milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with Strategic Alliances, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Greetree ( changed name to Ditech servicing ) calls me all hours of the night. A representative name XXXX calls me. I told them that the only number the are allowed to contact me on is XXXX. My mother has said they also call on their number which is a separate line from my own line. Even after telling them this for months and years they still abuse this. As I have said before that the only line that I can be reach is on XXXX. I work from home and that is the only number that they can contact me regarding any information about the mortgage. I do n't know how clear I can be on discussing this with them regarding XXXX constant harassment. I am also considering legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Collection Services, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report. I have not received any medical services in question. <P/>You have 4 bus days to stop reporting and delete the accounts once you have received my documents. <P/>FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a  statement by the consumer that the information

Company response to consumer: Untimely response
Consumer complaint received 07/18/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: APR or interest rate

Complaint: On XXXX/XXXX/XXXX I charged {$500.00} to my carecredit card to have vet work done for my mom 's cat. We took advantage of a 12 month promotion. Pay if off in 12 months and we would n't be charged interest. We budgeted $ XXXX/month for the payments, with the belief that it would be paid off within 11 months. Due to some cat rescue work, I did have to make some additional charges on the card ; however, I kept paying $ XXXX/month with the belief that it would be applied to the oldest charge first, which I believe is part of the new regulations. However, on XXXX/XXXX/XXXX when I was paying my bills, imagine my surprise that the balance showed over {$100.00} on the promotional balance. I called on XXXX/XXXX/XXXX and discovered that for XX/XX/XXXX - XX/XX/XXXX ( as well as possibly earlier ) my payments were only partially applied to the promotional balance. She credited over {$20.00} from each payment ; however, that left me with a {$5.00} balance on the promotional payment. I have paid that as of today and hope to see it cleared tomorrow. However, this does not excuse the fact that Synchrony Bank/Care Credit applied my payments willy-nilly so they would be able to charge the full years ' worth of interest on the entire {$500.00}.

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 03/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XX/XX/XXXX to XX/XX/XXXX and was n't disclosed until XX/XX/XXXX. Additional analysis has since indicated that Equifax was breached even before XX/XX/XXXX and was n't disclosed. Equifax was negligent in updating open source software.
Equifax has made poor attempts to help consumers. Calling leads to busy signals or long holds. The complimentary service offered ca n't handle the traffic and is very slow and frequently out of service. 

In a previous complaint Equifax sent a " canned '' response ( noted below ) which directs users to call centers and websites which are frequently overwhelmed and understaffed. 

Thank you for contacting Equifax. We remain focused on consumer protection and committed to providing outstanding service and support. Protecting the security of the information in our possession is a responsibility we take very seriously and we apologize for the concern and frustration this cybersecurity incident causes. We have developed a comprehensive portfolio of services to support all U.S. consumers. Please refer to our dedicated website, https : //www.equifaxsecurity2017.com, for the latest information and updates or contact our dedicated call center at XXXX. The call center was set up to assist consumers and is open every day ( including weekends ) from XXXX XXXX XXXX XXXX Eastern time. 

If the same response is provided again, we can gather that Equifax is n't even reading complaints and further action should be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and TransUnion WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and TransUnion will not properly investigate the account is the primary issue. I 've contact XXXX on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

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. (IA).
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. 

Because I am not a customer of Equifax, but forced to utilize their system to survive, I feel that Equifax should be held to a much higher standard than typical consumer services. Since a large portion of the population must use their systems, they have a responsibility above and beyond that of a service for which I voluntarily subscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A fraudulent transaction was made on my credit card on XX/XX/XXXX2017 for the amount of XXXX dollars with a promotional super check that was mailed out to my old mailing address where I would reside with my ex partner. The check was fraudulently used and signed with a forged signature by my ex partner. The check used was not filled out properly, therefore making it non-negotiable. Wells Fargo did not secure my credit card account at all by allowing this check to be processed. I have submitted a fraud claim and a reconsideration claim explaining why this transaction should be removed and cleared from my account but Wells Fargo keeps denying it with the reason that the signature on the check belongs to me, I have explained to wells Fargo that the signature is forged and is not mine. I feel wells Fargo is not taking the time to investigate my case thoroughly. I believe as a consumer I am entitled for my credit card company to investigate this matter correctly and not just use the reason of the signatures matching.

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 01/16/2018 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, I had rented a 1 bdrm apartment for $ XXXX/mos for a 6 month term at XXXX XXXX in XXXX XXXX, Sc. This collections balance had NOT shown up on my credit until recently. They had initially reported that I owed {$2100.00}. 
I then reached out to their parent company, XXXX XXXX, and spoke via email with XXXX XXXX regarding this erroneous charge as I only had a 6mos lease there. I had then sent XXXX some backup documestation, including my written notice to vacate, dated on XX/XX/XXXX. XXXX had then stated that this community required a 60 day notice, and I had only given a 48 day notice. She had also indicated ( via email ) that she was " unsure '' as to what this balance was from as nothing was documented. I agreed to pay her the prorated amount between the 48 day to 60 day notice, but I REFUSE to pay $ 2k+ as 1 ) I DID NOT owe it 2 ) Why was I never notified of this for 3 years? 3 ) I have EVERYTHING documented and never once did the former leasing agent reach out to me for this supposed " past due amount ''. With that being said, XXXX had decreased the amount due on my credit report {$1000.00}, which proves my point that that $ 2k+ balance was never owed & why would they randomly knock off half of the amount due? 

As I told XXXX, I will pay the prorated amount owed between the 48/60 day notice on the apartment, because that is owed per the contract. However, I will NOT pay this $ 1200+/- balance they are showing that is due because it is n't. And I have plenty of backup documentation to prove it.

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 TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation