milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was struck by a cyberattack which potentially put my personal information at risk, making me susceptible to identity theft and other forms of fraud now, and for potentially the rest of my life. This is unacceptable. My information should not have been shared or taken without my consent, and I should not be held personally responsible for the the possible damaging ramifications of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was  {$520.00} with red-card discount. 
XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. 
XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. 
XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. 
XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. 

So I did. Here. 

This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.

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 08/17/2017 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: Account status incorrect

Complaint: Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX toXX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXXthru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We completed a trial modification in XX/XX/XXXX that we were offered through Select Portfolio Servicing. SPS took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. SPS sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. SPS sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for SPS to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. XXXX XXXX is the noteholder and is refusing to honor principal or interest forgiveness. SPS did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XX/XX/XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (I do not know) with RGS Financial, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and multiple account were opened in my name. I reached out to Barclay Bank Delaware to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Action Collection Service (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit score has been lowered from the XXXX 's to the XXXX 's due a reported debt of {$260.00} by Action Collection Service, XXXX XXXX XXXX XXXX XXXX, ID XXXX. This debt was reported to XXXX in XXXX of XXXX. I have spoken and written to the agency, letter dated XXXX/XXXX/XXXX, their case # XXXX, and have not received a reply. XXXX refuses to remove the negative report. 
Prior to learning about the lower credit score, I have never had any contact either written or oral with Action or the Company it represents. Why then has my credit been damaged?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with DISCOVER BANK (WA).
Issue: Balance transfer

Complaint: I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,    2017, w e received a letter from  XXXX   XXXX   XXXX , Senior Vice President,  Loan Operations, Consumer Financial Services, for Wells Fargo. In that letter, I was informed, " [ i ] n a   recent review of your relationship wit h Wells Fargo, w e found that you have defaulted on a Wells Fargo loan account. As a result, we are closing your credit card account as of the date of this letter...  ". A copy of this letter is attached to this complaint. In addition, Wells Fargo has filed a credit report with  XXXX  notifying them that we 've defaulted on Well 's Fargo 's account ending in the digits    XXXX .      We 've reviewed Wells Fargo 's allegation and have determined they are false. Documentary evidence supporting our determination is attached. We have brought this matter to your attention because of concerns that Wells Fargo 's allegation is also potentially fraudulent. Discussions with Wells Fargo  staff today to attempt to resolve this issue have been inconclusive, and we are concerned about the inaccurate report to   XXXX   remaining on our credit report. In speaking with  XXXX  from  Wells Fargo 's  " executive office '' (  XXXX , extension  XXXX  ), we received the following information  : 1 ) this might have been a clerical error ; and/or 2 ) this might have been due to inappropriate activity on another Wells Fargo account ending in the dig its  XXXX . As described below, we have had no such account at any time. She has informed us this matter will require 10 days to resolve, however has not provided any additional information regarding the steps involved with the resolution.     Information pertinent to this matter is attached to this complaint :  1. The Wells Fargo ac count is paid by direct deposit from a  XXXX   XXXX  checking account. Attached is a record of on-time payments to th e Wells Fargo account going back well over one year .      2. Wells Fargo alle ges that we have an second account with them which we have defaulted upon. In reviewing our credit report, we do not have any accounts wit h Wells Fargo except for the one en ding in the digits  XXXX . Attached are a   XXXX  -bureau credit report documenting our account history, and a account report from  XXXX .   XXXX   of these show only the sin gle Wells Fargo account ending in digits  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 monetary relief
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (WA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I contacted rushcard   XXXX   XXXX   I had been expecting my card that day or the  XXXX  with my tax refund loaded on it. When I checked the status of my refund it said it was already sent. I contactacted rushcard and they had told me my balance was  XXXX  and I had recieved my refund on the   XXXX   XXXX   XXXX   So I disputed  XXXX  in unauthorized withdraws and charges. i had never recieved the card and someone had activated it. I gave them a police report number and started my dispute I was told within 10 day my account would be credited. That never happend. on the   XXXX   XXXX   XXXX   I was told they found no error in my dispute and I had to send a hand written rebuttle letter I also did that right away they claimed to never recieve it. Here it is the   XXXX   XXXX   XXXX   and ive emailed the rebuttle letter and faxed it every day since. They are not refunding my tax return. I never recieved that card and they are not helping fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 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: Was not notified of investigation status or results

Complaint: I sent the letter below via Certified Mail to Experian. Experian notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Experian over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account Thank You, 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 06-10-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't contact lender

Complaint: Received an email from XXXXXXXXXXXX stating that my loan was denied ... Since I would never use a payday loan company and did not submit an application to them I was surprised to receive the notice. Because XXXX of my debit cards had been compromised as well, this made me exceptionally nervous. 
The email had a phone number which is also the number on their website and on the XXXX emails I have subsequently received from them. I called the number XXXX different times and held for XXXX and a XXXX minutes, then XXXX minutes, then XXXX and a XXXX minutes and NEVER did anyone come to the phone. 
I emailed them and told them of the problem at the same email address from the email to me and it is also suggested on their site and on the response emails. 
I received XXXX emails each saying they have no record of my email address and can not help me. 

How did they ever send this to my email if they did not have it? Why can they not simply look at the name and other info? 

In my opinion they are purposely refusing to assist me in this extremely important matter. I can only assume they or their employees are likely to be involved in this given their obstructionism. 

Thanks for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (ID).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I needed to open a account for direct deposit, was unable to as I had no previous account. My daughter had a account with Zions bank which I was able to use to get history, so I was able to open my own account apx. 6 months later at that time, I was to be taken off of her account, we never followed up to make sure it was done. I am not sure when this all transpired as it has been a long time ago. My daughter lost her income and was not able to keep that account, which put it in default. She closed it and filed bankruptcy and the account was included in it, and the bankruptcy was dismissed on XXXX. Jump to XXXX of XXXX I was called as to what I was going to do about this account. The gentleman was very rude in his conversation as I told him it was done through the bankruptcy, that I had nothing to do with that account and since no one disputed the judgment, it was taken care of. Now that I will not talk to him about this, he will reverse my payments that I make and put the money back in my account, if I do n't keep on top of it, my payment will not be made, which could cost me my job as one of the payments he reversed was for my phone, if I do n't have a phone I do n't have a job, company policy. But it could create a lot more issues with my credit. I 've tried to talk with him but the last time, words were said on both sides, and I do n't see any resolution with speaking with him, and my bank said to contact you with regards to this matter, I thank you for your time 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 09-08-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are looking for a new house. We were pre-approved by XXXX lender. 
Unbeknownst to me my husband decided to contact Quicken loans to check on refinance rates for our current home. While at work he spoke to a representative who gave him all of my credit information to include a credit card in my name only and the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity to open up unauthorized and fraudulent accounts using my name. I have received harassing and threatening telephone calls and death threats from various credits, for unauthorized and fraudulent accounts that do not belong to me. The following unauthorized and fraudulent accounts do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Payday loan () with SUN LOAN COMPANY INC. (TX).
Issue: Can't contact lender

Complaint: This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (PR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I currently verify the XXXX XXXX app to monitor changes in my score. Last week, I noticed there was a new account which I did not sign up for ( Sears/CBNA ). Since the amount charged was not major ( {$330.00} ), I waited to take action because I was working and also, my Uncle has been hospitalized since XXXX/XXXX/2017 ( today is XXXX/XXXX/2017 ) so I did n't have the time to investigate what to do in order to report this. Today, I finally had the time to report the situation so I logged in to XXXX XXXX to look up the lender that opened the fraudulent account but noticed that, once again, there was another fraudulent account ( Best Buy/CBNA ) but this time the amount is substantial and largely material ( {$2900.00} ). I will go to the authorities today to file a police complaint, but decided to report the identity theft online as soon as possible.

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