milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Using a debit or ATM card

Complaint: I used citizens bank ATM machine XXXX/XXXX/16 and it " ate '' my debit card. On the next baking day the manager said I cant get my card for 5 days. After a 2 month interval I used the same machine and the sme thing happened again. I was told an executive would contact me. No one ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the one listed on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is not one but I requested it just in case I was remiss. I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.

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 02-07-2017 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Medical) with DCS Financial, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: DCS Financial placed a garnishment on my personal banking account without notification in the amount of {$180.00} and resulting in additional fees in the amount of {$120.00} closing out my account. Washington State law states that this amount should not be removed if under {$500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX XXXX Cards notifying me XXXX XXXX XXXX of the above debts. 
I contacted the XXXX major Credit bureaus and XXXX Cards making a point of proving to them that I was the victim of Identity Theft. The entities named above validated the debt as mine, yet they did not provide any documentation legally linking Me XXXX XXXX to the account. 
The problem with their validation is : 1. I was residing in different city than the one provided for the origin of this account. 
2. Therefore the accounts are linked to an Address that I never resided at 3. The number one way companies validate an account is through a signature neither of the entities above have done so.

Company response to consumer: Closed
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Activehours (WA).
Issue: Money was not available when promised

Complaint: Activehours wo n't recognize my most recent paycheck deposit from XXXX17, ca n't seem to figure out why.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-XXXX-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 04-06-2015 about Mortgage (Other mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I 'm submitting my complaint regarding a consumer mortgage loan with Associated Bank that was obtained through the XXXX XXXX Mn branch at XXXX XXXX XXXX XXXX XXXX Mn XXXX on XX/XX/XXXX. XXXX # XXXXThe loan amount was for {$41000.00}. I became concerned when I noticed that despite on time payments, my principal balance had not changed. Associated bank offered me several explanations on my numerous visits to the bank to inquire, which never really made sense to me. I was told that it took several years for the principal amount to decease. My last visit to the bank to inquire about this was in XX/XX/XXXX. I had gone into the bank and or called previous to XX/XX/XXXX, at least XXXX times a year, always trusting that the bank was correct and it would take time for my principal balance to come down. 
I was also told that my loan was an interest only loan ( though I specifically had requested a loan that was not interest only ) since my XXXX mtg was an interest only and I did not want another one. The gentleman that oversaw my loan at its inception assured me it was not interest only. Incidentally this man was no longer employed at the bank within weeks of my loan ( I did see him oddly enough at a store and he would not speak to me ) I really became concerned when a bank teller who processed one of my payments whispered to me that I really needed to get out this loan. 
At present I have paid off somewhere around {$39000.00} dollars on this consumer loan, and still owe more than the total it was taken out for some XXXX years ago. By the time I pay off this loan I will have paid {$130000.00} dollars. 
I 'm quite concerned that this loan is predatory in nature, that I was taken advantage of because of my lack of knowledge of consumer loans and that the terms of this loan were never fully explained to me despite my numerous attempts at contacting the bank. 
On my last visit to Associated Bank, I asked the loan officer if he would have advised his Mother to take this loan? He would not answer me. 
I do not think a {$40000.00} dollar loan should cost me XXXX, and I m asking for the CFBP to intervene on my behalf. 

I have attached my original note for your review. 

Most Sincere Regards, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my Experian credit file ( online ). I named each inquiry to the Experian rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of 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 non-monetary relief
Consumer complaint received 06/18/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: Chase is offering " free monthly credit score '' BUT my score is not posting. I have spent considerable time contacting Chase - but their out of country operators ask for so much information it feels like identity fraud is possible and I do n't think they should need that much to verify an account, so I contacted XXXX. There is no block on my credit account in XXXX system. They have a record of the Chase account. A complaint to Chase headquarters WAS DELETED. SO, they have made an offer and I have accepted it BUT they are not fulfilling their offer. Would the US Government PLEASE require Chase to fix their problem, act in good faith, or else compensate me for time spent dealing with people who can not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with Med-1 Solutions, LLC (PR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX Has reported negative items on my credit files. This account should be under the XXXX XXXX XXXX XXXX XXXX hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that XXXX Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Experian. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.

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 06/13/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: First letter was s ent  XXXX 2017 Thi s letter is regarding account #  XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you.    I received a letter back  on   XXXX  2017 stating that they  have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from.   I followed up with a second letter  on  XXXX 2017 re questing for proof. I then received a letter back from them   XXXX 2017 s aying they are not willing to corporate.   The company 's name and address Resurgent Capital Services,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ,  SC  XXXX  Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: At the age of just XXXX I was already being pressured into a student loan. I was not considered an XXXX although I did not have contact with family and was supporting myself financially. I agreed to a student loan with XXXX / Navient. After a few academic semesters I had to choose work over school as I was my sole income. I explained this situation to XXXX many times. I was often called and harassed to make payments of {$220.00} a month on a total balance of {$3500.00}. This at the time was not physically possible for me to do. I was never offered an option for income-based loan repayments. Instead I was offered forbearance twice for a total of XXXX year. After this I was still unable to make those high payments. My loan went into default and after years of begging to make $ XXXX monthly payments rather than no payments I was denied. I could n't even go back to school to possibly defer payments since I was in default. This in turn ruined my credit at a very early age which caused me to accept unethically high APR on auto loan and to be denied credit for many instances. It was only XXXX years ago that I entered the XXXX XXXX program which allowed me to get my loan out of default. Once again they wanted payments in the amount that I could not afford. I was forced to extend my loan out by many years just to afford payments. Not to mention the incredibly high fees for having transferred loan between lenders and collections. This small student loan will end up costing me more than double the amount I originally borrowed. It has taken me years to semi-repair the damage.

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. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I attempted to put a credit report freeze with Experian on XXXX/XXXX/XXXX. They sent me a a message that they could not grant the freeze based on the info that I provided. Neither XXXX nor XXXX had any problem granting the freezes with my information. They said I could up-load the XXXX documents required for my identity. I tried to up-load but they said they could not process the up- loads and to mail the documents to them. I mailed them on XXXX/XXXX/XXXX. I have had no response. I tried to call them on XXXX/XXXX/XXXX and went through their menu on my phone. They responded as though I had made another request for a credit freeze which they said was granted and that they would e-mail me the required PIN. It is XXXX/XXXX/XXXX now and I have not received the PIN.

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