milesbutler/consumer_complaints huggingface dataset:
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 made my name, social security number, and address available to unauthorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Application processing delay

Complaint: I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

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 06/23/2017 about Checking or savings account (Checking account) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: XXXX XXXX XXXX XXXX failed to credit my account in the amount of {$2900.00} on X/XX/2017 as promised and documented on the date transactions was stopped. It has been several days now and still the amount is not within my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax send back results as verify by creditor when account has been dispose off or accounts have not been properly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Credit card) with URS Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whom It May Concern : I am writing this letter in response to the phone calls received at my work on ( XXXX/XXXX/16 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Bank of America has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.

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 05/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. 

As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. 

Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Struggling to pay mortgage

Complaint: My attorney has been working on my behalf for a short sale. In reading the notes on the constant delays with Roundpoint my attorney escalated the issues to a supervisor " XXXX ''. Based on the notes my attorney was never advised about HUD revisions in a timely manner only that variance was needed from HUD. As a result of ROUNDPOINT not giving this information to my attorney they asked to speak to the processor directly. The supervisor XXXX rudely declined this request. WHY??? I am the homeowner and the attorney is working on my behalf. This is unacceptable.

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 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can help

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 09/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was satisfied ( paid ) in XX/XX/XXXX, in full. Yet, the debt collector, Asset Acceptance LLC, keeps reporting it to the XXXX credit bureau that it was satisfied XXXX paid ) XX/XX/XXXX 

This is simply not true. XXXX refuses to contact Asset Acceptanceto get the date correct, and Asset Acceptance refuses to contactXXXX to make sure the correct date of satisfaction is listed asXX/XX/XXXX on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.

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 10-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I WAS ASSIGN AS AN AUTHORIZED USER ON TWO ACCOUNT WITH SYNCHRONY BANK, ONE WAS XXXX IN XX/XX/XXXX & XXXX XX/XX/XXXX. WHEN I REPORTED THE XXXX OF THE PRIMARY ACCOUNT HOLDER I WAS TOLD THE DEBT WAS MINES AND I WAS RESPONSIBLE. LOOKING BACK ON THE MY CREDIT REPORTS XXXX (  {$4100.00} ) IS LISTED AS AUTHORIZED USER WHICH TO MY UNDERSTANDING SHOULD HAVE NOT BEEN LISTED AT ALL ON MY CREDIT REPORTS AND LATER THEY LISTED IT AS A JOINT ACCOUNT, AND XXXX ( {$3200.00} ) IS NOT LISTED AT ALL UNTIL AFTER HIS XXXX. I HAVE PROOF OF DOCUMENTS AND REPORTS. WHICH I HAVE BEEN SUMMONS TO COURT.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This complaint is in response to an issue I have encountered with Equifax today ( XXXX XXXX, 2017 ) : I was notified by my credit card company that my Equifax account was frozen and that they were unable to pull my report. Since I had not requested the freeze on my account, I called Equifax. After giving the representative, my name, address, social security number, my credit card names and limits, and my previous addresses, the representative verified my identity, and explained that my account was on hold because I had changed my name earlier in the year. The Equifax representative explained that the hold could be removed once I faxed a copy of my Social Security Card and Driver 's License. 
After all of the issues Equifax has had with data security, I do not feel comfortable sending photocopies of my Social Security Card and Driver 's License. I understand that Equifax already has my Social Security Number and Driver 's license number, yet they do not have photo copies the physical cards. I refused to submit this data to Equifax as I had already verbally giving them all the data necessary to validate my identity. I have also changed my name with every account that reports my credit to Equifax. 
The conversation ended with the Equifax Representative stating that my credit report will be on hold until I submit the requested photo copies. 

Here are some salient facts : Equifax 's data security can not be trusted. 
Equifax is asking for photo copies of my SS card and DL, even though I had already verified my identity with security questions and my credit card companies. 
I did not choose to have my information sent to Equifax. The credit card company utilizes their services. 
Equifax is holding my credit history hostage until I release more data to them that they can potentially lose to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Credit Collection Services in  XXXX , MA about a debt they claim to have that is suppose to be mine. I reached out to them as soon as I got the letter and sent a debt validation letter where they are required to : Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.  <P/> I also asked for proof of them being licensed in NC where I live and is a requirement for debt collection to be licensed/bonded here in order to try to a collect debt in NC. I only received a letter back with no proof of being licensed, and debt not being validated correctly per the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IN).
Issue: Account opening, closing, or management

Complaint: Twice in the past 18 months JP Morgan Chase has without cause reduced the credit line on all of my Chase credit cards to within {$400.00} dollars of the current balance, all at once. This XXXX incident they did n't notify me in advance. Their actions has caused my ratio of available to used credit to artificially skyrocket, cause my XXXX score to plummet to a level where I 've been declined employment, my auto insurance rates have increased and credit is unavailable to me at an affordable rate. I 've never been late on a payment to Chase or any other creditor. This behavior is criminal. For those of us making the effort to repay our debts and not file bankruptcy, financial institutions like Chase make it virtually impossible to do so. They are

Company response to consumer: Closed with explanation