milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (WA).
Issue: Charged fees or interest you didn't expect

Complaint: my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.

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

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Dynamic Recovery Solutions has been pretending to be a law office and harassing myself and my family by calling our cell phones and leaving threatening voice mails on a regular basis. They insist that I call them back over a complaint that has been filed against me or that they will serve me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with Penn Credit Corporation (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Disputed before was removed after a couple of months being reported again. I have a attached letter from company stating that it will be removed

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with Franklin Collection Service, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After I wrote to the CFPB, I heard from Wells Fargo Representative a XXXX XXXX. I do not recall her last name at this point. She was not very pleasant and insisted that this is the first time Wells Fargo has ever done anything like this as far as ceasing the foreclosure on a home so late in the process. She also explain the foreclosure not has been called off and there is no foreclosure date at this point. 
I have submitted all paperwork for a short-sale to my realtor XXXX XXXX of XXXX XXXX. They have since submitted as of Friday XXXX XXXX, 2016 to Wells Fargo Home Mortgage. XXXX XXXX has a buyer for my home which that person qualifies and have submitted that paperwork as well. All the hard work or leg work has been done. My fear is that Wells Fargo will turn down the short-sale like they have done previously before, CFPB became involved at which I qualified for. 
They did not hear any request even when I told them I had a buyer. Wells Fargo Home Mortgage just ignored my request. They set a foreclosure date until CFPB became involved. Now the foreclosure date is removed. 
I am disable and a veteran. I have no income to relocate. I am still awaiting on the Appeals from both my VA and Social Security XXXX. This short-sale and the relocation monies, it will greatly improving my chances of not being homeless, restore my credit, and XXXX day buy another home. If not given this opportunity my credit will be in shambles and very hard for me to start over. 
As I have stated above, it was unlikely for Wells Fargo to hear anything I said and they did not want to help me but pretended they would help. I am a first time homeowner, and I know nothing about buying a house or the litigations of what banks can do to homeowners or the power they have of not helping the homeowners, but pretend they are helping by sending letters saying they are here to help ; but when you call them they become very evasive and speak in terms that no ordinary person would understand, only a person who has a XXXX XXXX could comprehend. I feel helpless and fearful that I will be homeless very soon. Please 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your 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 11/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Billing statement

Complaint: I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.

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 11/30/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Tried disputing several times with Equifax. They wo n't take it off, and half the time their online dispute wo n't even work. Tried talking to a customer support guy about it and instead of addressing the issue, referred me to an article that had nothing to do with my problem and then disconnected on me. The XXXX accounts in question are the primary care partners ones, and I even attached proof that they were paid, which I will do so again. The document shows the credit card charge, which has the collection agencies account numer and phone number listed right there.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I called several times Equifax and sent letters and faxes concerning a judgement, collections and unauthorized inquires showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 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 disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, an XXXX, FL based company has run a hard inquiry on my credit. This inquiry was placed on XX/XX/XXXX. This is an issue because I having been living in XXXX, TX since XX/XX/XXXX as a XXXX student at the XXXX XXXX XXXX XXXX XXXX. I still reside in XXXX, TX, where I am currently employed.

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 08/23/2017 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: Account status incorrect

Complaint: The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquiries on my credit that I need removed from my credit reports. I was led to believe that these inquiries would soft pull credit checks.

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 08/22/2017 about Debt collection (Payday loan debt) with EZCORP, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I 'm being threatened with legal action for an account that was closed in bankruptcy in 2010. This account is about 15 years old and is not actionable. I plan to sue this company for illegal collection practices. XXXX XXXX from XXXX XXXX is in direct violation of fdcpa collection practices. They will both be named in the lawsuit. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Credit Bureau Collection Services, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed these XXXX accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly

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 07/30/2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.

Company response to consumer: Closed with explanation