milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birth date, etc. resulting in a data breach in XXXX XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft or fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for 'trial periods ' of their ID protection services for only 1 year of protection. The information they failed to secure could be used for decades. After 1 year of protection, I and millions of consumers would have to pay Equifax for ID protection services, which is outrageous. 

Further, the only tool available to me as a consumer to protect my credit reports is the 'credit freeze ', which Equifax XXXX and the other reporting agencies, charge {$10.00} for in my state ( Oklahoma ). They want to charge me {$10.00} to freeze my report, then charge me {$10.00} AGAIN when I need to unfreeze to conduct financial business. Then another {$10.00} to refreeze, on and on in perpetuity. That would be {$60.00} per free/unfreeze for me and my husband for each credit report related transaction, for the rest of our lives. That is criminal. I should not have to pay the company who compromised my data through gross cyber security negligence. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/ fraudulent behavior and indicated by the 3 Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing and unfreezing free and refunding everyone who paid for it following this data breach. Additionally, the Equifax PIN System for freezing/ unfreezing your account is based on providing the VERY personal information that was compromised and stolen. Thus, the parties who have the ability to steal my credit information also have the ability to unfreeze my account using the inadequate security measures that Equifax has implemented. I demand that Equifax change the PIN system to ensure that credit freezing/ unfreezing is actually a secure process. Finally, I demand that Equifax provide the secure ID protection program they are offering for 1 year to those affected consumers for the lifetime of their social security numbers and the information that was stolen. No consumer should be forced to purchase credit report protection plans from the very company for egregiously failed to protect their data in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Wise Recovery Solution LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Was checking my credit score and noted I had 2 alerts for 2 new  open accounts that I did NOT open. 
1 ) XXXX XXXX XXXX. 
Acct # XXXX Acct. Bal. {$690.00} Opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX a Repair Acct # XXXX Opened on XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/20/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other service issues

Complaint: I tried to track and change a pass code or test question from one of my employees to western union at their toll free #. They stated that I needed to call from the phone # of the purchaser. That 's stupid for a receiver but for a sender? My complaint is. I asked for a telephone # or email for a supervisor and was told they did not have the contact information. I told him that I knew he was lying and to get the information for me. Then he said " I do not have direct contact with my company. '' As you can plainly see this is a bald face lie and borders on the sanctimonious bull that scammers and politician use. I get company policy but I do not accept and will not be lied to without complaint. XXXX was the person I spoke with at the XXXX #.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Payday loan debt) with Advanced Professional Group (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: They contacted my mom, brother and sister. They collected funds from my mother without my consent. I contacted them the first day they called my family and asked them to only contact me. They continually contacted my family & gave my mother details about the debt so she paid it in full. I never authorized them to speak to anyone about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

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 04-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Home Loan Center, Inc. (NY).
Issue: Application, originator, mortgage broker

Complaint: About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with AFNI INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION ().
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Report Inquiry Made Without My Permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Received a loan you didn't apply for

Complaint: Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: The Amazon rewards credit card requests me to pay an annual membership fee of XXXX By XX/XX/XXXX, I phoned it, saying that I ' d rather cancel my account than pay the annual membership fee. But the Amazon rewards credit card, every month, still requests me to pay. Now I am asked to pay annual membership fee + late fee + interests, totally XXXX {$.00}

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

Complaint: XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

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 07-06-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Managing the loan or lease

Complaint: Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (GA).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help 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 02-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have been with CHASE BANK for more than XXXX years. 
I had my account overdrawn several times and been able to put money into my account to cover the debt in the day or XXXX never been charged for overdrawn. 
Now if i do n't put money into my account the same day before XXXX i get charged a fee of XXXX dollars. But i do n't receive any call or email that my account is overdrawn for me to be able to cover in time. i get charge XXXX dollars for a payment of XXXX dollars that did n't go through when my check are pending ... 
This is frustrating how bank become so unpersonnal and does n't work with us but feel like they are happy we are doing bad!!! 
What kind of society are we in?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: complaint # 1 XX/XX/XXXX During the recession, I was unable to pay this account with American Express . The last payment was XX/XX/XXXX. The company and I have come to NO agreement or terms to settle this account nor have they offered to reopen in good standing. They have submitted reporting 5 years after last payment stating the account is closed and charged off as of XX/XX/XXXX. This is unfair to me and only reflects XXXX abusing the statute of limitations and 7 year consumer protection stating that any bad debt will drop off after 7 years. They are prolonging this by waiting 5 years to report. 

complaint # 2 Current XX/XX/XXXX XXXX erroneously and without my consent issued a payment plan that I had verbally declined on a phone call. I need recorder line records submitter by XXXX to prove I did not agree to these terms. I also never received the letter they attached to close the original complaint above. This account is well over the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with MOHELA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (AL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have tried for 2 days now to get a credit freeze off my account. I have called at least 4 different # s can't get a human, tried every different option on their menu to no avail. waited on hold for 15 min.s several times before hanging up. this is ridiculous and I feel on purpose because we are not PAYING for credit freeze! PLEEEEEZE do something about it? im not the only 1 I just read on line a woman said she had been trying for 2 mos.s! I need this removed NOW im trying to get a credit card that I NEED! thank you please FINE them until they correct their abusive behavior!!!!!!!!!!!!!

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 06/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received a phone call in late XXXX from Macys notifying me that my bill was going to be over 30 days late. I authorized the minimum payment of {$360.00}. On XXXX XXXX I called Macys when I noticed that the XXXX had not cleared my bank. I went to my XXXX XXXX XXXX to confirm whether there was an attempt of this money to clear my account. There is no attempt and there was a significant balance available. My Macys statement shows that Macys tried to run the XXXX through my account ; but they could not and a reversal charge of {$27.00} was added to my account on XXXX XXXX. This is proof that I did authorize Macys to make the payment ; however, it was not processed.
Furthermore, I did not receive a call notifying of the issue. I noticed that it hadnt cleared my bank on XXXX XXXX and called Macys on XXXX XXXX. See my attached phone log. I dont recall the exact conversation but they didnt know why. I informed the person that I would send a payment {$600.00} via bill pay on XXXX XXXX. ( See attached XXXX XXXX payment history ). In this conversation, I asked the person if this would be reported to the credit bureau and she told me, No. Had she stated that it would be reported, I would have dealt with this immediately versus now. It was XXXX XXXX, when I had my credit run when I attempted to refinance my loan and learned of this recent reporting. While it is my responsibility to make timely payments, I made an effort to make a timely payment when youre credit office called me. That failed and I was not notified. I have attached my phone log, my XXXX XXXX XXXX statement for the month of XXXX and my Macys statement to show you that my payment for {$600.00} cleared my bank on XXXX/XXXX/17 and was posted to Macys on XXXX XXXX. This unfortunately is 3 days too late and you reported this to the credit bureau. I am disputing this as, I did attempt to make a timely payment in good faith and gave Macys authorization prior to XXXX XXXX, 2017.

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