milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: **This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax lost consumers ' private information to hackers and my information is also hacked according to them. It happened maybe 3 months ago and now they are reporting it? XXXX. 
If impacted, they should 've automatically put my credit profile on freeze and alert other credit reporting agencies. 

I even had to pay {$10.00} to XXXX to freeze my credit for equifax 's fault 'cause I am a CA resident. Unacceptable!

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 Southern Management Systems Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Problems caused by my funds being low

Complaint: My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: we are a franchise restaurant business group, some one broke my lock box of my truck between XX/XX/XXXX then he stole a way all of my checks and my other documents, after 2 days I was going to issue a check to my constructor for plumbing, I realized that my lock box got broken and my check book was stole, that day was XX/XX/XXXX I called chase right away, I told them I lost my check book please void all my checks, they did not ask me to close my account for security reason. after that I order a new check book from chase website, and then the guy who stole my check book start depositing my checks in different amount in XXXX times for {$44000.00}. I realized it a week latter because we have more than XXXX bank account I do n't really check my account. we called XXXX XXXX away after I realized it that was XX/XX/XXXX, three of us the XXXX OF the BUSINESE OWNER and the CFO AND the store XXXX, we told chase our account been stole money out plz freeze our account and made a claim for this happened. I thought this is done for losing money from my account! it is not! the guy deposit 5 more checks after we called and claimed!!! the total amount we lost is XXXX, I download all checks image what they deposit, I found something funny is 3 of the 24 checks I lost they did not even sign anything on the space where people spouse to sign, but chase still deposit for them without any signing, other than those 3 checks are all signed in different names! we got a call back from chase at XX/XX/XXXX they refused to pay us back for what we lost because I did not security our check at a safe place, but I told them I secured my check at the lock box of my truck but they want me to fill out a new police report because the one I gave them before I said I may forgot my check book at my truck, but what I mean is I secured the check book at the lock box of my truck, they keep using this point to fight me, my detector been calling me to ask chase call him back but chase never does! i been telling chase i am sure secured my check book at my lock box of my truck, but someone broken it in i can not protect it. we are really having troubles with founding now, we are out of cash flow, the construction of our restaurant must be stopped in 3 days because we are short of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have lived in my home since 2005. However, I suffered a loss of income and got behind and got behind on my mortgage. I have regained full employment and have tried to get assistance from the mortgage, but have been denied. 
The only option they propose is a short sale. When asked the reason for the denial the answer is " the investor XXXX '' has not given authorization. When contacted, XXXX says the bank has the responsibility. 
This is very confusing and frustrating. I do not want to lose my home. 
A previous compliant was filed last XXXX. However, the CFPB representatives have been unable to locate the results.

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 07/27/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am being contact because Navient claims I am a customer reference listed by my sister. I have told them repeatedly that I have nothing to do with her accounts and to stop calling me. They leave me voice messages threatening to take further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Late fee

Complaint: Opened a credit card with Comenity Bank. Charged {$14.00} then returned an item totaling {$8.00}. Never received a credit for the return. Have been charged over {$50.00} in late fees since XXXX 2016. Called the bank several times said they will not stop the late charges while this amount is in dispute. Closed the charge account. How can I get them to credit these late charges or stop charging me late fees? Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At first,  XXXX   XXXX  and  XXXX  put a negative remark on my credit report using all   XXXX   credit bureaus. This was in  XXXX   XXXX . They said that I owed {$300.00} to  XXXX . I had disconnected  XXXX  service effective  XXXX   XXXX . There was nothing owed to  XXXX  I wrote to  XXXX   XXXX  and  XXXX  and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent  XXXX  bill. I have disputed and  this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.

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 07/22/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with U.S. BANCORP (CA).
Issue: APR or interest rate

Complaint: US Bank credit card with zero percent offer balance & purchases. Although the purchases are being paid off monthly, the bank still charges an interest charge because there is another balance on the card ( at zero interest ). contacted the bank every month it occurs however the reps just reverse the fee and tell me to call again when that occurs instead of working on fixing the issue. Payments must go to higher interest balances first so paying off the purchases before the due date should not cause any interest charges.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX  cant answer any questions, I need some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (MT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I discovered my fico score said I have XXXX collections. I knew that was wrong because i always pay my bills. I tried to find out what could be on my report. First of all, it seemed very fishy, because, both were exactly {$170.00}. Then I found out that the bill was for sprint and I had not had sprint for at least 5 years, approximately. Why would I have a bill from XXXX, who never contacted me since my final bill, years 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 non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2015 I went in line to request a free copy of my credit report. I had not done so for a couple of years. I went to Experian XXXX to request the report. XXXX agencies asked that I provide a credit card number and indicated they would charge me {$1.00} for the credit report. I provided the information and agreed to the {$1.00} charge since it was a small sum ( although they should provide the report free of charge ). The next day I was charged {$49.00} by Experian and received and email indicating that I had signed up for their credit monitoring service. On XXXX XXXX, 2015 I was charged {$17.00} by XXXX. I called XXXX agencies to inquire of the charges and they indicated I had signed up for the credit monitoring service. I DID NOT sign up for such service so I told them to cancel immediately and requested they reverse the charges. They refused to reverse the charges but I am disputing them with my credit card company. I believe these agencies engage in deceptive advertising and their web sites are also highly deceptive. Consumers should be warned not to go to their web sites and if they do, be very careful. This is a real " rip-off '' and I suspect there are many consumers who have experienced what I did when I was merely trying to obtain a free credit report which I am entitled to at least XXXX a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote Transunion in XX/XX/XXXX as I have multiple issues on my credit report. I included a current utility bill copy showing name and residence, copies of my social security card, and drivers license. They have not responded to me.

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