milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 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 enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Credit card protection / Debt protection

Complaint: I called Chase Bank to cancel my Chase United Mileage Plus credit card. They had just applied the {$95.00} annual feel for 2017 to my bill. I had n't used the card in some time so i canceled the card. I asked for a pro-rated refund of my annual fee but both the customer service agent and their supervisor refused to do so. So Chase is keeping my annual fee for a card which has been canceled. When I have canceled cards from other credit card companies, I have always received a pro-rated refund. Unfortunately, Chase chooses to have a different level of customer service which makes it a bank I will choose not to do business with in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Report is reporting wrong information. Report is fiction

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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result.. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 11/20/2017 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: Investigation took more than 30 days

Complaint: 50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XX/XX/XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.

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 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.

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 06-07-2016 about Credit card () with SYNCHRONY FINANCIAL (AK).
Issue: Other

Complaint: I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!

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 05/25/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by a dept collection company named XXXX XXXX XXXX from XXXX, NY. They called me posing as a government official within my county stating that they are serving me papers for a law suit to my home. I contacted the county and come to find out that its not true. They also are impersonating a fake law firm called " XXXX XXXX XXXX & XXXX. They mislead me into making a payment to them stating that they were suing me and I would like to bring this matter to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.

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 05/27/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I had a long standing credit card with BB & T that was opened because liek XXXX XXXX XXXX BB & T had pushed their employees to open credit cards for customers. It was fine, I used it for a while and then decided to stop using it because I did not like BB & T customer service or fraud protection. I let BB & T know this and suddenly my account was closed due to suspected fraud. There had not been any charges on it for months and it was being paid, so I have no idea what the " suspected fraud '' was and BB & T will only respond with nonsensical answers to that question. The truth is that most likely it was in retaliation for my conversation with customer service. I do not care about the account and had planned to close it anyway. The problem is that it is derogatory in my credit report now because it is showing a balance due and closed by the issuer -- that is a red flag and it has delayed my mortgage application. I alsed BB & T to simply remove it and XXXX XXXX of BB & T falsely claimed that they are required to continue reporting this by the Fair Credit Reporting Act. She also included letters that were supposedly sent to me about the suspected fraud, but given that there were no charges on teh account, again -- I have no idea what they are talking about. It is clearly a XXXX attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Early Warning systems is reporting information that does not belong to me. I have asked several times for a copy of my report and they keep telling me they will email me the report but to this date I have never received anything! It 's been over two months now. They are stating I have a account with XXXX XXXX XXXX, I do not, THE NAME THEY ARE REPORTING FOR XXXX XXXX XXXX IS DIFFERENT FROM MY LAST NAME. MY LAST NAME IS XXXX NOT XXXX! ALSO THEY ARE REPORTING THE SAME THING FOR A BANK CALLED XXXX XXXX XXXX, AGAIN I HAVE NEVER HEARD OF THIS COMPANY, AND MY LAST NAME IS XXXX. WHEN I CONTACTED THE BANKS DIRECTLY I WAS TOLD THEY CAN NOT FIND ME ANYWHERE IN THEIR SYSTEMS! BECAUSE EARLY WARNING SYSTEMS HAS REFUSED TO PROVIDE ME WITH A COPY OF MY REPORT THEY HAVE PREVENTED ME FROM DISPUTING THE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with McCalla Raymer Leibert Pierce, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I have contacted citibank and can not get through to there XXXX fraud department or to anyone knowledgeable. On XXXX XXXX, I placed a fraud alert on my credit report due to recent fraudulent activity wit XXXX XXXX. XXXX XXXX, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type of card was applied for. That is absolutely ridiculous! How can I know what type of card was applied for? Am I supposed to find the person who did it and ask them? All I would like is for the information to be taken off of my account.

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 03/28/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We received info from you that Ditech send a letter stating they had sent repayment papers to use on XX/XX/XXXX.Wr have not gotten any paperwork from DITECH for payment schedule or and letter from legal Dept and the rep from. XXXX XXXX re they playing a game.Theu will not take payment or the reps have no knowledge of payment plan What do we do for the company to let us keep our house and make payment. Thank you.Who else can I call Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount 574 as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Debt collection (Medical debt) with PlusFour, Inc (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I  live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX   and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of XX/XX/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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.

Company response to consumer: Closed with explanation