milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XXXX 2014 Equifax has not responded to my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please be advised this is my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Equifax or Convergent Outsourcing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with GOLD STAR MORTGAGE FINANCIAL (CA).
Issue: Application, originator, mortgage broker

Complaint: Gold Star Mortgage rejected my application to refinance of my home and would not return my appraisal fee, after i requested them to do so. They stated that I have a foreclosure on my credit report, to a house that I do not own. The foreclosure pertains to my mothers house not mine. Gold Star was the first to ever inform me of a foreclosure. A demand letter was sent on XX/XX/2017, to either provide to me legal documents that bind that foreclosure with my name on them or return my appraisal fee by XX/XX/2017. 
Basically, Gold Star informed me that I have to prove my innocence of the foreclosure by providing a copy of my mothers Family Living Trust, which I do not have. 
I informed Gold Star that they basically needed to provide proof that I am guilty of a foreclosure or return my appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2016, I was made aware through credit reports and an application for a PLUS loan that my personal information was fraudulently used to get student loans ( XXXX, XXXX XXXX ) without my knowledge or consent. I reported that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. The following accounts appear as a result of identity theft. 
XXXX XXXX XXXX-student loan account number unknown XXXX- student loan account number unknown CALIFORNIA FEDERAL COURT XXXX COUNTY/RECORDER OF DEEDS I also requested Experian to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires XXXX to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Experian informed me on XXXX XXXX, 2016 of the dispute results and that they are waiting 30 days for the Companies to respond. Experian did not acknowledge nor process my request to BLOCK the information within 4 business days as required by law ( section 605B of the Fair Credit Reporting Act ).

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old  and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is 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 04-06-2016 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: Credit Agency reporting-who & how to handle? 
CHRONOLOGY of EVENTS : XXXX I had severe Identity theft ( Divorce related ) XXXX I worked to get Cr agencies to report XXXX BK & debt charge-offs appropriately XXXX/XXXX/XXXX Credit Agencies started reporting BK/identity theft charges from XXXX, out of the blue. 
This error just dropped my credit XXXX points in 1 week & i was rejected for a home or rental leaving me homeless & I desperately NEED HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I need to get on a payment plan to remove my debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.

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 12/15/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with Michael & Associates, PC (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. 

When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IQ Data is currently reporting negative information on my credit reports. They were in receipt of a letter on   XXXX   requesting verification/validation of this debt as I have no knowledge of this account and have never done business with this company and they have failed to provide this information. They printed out what appears to be a statement with an amount that does not even add up the amount they are claiming I owe. Further, they handwrote an additional amount which still does not add up to the amount they are claiming I owe and which makes absolutely no sense. This is a violation of the Texas Finance Code as this company is now allowed to collect " interest ' '' on an account unless they have entered an agreement. Further, per the Texas Finance Code Section 392.101, a debt collector must hold a surety bond in the State of Texas in order to attempt to collect a debt. IQ Data has failed to comply with these regulations. I have attached all documentation that was mailed to the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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: I have disputed information with Equifax credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Settlement process and costs

Complaint: Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is continuing to update on my credit report for an account that was included in my bankruptcy. By law after a discharged bankruptcy they are not to update and damage credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 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 the victim of ongoing ID Theft for the past few years and have had several fraud accounts reported by EQUIFAX I have sent in lots of police reports over the past few years. Equifax has removed and blocked all the fraud accounts. All of a sudden they are all begin re reported by Equifax and every time I call to find out why I get some overseas person who can not tell me what is going on and barley speaks XXXX!! XXXX annoyed that even with a valid police report Equifax will not removed fraud accounts!!! the following accounts were removed and are now back!!! Police know who is committing this ID XXXX and there are warrants out for the person. They will not continue to take police reports on the same issue!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX KEEPS SAYING THESE ACCOUNT ARE XXXX AND THAT THEY VERAFIED THIS!!! HOW CAN THAT BE WHEN THE PERSON WHO STOLE MY ID IS A WANTED FUGATIVE AND IT HAS BEEN PROVEN TO BE ID THEFT? WHAT PROOF IS THERE THAT THEY WERE TRULY VERAFIED? WHY WERE THEY REMOVED AND BLOCKED BEFORE IF THESE WERE REALLY MINE?.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, 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 11-11-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX I applied for a XX/XX/XXXX Credit Card. I had a XXXX credit score according to XXXX XXXX and a few other free services, and a high income. In a typical application, that would have resulted in an auto-approval on the spot. I was told to wait for a letter in the mail. 

The letter was dated XX/XX/XXXX. It said that the decision not to approve me was based on information received " from one of our Citi affiliates that your relationship has been reviewed and we can no longer service accounts for you. '' According to the terms of the credit product I was applying for, the issuing bank was XX/XX/XXXX. Citi is not referenced anywhere on the application. I would not have applied for the card had I been provided information that Citi was involved in determining my status. Citi closed my account in XX/XX/XXXX without notice or reason provided. I had never missed a payment with them. XX/XX/XXXX should have informed me that account ineligibility with Citi necessitates ineligibility with XXXX as soon as I entered my social security number into the keypad. They did not however, and they subjected me to a hard credit inquiry knowing full well that they were not going to approve me for credit BEFORE they even reviewed my credit. 

Furthermore, I received no supplemental documentation informing me of my rights to request a credit report upon an Adverse Action under Regulation B with the letter.

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