milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I filed a CFPB complaint against Equifax because two months had passed since I requested an investigation, and they had not responded yet. Equifax responded to the CFPB complaint on XX/XX/XXXX, and said : " Equifax has reviewed the complaint and its records. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumers current address utilizing our normal dispute process. '' As of today ( XX/XX/XXXX ), I still have not received anything from Equifax. We 're almost at four months now since my initial request and all I get from Equifax is excuses and obfuscation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked Transunion repeatedly to delete all of these incorrect addresses displayed on my credit report. And they have all of these addresses on my credit report when I told them they were inaccurate. I need all of these addresses deleted as well as any others that are not XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also need any wrong phone numbers deleted as well as employers deleted. 

They need to delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Delete these phone numbers too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Employers : XXXX XXXX My drivers license is attached

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 03-03-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX has reported to the credit bureaus a debt that does not belong to me. I called XXXX XXXX XXXX  and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

Experian and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of Experian.

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 01-05-2016 about Debt collection (Payday loan) with Integrated Recovery Services (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Penn Credit Corporation (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. 
We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Payday loan, title loan, or personal loan (Payday loan) with Silver Cloud Financial, Inc (IL).
Issue: Loan payment wasn't credited to your account

Complaint: I had a bad check cashed on my checking account, as a result, my bank blocked my account. I opened a new checking account, but I felt uncomfortable giving my account and routing number to  Silver Cloud Financial.  I called to make another way to pay them, but they wanted my ACH number. They would not offer sensible alternatives, they said i could mail them a money order, and I said that was too inconvenient They said Bank  of America  card would not process their payments, finally they suggested a prepaid card   XXXX   XXXX  . After getting the card, I called to make the payment. After speaking to  XXXX  and  XXXX , who both said I could use the   XXXX   XXXX   XXXX  , when I called to make the payment, they gave me the run around. They bounced me from  XXXX , to  XXXX , back to  XXXX , and finally,  XXXX  who finally processed the payment.  XXXX  took the payment but hung up and would not confirm that the payment was received. After calling back several times,  XXXX , said the payment was received and said my next payment is due on the   XXXX   XXXX   XXXX   XXXX  . I want to pay this loan off with no additional charges except the  XXXX  they say I still owe, My original loan was for {$500.00}. I have paid them  XXXX  so far. I usually would pay them in less than 30 days, but due to a financial emergency I could n't pay, so I agreed to payments. I did know the charges were so outrageous as they are..

Company response to consumer: Untimely response
Consumer complaint received 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I used western union to send an international money transfer. My receiver went to collect funds and was told that this transaction did exist in their system. I contacted western union and the representative asked me to call back at a later time since their system was down. By the way its almost always down. I used a different money transfer company to resend money and my receiver was able to collect the same day. I contacted western union to request a refund and way denied.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with The Law Offices of Burr & Reid, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.

Company response to consumer: Closed
Consumer complaint received 06/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: I 'm a seller on XXXX. I have sold a few products with no problems. Today I sold a cell phone for XXXX dollars XXXX dollars shipping. After getting the product ready to ship I went to pay pal to confirm payment. I see that pay pal is withholding funds for no reason at all. Now I do not have access to funds in order to ship the product out. I see no reason to withhold funds after I have already made successful sales previously other than Paypal wants to keep my money for as long as possible. This amounts to theft, they have given me no reason to withhold money on this transaction other than there could be a potential problem. I have given them no reason to suspect there will be a problem. This practice needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Balance transfer

Complaint: I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX XXXX XXXX Equifax after investigation remove collection account from my credit from XXXX XXXX XXXX Account # XXXX for {$83.00} conformation # XXXX. In XXXX collection account come up again in my credit. I submit complain to CFPB case # XXXX. In XXXX XXXX XXXX I receve responce from CFPB stated collction was removed. In XXXX XXXX I check my credit and Equifax and XXXX show collection for {$83.00} from XXXX. I need you help to permanantly remove this collection from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Credit determination

Complaint: I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: several accts were previously mentioned : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( innovis ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.

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
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. 
Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # 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 explanation