milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Auto) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you

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 10/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I found out that there were XXXX additional names being reported on my credit. ( XXXX mortgages,XXXX auto loans and $ XXXX in debt - NONE of which are mine ). I was unable to access online information, since the security questions did not pertain to me so I faxed a dispute ( XXXX different times ). I have not received any information regarding this issue and names and accounts are still on there. I really have no idea where to go from here! I am looking to purchase my first home, but with my credit in the state it is currently in, this is not an option. Someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I went to XXXX XXXX. I took out federal loans. When I got out of school consolidated the federal loans. I kept getting a bill from Sallie Mae. I called them and asked them why and they told me the bill was for my private loans. I never signed any agreement for private loans. I refused to pay on them. They kept telling me they had a truth in lending agreement for the private loans but never produced one. It was XXXX loans in all. The only thing I signed was an application for the federal loans. I was told by a lawyer that these private loans are not legal without a contract. At one point a Sallie Mae collector told me that it was a verbal agreement that the private loans were taken out on. I can not afford a lawyer to get rid of these loans and they are keeping my credit down.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.

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 04/24/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have reviewed the statements that were sent by  XXXX   XXXX  on  XXXX / XXXX /  XXXX  .   First of all, you have violat ed HIPAA on m ultiple accounts for myself and minor children. My requests have specifically ask ed American Account & Advisors ,   Inc. to p rovide a signed contract between myself and  American Account & Advisors , Inc. pro ving that I owe this debt to you. Never have I asked for verification of service.   Secondly, there is a discrepancy between the statements you sent me and what you are reporting on my credit report. The amounts and number of accounts does not match. You are in violation of reporting the credit bureau inaccurate information.   Third of all, these dates of services were included in my bankruptcy and should not have been sent to collections. I have attached my discharge papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I pay  my Citi  credit card in full each month.  YTD  I have spent {$38000.00} on their card so I am a pretty good customer and pay the balance in full each month. Today, I tried to use the card and was declined. After calling the company, they told me that my payment was 5 days late and they froze my line. The payment due date was the  XXXX  and today is the  XXXX , which seems like 3 days, not 5. There was no nottation in my statement that the availability would be curtailed at 5 days late and I was only 3 days late to pay - I paid the card in full this afternoon.     I asked that a complaint be filed and also asked how to contact the CFPB.  Citi w as reluctant to file a complaint and the representative told me that the situation had been resolved so no complaint needed to be filed. I protested and they finally agreed to file a complaint but had no information about whether I would be contacted or what the complaints process is.  Thier  representatives were not familiar with the CPFB. Additionally I was given contradictory information from  2  different representatives about crediting  Milage  to my account.     All in all a bad experience and my future business will go to my  XXXX   XXXX  and  XXXX  cards.

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 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).

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 09-09-2016 about Credit card () with IBERIABANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Iberia Bank debit card was compromised by a criminal. I noticed fraudulent activity on my account, on XXXX/XXXX/16, with XXXX separate charges, all on the same day for a grand total of {$800.00} ( $ XXXX $ XXXX {$200.00}, and {$6.00} in transaction fees, {$2.00} for each withdrawal ). This is alarming, because I had my card with me the whole time, and never shared my card, or information with anyone. This means someone had illegally accessed my PIN, and had a device to make withdrawals at an ATM, that emulated my card. During the time of the fraudulent activity ( which took place in XXXX XXXX, XXXX, FL, approx 50 minutes away from where I live ), I was making purchases, and atm withdrawals in XXXX XXXX of residence. This proves that I was not present for the fraudulent charges in XXXX, FL. The bank has since denied my claim, and has left me as a small business owner ( self employed ) to fit the bill, for their ineptitude of keeping my account secure from criminals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax continues to attempt to keep my report from me

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notice that an inquiry from XXXX was on my credit report. I did not authorize XXXX to run my credit for anything. I filed a dispute with Equifax indicating the inquiry was fraud and requested for the inquiry to be deleted. The inquiry dropped my score XXXX points. In less than 24 hours I received an email from Equifax indicating the dispute was complete and inquiries are factual. I called Equifax and explained to them if they could not prove the inquiry it must be deleted. They informed me to contact XXXX. I contacted XXXX who told me to contact Equifax. This inquiry needs to be removed ASAP. I did not do any business with XXXX that would result in an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have 2 inquiries that are on my report that supposed to have fallen off but are still reporting.

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 06/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 


XXXX Citi ThankYou points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. 


After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 


On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 


On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 


On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. 


On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 


Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 03/18/2016 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello My name is XXXX XXXX I have XXXXitems that have been removed from Equifax Credit report my Equifax credit score report is only reporting XXXX removed this is error all XXXX items that have been removed should be reflecting on my Equifax Credit Score not just XXXX .I 'm in the process of buying a home and ca n't because Equifax is n't reporting these items this needs to be fixed as soon as possible. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MS).
Issue: Managing the loan or lease

Complaint: A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of 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 04/19/2017 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in   XXXX   XXXX  . My school taxes for  XXXX  were not paid at closing but put into escrow to be paid in   XXXX   XXXX   by my mortgage company  franklin american mortgage company . However. eventhough the mortgage company had the money to pay the school taxes for  XXXX  they did not until they were reported late in   XXXX   XXXX  .  XXXX  county tax collector started sending letters to my home about unpaid  XXXX  school taxes. after numerous hours and calls to different reps at my mortgage co they assured me the taxes were paid in   XXXX    However, instead of my mortgage company sending them to  the county  they sent them to the local tax collector for my school district.  XXXX  confirmed she received the check from the mortgage company but is unable to accept back taxes and that she returned the check about  XXXX  to the mortgage company. The problem is now that i have a lein placed on my home by the county from the beginning of  XXXX  because they have never received the funds. i as the consumer have been helpless in this. no one at the mortgage company has helped nor frankly cared to expedite this knowing the urgency since my intial call in   XXXX   XXXX   XXXX  now i have a lein and derogartoty marks on my home which potentially effects my home owner standings, future loans, refis etc. This is unafir, unjust, and unwarranted. i need help legal help asap please! my voice has not been heard or validated by  franklin american  mrtg company and their incompetence has led to my terrible situation.

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 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.

Company response to consumer: Closed with explanation