milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!

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. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax was hacked and my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX 2016, I applied for a credit card from XXXX and was denied based upon my Experian credit report. In XXXX 2016, I requested Experian send me a copy of my credit report and Experian refused.

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 12/24/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with V and H Portfolio (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Medical) with The Receivable Management Services Corporation (NM).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Medical procedure was paid for by XXXX/XXXX back in XX/XX/XXXX. In XX/XX/XXXX, 5 years post-procedure, we rec 'd letter from debt collector Receivable Management Services Corp., asking us to reimburse XXXX/XXXX for the cost of the procedure ( XXXX ). We wrote them a letter to cease and desist, due to the time elapsed since the procedure, and that it was paid by XXXX/XXXX originally. Seems odd that this is now happening 5 years after XXXX/XXXX paid for it.

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 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony bank calls and hangs up repeatedly everyday several times a day. I had a care credit account with them, which has since been paid off. I filed a previous complaint before because of the same tactics. Complaint # XXXX. 

Have no idea why they continue to call. I called them about 2 weeks ago and told them to close the account and purge all of my personnal information from their system, that I never wanted to hear from them again. Now the calls have started again. I need help, this company is harrassing for no reason. They have been asked to stop and purge my info. The recorded the call when I asked them to stop, I told the person that I was talking to, to make sure that management heard the recording. Obviously that did not work. What can I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit card () with DISCOVER BANK (MD).
Issue: Closing/Cancelling account

Complaint: I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After receiving many solicitation emails, in XX/XX/XXXX I filled out an application with XXXX XXXX in order to obtain a loan. 
I specified exactly what my credit score was and was told that they can get me something in the low 20 % annual range. 
Because I have a low credit score, I understand that I ca n't get a much better annual interest rate than that and XXXX, the owner of the company, seemed like a bit less of a vulture than all the others I had spoken to in the prior couple of years. 
Of course, as soon as my credit score came back ( with exactly the score I had already told them I have ), the annual interest rate jumped to 34 %. 
Because an interest rate like this is the equivalent of suicide in my business, I turned the rate down. However, XXXX ( who again seemed very nice and sincere ) said he would contact me again in the future to see if he could do better. 
On XX/XX/XXXX, XXXX from XXXX XXXX called me and said they have many new programs available since last we spoke and that ALL she needs to let me know what I qualify for is my last 3 months bank statements. XXXX actually even followed up on this phone call with an email that said when you send me these statements include how much funding yiu are seeking. 
Since the last 3 months bank statements do not hurt my already suffering on life support credit score, and XXXX had already told me that he would contact me again if he had a better offer for me, I sent her my last 3 months bank statements. What XXXX failed to mention was that she was going to pull my credit score as a hard inquiry. This is something I would NEVER allow. I receive at least a dozen phone calls on a daily basis. I do not allow anyone to pull my credit score. 
The only thing I allowed XXXX to do was to review my 3 prior months ' bank statements as she herself said she would be doing. 
As much as I can, I make every effort to be vigilant about my credit history. I am completely ashamed of myself that I was duped by one of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: I have a XXXX entry from Chase Bank stating " suspected fraud '' from 2012. I dispute this claim. I am not able to open checking accounts or receive a debit card from any institution due to this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (IL).
Issue: Managing the loan or lease

Complaint: I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Company That We Are Making Payments To Towards My Credit Isnt Reporting Because Its Not Showing On My Credit Score.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
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: This is a reply to Bank of America, NA 's ( BANA )  response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that BANA had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, BANA signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. BANA filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why BANA believes the loan first became delinquent in XXXX 2012. 2 ) Why BANA believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of 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 explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Money transfers (Domestic (US) money transfer) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Other transaction issues

Complaint: I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. 

XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.

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 03/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been in a constant struggle with Bank of America for years now. 

In XX/XX/XXXX they began taking {$50.00} credit card payments from my savings account to pay off a credit card that I owed nothing to. My balance was at XXXX. 

In XX/XX/XXXX I finally noticed them draining my account and went into a branch who told me they could send me " {$200.00} '' checks in the mail to pay me back for my debit. 

I turned off payments in XX/XX/XXXX and never turned them back on. 
I also never received the full balance they owed me in checks. 

Some months later, BofA turned the payments back on without my consent and began charging my card {$50.00} every month again although I still did not owe anything. 

In XX/XX/XXXX, I noticed they had turned payments back on and I shut the payments off. They told me they were going to launch an investigation into how much they owed me and it would take 3 months. In XX/XX/XXXX I received a check for only {$200.00} ( far less than what they owed me ) and they continued to charge my card. 

By now they had drained my savings so much that they were now charging me maintenance fees too. 

In XX/XX/XXXX, I noticed they had turned my payments back on AGAIN without my consent and were charging me AGAIN. I went online to shut them off and my online account said I did not have any payments to shut off therefor could not shut them off. The representative saw what I saw as well and notified tech - she launched another investigation internally with BofA to see what was going on. 

She tried to calculate up how much BofA had calculated they owed me over the course of 6 years and their total was {$800.00} - far less than what they actually owed me. 

it is now XX/XX/XXXX and no one has turned off my {$50.00} payments and I still am not able to turn them off on my own. I have been sent {$800.00} and am owed far more. I am currently documenting all details and exactly how much I am owed. Should be an estimated {$2400.00} ( 6 years minus the small payments they have made to me ). + they owe me for the maintenance fees that their systems caused and the time I have gone without my money in my account AND the time I have wasted trying to sort this out. 

If they are doing this to me - they are doing this to other people as well.

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 01-09-2018 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: XXXX take XXXX $ of my money out my Account and I never receive the items I purchase ... Filed a dispute with the bank and they denied it ... say it nothing else they can do to help me at this point ... do n't really know the Exact date ... but it was in XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Medical debt) with PlusFour, Inc (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just  XXXX   XXXX . Its  XXXX   XXXX   XXXX  and I Do n't have   XXXX   on my name. I Do n't know who this person is and ther e may be  more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me.   XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: This scam uses many, many different telephone # s. These harassment calls only started when I dropped XXXX XXXX XXXX as my home and cell phone carrier, so the calls could be originating from XXXX XXXX XXXX --  who else would have an endless supply of fake telephone # s to call from?? The calls are recorded and talk about reducing Student Loan Debt. 
I HAVE NEVER HAD A STUDENT LOAN IN MY LIFE.

Company response to consumer: Closed with explanation