milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Other bank product/service) with POLARIS HOME FUNDING CORP (TN).
Issue: Account opening, closing, or management

Complaint: I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter.

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 07/13/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible.. 
XXXX has been notified it was from ID Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Credit determination

Complaint: US Bank sent me the attached letter advising me that " my '' request for a credit line increase could not be approved - but I never applied for a credit line increase. To the contrary, in an XXXX XXXX 2016 letter from me to the bank ( which was received by the bank on XXXX/XXXX/16 certified mail ) I specifically stated that I was NOT applying for a credit line increase and that I DID NOT want my credit pulled ( because it hurts my score ). US Bank 's attached reply indicates that the bank improperly performed a credit review against my wishes and ignored the substance of my XXXX XXXX letter entirely I had written to US Bank XXXX XXXX because I received a letter from them on that day, but dated XXXX XXXX, 2016 the bank reduced my credit line to only {$500.00}. I was shocked because i have excellent standing and history on my credit card with them which I referenced in my letter together with the inaccuracy of their citation to my credit score. I subscribe to credit monitoring and the score US Bank reported as justification to lower my limit was more than a XXXX point difference. That just was n't plausible. Plus the cited characteristics were inaccurate. I always pay on my account and was not even carrying a balance. But by lowering my available credit US Bank caused me damage because reducing credit does cause my score to drop, which it did - XXXX points. Ironically US Bank is therefore causing a negative impact to the score, which is what they are complaining about in the first place ( and which impacts my standing with other creditors ) This is all very upsetting and hurtful given that I am a responsible account holder. Moreover, after I took the time to write a detailed correspondence US Bank did not even send a meaningful reply. Instead, they delivered the nonsensical communication I have attached. They do n't value honest business. What a nerve!

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to 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 non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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 has improperly disclosed critical pieces of personally identifying information about me and millions of others. I refer to the massive Equifax security breach disclosed in XXXX 2017. I am one of millions of Americans whose data was exposed. 

As a result, millions of people like myself will need to spend extra time and money closely monitoring our credit and watching for identity theft -- for the rest of our lives. Equifax has released a ridiculously comprehensive data set about me that will allow anyone to completely steal my identity -- including filing a false tax return in my name, opening lines of credit, emptying my bank account, and doing any other malicious things in my name they can dream up. Once a complete set of my personal data like this is out there, the vulnerability is not something that will ever go away ; I will now be constantly under real and credible threat of identity theft until I die. 

Equifax acted with blatant disregard for the safety of me and millions of others. It failed at the one thing that was its charge : properly collecting and protecting the sensitive data that 's used by employers, creditors, and many others to make life-altering decisions about individuals and their financial futures. 

And now, on top of it, Equifax 's website will not even allow me to place a freeze on my credit, which is the one thing that could potentially protect me ( even though it means  that I, and millions of others, will henceforth need to manually unfreeze our credit every time a potential employer, creditor, or other authorized person needs to check our credit -- at a cost of {$10.00} every time -- and will need to be done for all 3 credit reporting agencies ).  The Equifax website timed-out when I attempted to freeze my credit, and then offered no recourse other than listing the mailing addresses of the other two reporting agencies. With the broken website and no apparent attempts to fix it, Equifax is failing to even maintain a functional mechanism for affected Americans to help abate the immediate threat of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.

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 09/16/2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize or have any idea why this inquiry is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: Hello I have been contacted by allXXXXy financial for a debt on a vehicle they financed to me for {$30000.00} sold for {$18000.00} now they are saying I owe XXXX for a vehicle I only had in my possession for a little over 3mons. How can I be responsible.the vehicle was impounded for driving under suspension but how could I be under suspension when I have to have full coverage upon driving off the lot

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 12/20/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (AL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The debt was removed off my credit report and added back on several months later. The debt need to be removed again off my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX/XXXX/2017 I went to a Chase ATM to deposit {$2000.00} in cash. The ATM ate/took my deposit and broke down on my transaction and did not give me my money back ( I have a receipt proving the ATM broke on my transaction as well ). I immediately called Chase and told them about the issue. Chase opened a claim and after a month of investigating they decided to only give me back {$430.00} from the {$2000.00} deposited. That means they took {$1500.00} and refuse to give it back. I was assigned to speak with XXXX at the Executive office, the phone number is XXXX extension XXXX ( XXXX XXXX. XXXX was very unhelpful and did not follow up with me once. It seemed like she was just waiting to close the case without properly investigating the issue. I would appreciate assistance in recovering my lost {$1500.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with Forest Recovery Services LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stuart-Lippman and Associates, Inc (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have   XXXX   accounts  with Stuart Lippman that I d isputed, due to the fact that these are payments to an insurance company for money owed to credit unions. I currently pay this money every month to a clerk of courts. After I filed the original dispute back in  XXXX  around the  XXXX , of  2017 ,  XXXX  accounts were removed from my credit files. However, around  XXXX   XXXX ,  2017   XXXX  of the accounts were added back to my file without my knowledge.   In accordance with t  he requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notifications  . This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Company is reporting late payments on 10 student loans and they are in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (I do not know) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (MD).
Issue: Account opening, closing, or management

Complaint: I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..

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 07-10-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,

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