milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate

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 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights. This happens every year.

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 08/22/2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not have any outstanding balance with University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by 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 01-07-2016 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Scottrade has the worst customer service. If anything goes wrong in your account, expect your account to be closed as Scottrade will not give you XXXX seconds of their time to resolve the issue, especially if they are at fault. 

In my case, my Scottrade account was hacked and when I reported the fraud to Scottrade they said that I was no longer a customer. During that time that I was suffering and needed help from Scottrade I was throw out and refused service. 

After reading other comments on the CFPB 's complaint portal, this appears to be common practice for Scottrade, so I guess it might be my fault. I should have researched Scottrade more. 

A warning for the wise. Do not do business with Scottrade if you expect even a hint of customer support.

Company response to consumer: Closed
Consumer complaint received 04-12-2017 about Bank account or service (Cashing a check without an account) with BOK FINANCIAL CORP (NM).
Issue: Account opening, closing, or management

Complaint: I was treated with disrespect at the bank in XXXX waited 30 min while teller was on the phone about my drivers lecense. Was not told WHY i was waiting? When i told the teller i was late for work he rudely put his hand up in my face to shut me up. Finally he was told to cash my chk and was done being obnoxiouse and RUDE. IN A SMART ALLEC way he tells me " thank you for your NOT patience!!! Because of his rudeness i will NEVER visit that establishment again. This teller needs to be addressed ... my mother has banked there for years and will be switching banks because of this ONE TELLER!

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( Experian, XXXX, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( Experian, XXXX, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

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 02-06-2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX XXXX XXXX XXXX sent me a fraudulent bill for a car I never rented

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My complaint is with Equifax. I contacted them in XXXX because I applied for a car loan. My bank told me that my credit report could not be pulled up from Equifax, but they are able to pull my report from XXXX and XXXX. I was told that another person 's record was linked to mine- in order to correct this I was told to submit via fax- a photocopy of my IDs and my social security card. I did. 3 times. I even wrote a letter stating that it was my 3rd time submitting my information. Some time later I call to verify if that items were received -- it was but Equifax could still not pull my report. I was told to contact my bank to ensure that they were reporting my line of credit to Equifax. They have been. I was told that Equifax would correct the issue and it would take a month. I called to check if my record was fixed a few days ago and I was told to contact the XXXX. They were closed. I called yesterday and Equifax never received any of the documents that I had faxed back in XX/XX/2016. I was told to resubmit all the info again! I will be leaving for XXXX and this issue still has not been corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 07/23/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing/Cancelling account

Complaint: Bank of America issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''

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 09/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Rewards

Complaint: I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: I had Care Credit Credit Card with Synchrony Bank. On XX/XX/2016 i paid the Balance {$50.00} and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On XX/XX/2016 I paid {$260.00} and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open.

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 07-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. <P/>As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. <P/>I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Account opening, closing, or management

Complaint: I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, Experian, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.

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 09-08-2017 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: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in 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/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. 

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 as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX Open dispute complaint against vendor for refund of merchandise. Tried to work out with vendor prior. 
XX/XX/XXXX Received correspondence that complaint was closed as I still had merchandise. No further instructions given XX/XX/XXXX Advised bank that merchandise return along with proof XX/XX/XXXX Bank advised that I had until XX/XX/XXXX to respond. XX/XX/XXXX, did not advise of this. Thus my account was rebilled and no refund issue. Bank advises that case is closed

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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation