milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 reached out and disputed with equifax, XXXX, and XXXX  about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i rep [ orted to both XXXX and bank of america and XXXX ic3 file called agent XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX cellXXXX ... bank of america card #  XXXX XXXX XXXX # 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 04/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problems caused by my funds being low

Complaint: Using the Bank of America online banking system, I transfered money to my daughter into her Bank of America account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Bank of America explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Bank of America are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX - XXXX XXXX/XXXX/2015 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Account # XXXX SSN # XXXX I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on XXXX/XXXX/2015 and I got approved another store card credit line of {$2500.00} ( Last XXXX account number ending XXXX ) After I contacted call center again they said they given wrong information for re-apply new account. 
I advise them please combined my limit up to {$5000.00} and closed the account ending last XXXX number XXXX. And they agreed removed hard inquiry on XXXX/XXXX/2015 and as well as removed accounts ( # XXXX ) Major Credit bureau files. 
Right now I can see credit department closed my account ( # XXXX ). Still hard inquiry and accounts remains my credit Bureau files.No credit Llimit combined and no upgrade card to visa card. 
Please resolve my issue as soon as possible. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack.It is not acceptable whatsoever to have me PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with United Collection Bureau, Inc. (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Savings account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...

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 04/23/2015 about Mortgage (Other mortgage) with National Asset Advisors, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees. 
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tried calling and was hung up on, then calling back and always on hold waiting. Capital one # XXXX XXXX I did not inquire for anything or anyone to Capital one. Hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint and concern is against Equifax. I have disputed several items and credit inquiries with this bureau. Equifax is the worst credit reporting bureau when it comes to the consumers. When I call, I get the run around and faslse information. I disputed inquiries that I did not authorize and I had a fraud alert on my file and still do till this day. These inquiries are not associated with any account I have or for any Firm offer of credit, Insurance, Employment or court order. Equifax sent me a letter stating, to call the company who put this inquiry on my file. I called all these companies and was told they do n't remove inquiries. And to call the credit bureau to do so. It 's a bunch of back and forth. Equifax do not to attempt to remove unauthorized inquiries. The only thing they do is keep a " fraud alert '' on my file even though noone has ever called me to verify information. And all this inquiries was done online not in person. 
Another concern is I have a company named XXXX on ( XXXX ) on my file. I have attached my credit report for verification. XXXX and XXXX has removed this account that is not mine. However, Equifax failed to do so. Equifax is not and have not properly investigated this account. If the other XXXX bureaus could not legitimate reason for the account and removed it. Why have n't Equifax done so. ( Please remove ) Last but not least. I have attached a letter from Dept of Education. They sent authorization for all XXXX bureaus to remove this account due to rehabilitation. The credit bureaus removed the account EXCEPT Equifax. It still remains on my account only for Equifax. Clearly Equifax is not here to help the consumers when properly verifying and clearly is not upholding to FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I sold all my crypto currency on coinbase and had them wire the money to my bank account on XX/XX/XXXX. Both ether and bitcoins. The transaction shows as completed in the app but I haven't received any payment on my bank account as of now. I did get in touch with customer service and they said they will investigate and will follow-up with me - this was on XX/XX/XXXX. I haven't heard anything back from them since although I followed up twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. 

I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. 

I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.

Company response to consumer: Closed with explanation