milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent a valid police report several times to Equifax and they refuse to remove the fraudulent accounts on my credit report. they keep telling me they will not remove anything and that they are contacting the creditors. They automatically keep saying the accounts are valid and will not provide any proof these are vaild. They are indeed not valid!!! I am a XXXX veteran and Equifax is refusing to take any action to correct this situation of ID theft!! I want Equifax to remove these fraud accounts asap!!! Included in the most recent police report are all the fraud accounts listed. I 've been disputing these items for several months now with no avail!! not even with a police report will Equifax do anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN continues to report " hard '' inquiries into my credit file by XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. As all of these were to have been done as " soft '' inquiries, I simply want EXPERIAN to delete all of them ASAP as I have repeatedly requested and as required by law.

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 07-09-2016 about Debt collection (Medical) with The Receivable Management Services Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.

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 07-10-2017 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: Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company continues to report and attempt to collect on a debt that I paid in full over a year ago. The original creditor was XXXX and they are no longer attempting to collect, because I paid the debt in full.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Attempted to request Security Freeze on XXXX web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with Transunion was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
-

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 05-11-2017 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: Public record information inaccurate

Complaint: This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have medical bills showing on my credit report that do not belong to me. I have notified Equifax, XXXX and XXXX on several different occasions. They show XXXX accounts with XXXX ( XXXX ) & ( XXXX ) as well as XXXX ( XXXX ) and XXXX medical bills that do n't even list a creditor so I have no way of contacting them. I do n't have any negative credit so these erroneous accounts are having a huge impact on my credit. I am unable to establish credit because of these accounts that do not belong to me. I have reached out to the creditors for them to provide me with any proof that this is my debt and they just ignore me. Please help me resolve this issue. My address is also being misreported. they have an address in XXXX GA that I have never lived at and my current address that I have been at for years does n't show up at all. I have sent several letters to all XXXX credit bureaus and they ignore me. I ca n't apply for credit because of it and it causes problems when applying for jobs or insurance because my address does n't match.

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 06-04-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Rewards

Complaint: Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. 

However, the XX/XX/XXXX points ( Visa statement attached ) never posted. 

When I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. 

Can you convince Chase to make certain these points are sent to British Airways for me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On  XXXX / XXXX /   17  a  XXXX   XXXX   Visa  card was activated in my name. I do not have this card nor did I ask to receive this card. I have sent the company two messages using their secure messaging system on their website.

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 06-09-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO, on XX/XX/XXXX. At the time of purchase, the finance officer, XXXX XXXX, told me that because of my credit score, the bank they were working with would only lend me the money if I took out a {$3000.00}  insurance policy to insure my payments. I did not want insurance, but the finance manger told me I could not get the car without it. The total price of the car including all the fees and insurance was {$24000.00} and I gave them a {$7000.00} cashier 's check as a down payment. My monthly car payments are through Wells Fargo Dealer Services for 72 months at {$270.00} a month. I have this taken directly from my checking account each month, and I have never been late on a payment. <P/>I recently found out through my son, who is a XXXX, that the practice of obtaining a loan on the purchase of additional insurance is illegal ( FDIC Law, Part 343 - Consumer Protection is sales of insurance Sec. 343.10 and 343.30 ). I have been trying to contact the car dealership since XX/XX/XXXX, with unsatisfactory results. I have sent numerous emails and made several phone calls and left numerous messages, the latest being XX/XX/XXXX. I have spoken with the finance manager twice, and each time he informed me he would get back with me after he spoke with his general manager. I have not heard back from them. I would like for them to cancel the policy and refund my {$3000.00} plus all the high interest I have been paying on it. <P/>I am providing the dealership information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX General Manager : XXXX XXXX Sales Manager : XXXX XXXX Finance Manager : 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 12/17/2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: using and relying on false documents. 

The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.

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 05/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Prosper Marketplace, Inc. (CT).
Issue: Charged fees or interest you didn't expect

Complaint: I 'm returning under OMB #  XXXX . The interest rate charges were not explained properly and do n't give the consumer the right information to make a true informed decision to go ahead with accepting an approval from   Prosper. Had I known that the interest rates would be 60 % of the monthly installment, I would have never enter into this contract.
See the attach for payment history and interest rates. This is unethical for an American, unless it is a mortgage payment. I cant for the life of me, believe that our federal system would allow a company in America t  o  XXXX  Americans financially as  Prosper is  doing. Granted, people need help at certain times, but that help should n't come back and sting us to death. The reason for loans is to help revive us, not kill us.  Prosper  is trying to kill us financially. The 25 % interest rate is not the problem, the problem stems from how it is applied.     From the inception on  XXXX / XXXX / XXXX  of this {$10000.00} loan until  XXXX / XXXX / XXXX , I have paid {$13000.00}. This would be {$3700.00} in interest within such a short period of time. This should not be allowed by our country. I 'm asking that you stop this practice. It is fortunate that I am able to pay this off before the full term of the loan. If Proper 's practice is not corrected, I will mention my loan experiences that include s Prosper  on social media and the newspapers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: NES - National Enterprise Systems : They continue to call my place of work. They are lying saying my voicemail is full and giving messages to our corporate call center. I have been reprimanded for these continuous calls and now I am afraid of losing my job. Yesterday for example they called at XXXX ; XXXX ; XXXX ; and XXXX. Can someone please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Billing disputes

Complaint: Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX, I had XXXX checks clear my account. XXXX for {$300.00} and the other for {$160.00}. On XXXX/XXXX/15 I transfered money from my other checking account to cover ATM transactions and some other Credit transactions. Please see the attached document, which clearly shows I had a posititve balance post on XXXX, yet they still are charging me {$35.00} for each check that cleared. The other credit transactions, along with my transfer has not even posted yet. I understand an authorization was placed for those credit transactions, however, if the balance was negative on XXXX after checks cleared, why did they authorize more transactions? Wells Fargo has a habit of back posting debits/checks if they see it will make your account go negative. I have experienced on more than XXXX occasion, yet they wait to credit deposits. I have XXXX separate checking accounts ( XXXX are mine and XXXX is my son 's ) I realize having XXXX accounts confused me on which acct I was using for those credit transactions, which is why I immediately transfered cash from my other account, which had more than sufficient to cover my transactions. As you will see from the attached document, it shows a positive balance of {$18.00} AFTER the checks were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Payday loan) with Integrated Recovery Services (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.

Company response to consumer: Closed with explanation