milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX Equifax announced a massive data breach. I went to their website to check if I was affected in the breach. While going through the process, Equifax asked me to agree to Terms & Conditions requiring me to waive my right to a class action lawsuit. This is a disingenuous practice on behalf of Equifax. Their systems were breached, so they should be responsible for monitoring my credit while also remaining responsible for any legal penalties assessed by the US legal system. I should not be required to waive that right.

Furthermore, they were negligent in their data management practices. A breach of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with Vital Solutions, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Vital Recovery services ( XXXX ) is repeatedly calling me-atleast 15 times a day. I do not owe any money to any company/services. They are harassing me at all times of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Trouble during payment process

Complaint: So, I refinanced with Pacific Union Financial back in XXXX XXXX 2017.  Never have been late. Have done everything they have asked me to do. Have provided everything they have asked for. On XXXX17, I get a call, " sir, due an error by us, Pacific Union financial, we are going to take your present escrow ( up to date ) cash and pay the old escrow account. And you, sir, will be responsible to make up the difference for our mistake. '' Or words to that effect. I sent an email to the person who did my VA refinancing ( XXXX XXXX NMLS # XXXX Mortgage Consultant / Sr. Loan Officer Direct Line : XXXX Cell / Text : XXXX Toll Free : XXXX ) asking for clarification. Later in, In the shortest and simplest of way, I was told that although they made and acknowledged their error and mistake 5 months ago, they will raid the money from my new escrow account to cover for their mistake. Almost 6 months later. As I thought about it, I realized i had been told " We made a mistake months ago but it 's up to you to make up the difference of your new escrow account once we drain it so we can cover for our incompetency. I am a former XXXX. I also care for a XXXX XXXX XXXX  XXXX veteran. I work 2 jobs. I never asked for anything nor do I want anything, other than honesty and accountability. This error was n't discovered 2, 3, 4 not even 6 weeks after. It was almost 6 months later. And now all I get is a hollow excuse of " we totally messed up but you are going to get XXXX for OUR incompetence and lack of attention. '' i got a lot of " if this '', " if that '', justifying why I was going to get penalized in order to cover their mistake. 1-2 months after closing, I get it. But, after almost 6 months..?? How is that fair? I did nothing wrong and I have always complied with everything they asked and wanted from me.. A billion dollar company, yet, I have to cover for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
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: OnXX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX 's problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XXXX with no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with ARC Management Group, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX ,2017 I was alerted by my credit monitoring that I had a  Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's  a Hipaa Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 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: EQUIFAX IS NOT REMOVING OLDA ACCOUNTS THAT HAVE PASSED A 7 YEAR STATUTE OF LIMITATIONS FROM MY CREDIT REPORT! 
I have proven to Equifax munerous times for 6 months now that XXXX XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity and XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity. None of the other bureaus are reporting it anymore but EQUIFAX keeps stating that they verified it with the original creditor, when I have letters from XXXX XXXX XXXXXXXX and XXXX XXXX stating they are NOT REPORTING THIS OLD ACCOUNT AND THAT IT SHOULD BE REMOVED FROM MY CREDIT REPORT. 
please help this is damaging my credit and Equifax is being totally ignorant to the F.C.R.A. rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016, I stepped into a Bank of America branch to make a deposit. I was alerted by the teller to contact Bank of America customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. BoA was aware of this. I contacted Bank of America and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Bank of America refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, BoA will not issue a credit to me and has closed my account.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or  written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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 05/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (SC).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account in XXXX XXXX because I had received a promotion from CITI to receive XXXX bonus Aadvantage miles after completing certain requirements which I met back in XX/XX/XXXX. I contacted Citi in XX/XX/XXXX to confirm the offer and was advised I did have the offer on my account. The offer required the use of their bill pay service for 2 months and at least {$1000.00} in purchases on my debit card which I completed XX/XX/XXXX. 

I then reached out to Citi on XXXX XXXX and was advised ( see attached conversation w/ customer service online ) that I had met the requirements and confirmed in writing that I would receive the XXXX bonus miles w/in 90 days. 

XXXX XXXX, I had still not received the miles and so I reached out to Citi ( see attached email letter from Citi ) and was advised that once again Citi agreed that I had met the requirements for the offer and that I would have the miles by XXXX/XXXX/XXXX. 

The miles never posted to my account and XX/XX/XXXX I was advised that I need to wait another 30 days for the posting. I then recontacted Citi XXXX XXXX when the miles still did not show up in my account. 

I have now received a letter from Citi stating that I never had the offer on my account in the first place and that they will not honor it. I had confirmation multiple times from Citi that this offer was on my account and that I had fulfilled the requirements of this offer. I have also been charged {$90.00} in monthly service fees since completing the offer even though Citi is not fulfilling their commitment.

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 02-06-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: It has been 3 weeks and the problem still has not been fixed by Coinbase. I can not access my account and lost a lot of money due to Coinbase delays in resolving the issue! They have emailed me twice with the same information and instructions that they repeat over and over. The steps they are asking me to do have been competed numerous times. They do not give me anything new, other than sending the same script emails.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Medical debt) with Skagit Bonded Collectors, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Well, when I fired off this FIRST EMAIL attached, I kind of half expected a RESPONSE to work things out. NOPE! The people at SBC, LTD, seem to think Im a nobody you can PUSH AROUND.
THEY SENT ME 12 MORE BILLS? 

I TOOK ON XXXX XXXX, XXXX XXXX, The US NAVY and WON EVERY SINGLE FIGHT. YOU ARE SMALL POTATOES compared to the FEDERAL GOVERNMENT. Dont believe me? Ask SENATOR XXXX XXXX who intervened on my BEHALF for XXXX XXXX. The LATE CONGRESSIONAL XXXX XXXX ( XXXX ) NY, INTEVENED for me in XX/XX/XXXX AGAINST the US NAVY. I TOOK ON XX/XX/XXXX ALONE in XX/XX/XXXX. 

I just filed a COMPLAINT with the WA AGs office, Im filing another COMPLAINT with the CFPB and a COMPLAINT with the FTC and contacting XXXX XXXX XXXX XXXX XXXX! Im going on SOCIAL MEDIA, XXXX and I HAVE A NETWORK OF OVER 30 MILLION PEOPLE on XXXX. 

I HEREBY FORMALLY DISPUTE ALL THESE and tell them to take the WA STATE COMMUNITY PROPERTY LAW and SHOVE IT UP their XXXX, AS FAR AS IT WILL GO AND XXXX XXXX XXXX! 

The WA STATE AGs response just came. 

-- -- -Original Message -- -- - From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXXXXXXXXXX Subject : AGO Complaint XXXX, Thank you for contacting the Consumer Protection Division of the Attorney General 's Office. The consumer complaint you submitted through our online form was received on XX/XX/XXXX. Your complaint is very important to us and we have assigned it to a consumer resource center specialist for review. You will be provided with a complaint number and the status of your complaint within 5 business days. During times when we experience peak complaint volumes, it may take up to 7 business days for us to contact you with your complaint number and status. Thank you for your patience during this time. 

Please do not respond to this email address. The mailbox is not monitored. If you have questions, please contact our Consumer Resource Center at 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
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: What I want to know is how can XXXX bank take over another XXXX and take the customer accounts without the option to opt out. This has happened to me twice. The second time Bank of America sold off my branch, so I fought to stay with them ( automatic deposits, linked accounts etc. ). I am not a commodity/product. They have completely lost sight of the fact that we are customers.

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 03/14/2017 about Mortgage (Conventional fixed mortgage) with EQUIFAX, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Made a payment to discover student loans on XX/XX/XXXX. I paid {$240.00}. I wanted the {$140.00} to pay for my minimum monthly payment the remainder to go towards principal. 

Today, XX/XX/XXXX, I see a payment posted of {$94.00} and nothing about the minimum payment being posted. My minimum balance says {$50.00} is due. How is the there still a minimum payment due when I paid the minimum amount and extra towards principal? I called the rep on XX/XX/XXXX and they do n't know what 'll happen to my extra money. They said they do n't know where it went. They said it 'll take 7-10 business days to resolve. I find this unacceptable since I made the minimum payment for XX/XX/XXXX way ahead before the due date and now, I risk possible penalty because of their error? 

Can you please file a complaint with discover about once again incorrectly applying payments?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX has added fraud debt to my Credit reporting agency. This information is fraud and have not been validated. I have disputed this debt with XXXX XXXX and got no signed credit agreement showing my signature that I agreed to this debt. Midland has not sent me the signed credit agreement with my signature that I requested and by law when a account is in dispute no negative information is allowed to be on the consumer credit report. This debt was removed a while ago and no it has mysteriously ended back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with U.S. Collections West, Inc. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/2018 @ XXXX PST I was contacted by XXXX XXXX XXXX ( XXXX ) XXXX with US Collections West. XXXX XXXX stated that I owed $ XXXX for an unknown debt and that I had a judgment against me and that I needed to set up a payment arraignment. I requested a debt validation and was told by XXXX XXXX that he and the company he represents did not have to provide that to me and which I refuted based on my understand of the FCRA requirements. I told him that I have no knowledge of what he's talking about and that I would like written validation to be sent to me of this debt. Again I was told that I didn't have a right to that, while he implied that my living in Arizona at one point was all the proof that he needed. That I was going to be garnished and that they would continue to come after me for the next 10 years until US Collections West received $ XXXX. He then hung up on me and my subsequent attempts to request a debt validation were refused and I had the phone hung up on in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with U.S. BANCORP (IL).
Issue: Other

Complaint: I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity account.

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