milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/2018 I used an ATM what is apparently a non-coop ATM. The ATM charged a {$3.00} fee. I accepted the Fee as the Navy Federal bank account I have states I have ATM fee reimbursement up to {$10.00} per month. However, later that day I noticed an additional fee from Navy Federal which prompted me to call and ask about the fees. At that time I was told only the fee from Navy Federal would be refunded and not the fee from the ATM. I feel this is a violation of UDAAP as the Navy Federal advert does not make a distinction between Navy Federal ATM fees and other ATM fees. Also, the Navy Federal fee sheet only states that " The owner of a non-Navy Federal ATM may charge a fee. '' The fact that none of the information provided states that fees from non-Navy Federal ATMs will not be refunded is deceptive. I contacted Navy Federal about this issue and they referred me to the fee sheet attached, which still does not differentiate between Navy Federal ATM fees and other bank ATM Fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Items were added to my credit report without prior written notification Per FRCA Section 611 all items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Trans union is reporting hard inquires from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX these inquiries should not be on my report. These were soft pulls.

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 11/21/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have call XXXX three time to correct the information about Belk. I have XXXX account XXXX of those account that they have is over 7 years since it was report and it the account should have been take out. I could not get the foreign representatives to understand that. The information is on there two long.

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 03-02-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Settlement process and costs

Complaint: my wife and I have a XXXX loan. We have never missed a payment.When my wife and I signed the papers we were told it was a fixed rate mortgage. It was not explained how the interest was applied. Interest goes up just about every month. We have requested a modification numerous times, to no avail. We borrowed {$200000.00}. Upon request of the doc 's we learned that the amount that we have to pay over the term is {$480000.00}

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not know what this account is or who it belongs to. I've asked the credit reporting agencies to investigate and send me proof that this debt is mine and have had no success!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with The CMI Group, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Both of the collection accounts with Equifax have been previously disputed and removed form my report. Now they are back on the credit report. These need to be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with RS Clark and Associates, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

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 07/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had my identity stolen and a lot of my credit information at XXXX and XXXX still reflects information from the person who stole my identity ( including the verification questions, which makes it very difficult to answer the identifying questions online as they are reflective of the person that stole my identity, and not me. ) I would like the information removed and the verification questions made accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Many accounts were opened since XXXX 2015, due to Synchrony Bank 's failure to conduct proper process and procedures relative to granting credit. For months, Synchrony Bank has failed to cease opening fraudulent accounts in my name that incur criminally-based purchases. A review of my activity within the Institution clearly indicates a consistent stream of accounts that were opened even though the Bank was officially notified of my identify fraud situation. I filed police report information with the Bank and was promised profusely that this harassment would end. The lack of professional ethics and negligence by Synchrony regarding granting consumer credit is astounding. Security freezes, one 's prior history of improper Bank activity relative to her or his good name, overt warnings on all credit reports identifying not to extend credit without direct contact, and repetitive pushing back fraudulent charges, appear meaningless as Synchrony extends credit to the exact address placed in the police report. 
As an American citizen, I am appalled. The Bank seems to litter unsecured credit wherever it can ; therefore, I can not believe that I am unique in this credit-approval processes. To think that it appears meaningless to write-off all these purchases, thus, forcing the American public to 'eat ' the Bank 's poor business practices, reinforces the cultural image of distain for this industry. 
The countless hours of filing reports, writing letters, and telephone-holding with both credit bureaus and the Bank 's Fraud Department trying to remedy Synchrony 's inappropriate use of my identity sincerely contributes to being a victim of a major crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Transunion customer service would not help taking care of the negative inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Called Equifax and where told they can not remove these inquires off my report I need proof that I made these inquires called the companies and they have no knowledge of the accounts but Equifax still will not remove ... .. 
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 XXXX XXXX/XXXX/XXXX XXXX showed two times in one day XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Account opening, closing, or management

Complaint: I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid it.

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 01/19/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX

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 Experian Information Solutions Inc. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX allowed my information to be stolen from them. At this time, I am unable to secure a freeze on either XXXX XXXX and experian. All 3 agencies are timing out, hanging up or otherwise not able to complete my request for a credit freeze. In addition, I experian charged my bank acocunt XXXX for a freeze that they did not and could not apply to my credit report. So, I was charged XXXX dollars for a service I did n't receive.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX   2017  and continues now  XXXX   2017

Company response to consumer: Closed with explanation