our phone number is  XXXX  and it is listed on the state and federal Do Not Call Lists. The last harassing call we received was from   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO).
Issue: Other transaction issues

Complaint: I sent in money for a money transfer and got the reference order # and went to XXXX different Walmart locations to receive but both tellers were acting very strange and said i could n't receive the money order. They did n't explain why and frustrated me in front of the other customers. They did n't apologize and both left me hanging. Now I ca n't track the order it says the order does n't even exist but I have all receipts and the order information itself still for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing XXXX XXXXt XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Bank account or service (Cashing a check without an account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: My fiance and I go to td bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says " one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by td bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Allied International Credit Corp., (US) (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received letter from Allied International Credit Corp. stating that I owed XXXX in unpaid debt to XXXX. I have never done business on or with XXXX and so can not owe them anything. Attempts to resolve the problem go unsatisfied and are met with stall tactics and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (GA).
Issue: Fraud or scam

Complaint: I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Reporting company used your report improperly

Complaint: 1 ) Equifax 's lack of proper security allowed my personal information to be compromised 2 ) They did NOT let me ( or any of the customers! ) know when the data breach happened so that I could take proactive steps ; they only published it weeks afterward ( based on their statement of XXXX-XXXX-17, the breach happened on XXXX-XXXX-17 ), so my SSN, addresses, credit score, and other personal details have been at risk without my knowledge 3 ) The " compensation '' offered is in the form of one year of free credit monitoring ( XXXX XXXX ) which will not cover the lifelong risk of my SSN and other details being compromised 4 ) There is a hidden statement in the enrollment terms for XXXX XXXX that enrolling will waive my right to file a suit against Equifax, which is not accessible except by looking at the terms of service of the site itself. This is completely disingenuous on the part of the company 5 ) The only step for me to take to protect myself from Equifax 's data breach, at this point, is to pay them {$10.00} to freeze my credit XXXX {$30.00} total to freeze across all bureaus ). I should NOT have to pay THEM to protect myself from their bad business practices! 

This whole thing has been handled very poorly and possibly illegally by Equifax, putting me and millions of others at risk without timely and appropriate communication and attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Checking or savings account (Other banking product or service) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.

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 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was issued a ticket for not having an inspection by XXXX XXXX, VA. I paid the ticket. NCC keeps calling and harassing me regarding this debt after I disputed the debt and have repeatedly told them that it has been paid ( and I have verified this with XXXX XXXX ). They will not stop, they tell me that I need to provide proof to them that the debt has been paid, I told them to verify with XXXX XXXX, who they are collecting for, that I am not comfortable providing financial information to a company I am not familiar with.

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