milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Trouble during payment process

Complaint: My name is   XXXX   XXXX   and I had a loan with HSBC Mortgage Services which was recently sold to   XXXX   XXXX  , I was in a  XXXX  BK from  XX/XX/XXXX  to  XX/XX/XXXX , which I completed my  XXXX  and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in  XX/XX/XXXX   a nd was approved pending all documents submitted per request of  XXXX  and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my  XXXX  XXXX  pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my  XXXX  XXXX  period.
I need some help on figuring this out.... .PLEAS

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The item was discharged in Bankruptcy Court in 2012.  Now National Credit System is attempting to collect on a discharged account by a Federal Bankruptcy Court Judge. I submitted proof of Bankruptcy Discharged for the item to XXXX and it was removed. Now it is back as a Collection, which is illegal and a fraud. I will complain to the FTC and sue National Credit System for Fraud, Deceit, and Identity Theft. I will also submit a complaint to the California Attorney General for Fraud, Deceit, and Identity Theft. 

National Credit System- REMOVE THE FRAUDULENT COLLECTION ACCOUNT IMMEDIATELY IF YOU DO NOT WANT TO GET SUED/FINED for violating FDCPA and FCRA. National Credit System never sent me any proof of documentation for the alleged item, falsely claiming on a discharged item, and the item has never been properly verified. Section 609.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 sent certified mail to Experian, XXXX and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My report shows a hard inquiry from 2016 from XXXX. I spoke with the bank and they show nothing and I did not give any one permission. I also have not applied for credit with anyone and now it just showed up on my credit report from 2016 and I checked just 2 weeks and it did not show at that time. My credit had come up some and now it has dropped my score some. 
I want this handled ASAP.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with MARINER FINANCE, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Focus Holding Company (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was on my credit report and seen a collection from them for {$140.00} says it was opened XXXX 2017 thing is i never received anything in the mail or anything about this debt and i am not sure what it is a bout amd want ir removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information has been compromised in Equifax 's hacking incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted 6 times in one day from Wakefield and Assiciates and every time I answered they hung up on, which goes against the rule that they must identify who they are. 
When I finally called back and informed them of this they claimed that they only called one time, yet on my call log it shows 6 incoming calls from the same phone number. 
When I told the lady that this was harassment and illegal she transferred me to her supervisor. 
I told her supervisor how this collection was closed by the previous collection agency he ignored that and then proceeded to go on about how they never called and such.

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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Hey, I was traveling overseas last year, and wanted to rent a car, so I decided to use one of the benefits that my XXXX Credit card offer, which is insurance coverage, and this is the reason I applied for this card. 
The way they advertise it is " Decline the rental company 's collission isurance and charge the entire rental cost to your card ''. 

So I rented a car on XXXX XXXX 2017 for {$150.00}, and when I went to pick up the rental car from the airport, the rental car company refused to accept the XXXX Credit card and wanted to charge me {$400.00} more on the top of the amount I paid, so I canceled the rent, and now the rental car refusing to take responsibility of misleading info on their advertising, and wo n't refund the money back to me. 
I talked to the benifit office of the XXXX Credit Card offered by Chase, and thei answer was that they ca n't help, they follow the policy of Chase, and when I called Chase, their supervisor said they ca n't refund the miney. 
What I 'm asking for is the redund of {$150.00} since I did n't lease the car, because their card is not acceptable like they advertise. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit was run without my permission or consent XXXX XXXX, 2017

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 submitted a complaint through CFPB recently about EXPERIAN credit bureau reporting a collection on my file. A collection with ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a {$63.00} collection on my file. Like I've stated before I have no idea or clue where this bill has came from. It's says the original debtor is XXXX XXXX on a one month term agreement opened on XX/XX/XXXX. Experian responded back saying I was sent paper work out on XX/XX/XXXX. That's a credit report!!! yes, I got a credit report, but nothing EVER came from either one of the companies, concerning a delinquent account! I HAVE NO IDEA WHAT ACCOUNT THIS IS! Then Experian have the nerve the say they contacted the data furnisher and had them verify the account, well how come I'm the consumer, it's on my report, and I'm freaking clueless of how they verified the account, and what this account pertains to. It's more than just saying oh well we contacted the furnisher and they verified the account, well provide the consumer the paperwork, and signatures..I 'm not just gon na take your word, for all I know a investigation may have not been conducted at all. I need to see something because I've googled the original debtor and from what I see I don't have no association with nothing they deal with.

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 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I am having the same issues with Capital One, you closed my case without my permission. They had someone call from their executive office, I called back several times, they never responded!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   They will not work with me to lower the monthly payments through this hardship!   I have no job, they refuse to budge. My accounts are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i have many inquiries on my credit file that i did not authorize. on my experian report there are XXXX reportings from XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX i contacted XXXX and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint

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 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX Foreclosure auction sale and XXXX XXXX XXXX sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the XXXX SC court- thus causing additional financial and mental hardship on the consumer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX student loan accounts with the US Dept of Education that were paid in full and settled on XX/XX/XXXX. Experian changed their reports to show that these were collection accounts in XX/XX/XXXX and not in good standing when they have been paid and closed and in good standing since XX/XX/XXXX. I phoned them XXXX to correct the errors. Both times I was told I was being transferred to a supervisor and got sent to a mailbox with no name and no supervisor called back. I also uploaded my documents to their website verifying these loans were paid XX/XX/XXXX and again spoke to someone today who said they would be updated properly. I just received the results of the investigation saying the accounts were updated. They now show as black marks with XXXX ( no data for months XXXX XXXX XX/XX/XXXX and a red mark and a c for XXXX which is the code for a collection account. They are still reporting inaccurate information and seem to have no interest in correcting the error and appear to be deliberately playing games. I have wasted numerous hours on the telephone with Experian representatives and scanning and uploading documents trying to correct accounts that were closed almost XXXX years ago. This is extremely XXXX and unnecessary. Why are they reporting inaccurate information. They had the information accurate until a week ago. When I tried to speak logically with their reps asking how accounts that were showing closed and paid in full could suddenly be closed again and in collection XXXX years later they would only reply that was information given to them by the creditor I have had a massive headache for XXXX days and do n't know what else to do. This is such a waste of everyone 's time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Tried to get the loan modified with Wells Fargo many times. Each time we would be give trail payments, we paid on time. Once we compeleted the trail payments we would be told that there was paperwork missing or there was a problem with the loan. Each time we cleared up the issues. we were told that Wells Fargo would reinstate the loan, then we get a phone call from a totally different Rep. stating that the mortgage could not be modified because the value of the property had increased in value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account is paid in full but still shows a balance on the credit report. Company acknowledged that the account it paid in full but said I needed to file a dispute so they could respond and show the balance as {$0.00}. 
Shows as : XXXX XXXX XXXX, 2014 XXXX {$100.00} Account XXXX

Company response to consumer: Closed with non-monetary relief