milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Managing, opening, or closing account

Complaint: I bought a {$200.00} Amex gift card around XXXX XXXX. It had n't been authorized properly by the store clerk, so I could n't use it. After calling Amex, I sent them everything they asked for via the fax number they gave me - copies of both sides of the card, the sales receipt, and my NY XXXX i.d . 

I waited for weeks, got no response, called Amex & was told they were " working on it ''. More weeks, no response, I call again and am told the copy of my i. d. was too dark to be legible. I send them a lighter copy, more weeks pass, I called yesterday and was told a portion of my I. d. still could n't be read. I informed them I was n't faxing anything else but was contacting CFPBAmex has gone way beyond any necessary fraud protection. There are cites online documenting many, many similar complaints. Obviously, the longer Amex delays refunds, the more interest money they make on the float.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 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: Received unsolicited financial product or insurance offers after opting out

Complaint: You probably already have a huge steaming pile of complaints regarding the Equifax breach. That incident alone is complaint-worthy, but my particular complaint might ring a different tune.
The site they offer to check if you 've been " impacted '' ( https : //www.equifaxsecurity2017.com/potential-impact/ ) is deceptive. If you are determined to be affected you 'll see a display like the following : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] '' For starters, you ca n't even enroll right away, and are forced to return to the site at a later date that they provide. Rampant identity theft can begin NOW, and we ( impacted consumers ) need the protection NOW. Doing anything after the theft has occurred is already a worst-case scenario.
My expectations were : a ) An option to freeze the credit report right away. ( This is by far the MOST important thing. ) b ) Voluntary outreach to all affected customers by postal mail.
c ) An offer for FREE identity protection services, available immediately.
d ) An honest description of what exactly might have been leaked - a worst case estimate if they truly do not know.
Equifax is clearly failing on all four counts, beyond also completely failing in IT security. As I read it, they can not even assess the extent of the damage because the controls were so faulty.
What 's worse, after reading into what TrustedID Premier actually is, this is a PAID service that they appear to intend to use to wring more money out of unsuspecting consumers! This is outrageous behavior and needs to be curtailed! The message to enroll for TrustedID is an up-sell, not a path to restitution.
I never once chose to be involved with this company, and it is incredibly unfair that I am now exposed to significant harm because of their negligence. That they have the nerve to then attempt to up-sell me amidst this major failure is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 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: Their investigation did not fix an error on your report

Complaint: I have sent several certified letters to Equifax ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently noticed 2 accounts on Transunion that do not belong to me. Please remove XXXX # XXXX ... and XXXX # XXXX .... I have tryed both companies to release information and proof incleding signatures and copy of Identification to me and neither could produce anything or could find me in their records.

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 11-07-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Problems when you are unable to pay

Complaint: I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Closed our account with XXXX beginning of XXXX 2015. They continued to automatically charge my credit card on file for an additional months bill in XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since last XXXX, they continued to refer me to their 3rd party collection company. I talked with Sunrise several time to clear up the matter. I forwarded all the XXXX chats to the collection company ( Sunrise Credit Services Inc ). I just received a new collection bill from XXXX XXXX for the same issue. I called Sunrise and they only told me that the account had been removed from their system. I have not been negligent, I have contacted XXXX and Sunrise at every step of the way and continue to be told that the issue has been resolved and no debt is due by XXXX and continue to be lead on a goose chase by Sunrise, only to find out later by written mail that the have escalated the claim. At this point I feel XXXX is harassing me and has costed me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get XXXX to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 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: Their investigation did not fix an error on your report

Complaint: My purse was stolen in XXXX XXXX last year, few weeks later I noticed a hard inquiry from XXXX for a credit card which I did not initiate. I sent proof to XXXX of the theft and police report and they agreed that this was fraudulent, they told me they would notify Equifax which they did. Equifax still has not removed the hard inquiry from my credit report. I have sent all supporting documents to Equifax via XXXX XXXX and I have not had this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Managing the loan or lease

Complaint: I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Hello, I am hoping you can help me, please. XX/XX/XXXX when I was XXXX, I got my first Credit Card through Capital One. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over 2k and we tried to settle for a little over 1k paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a XXXX and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by XX/XX/XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location XX/XX/XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union must follow provisions of the Fair Credit Reporting Act ( FCRA ). It must follow FTC regulations where applicable. On XXXX XXXX, XXXX, I called Trans Union to request that they remove XXXX hard inquiries that appear on my report. Specifically, I requested that they remove XXXX XXXX ( XXXX XXXX, XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also asked that they remove a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). Both XXXX XXXX and XXXX XXXX were not aware and not willing to provide additional information. However, Trans Union placed the obligation on me, the consumer. The representative at Trans Union stated that a consumer must document why an inquiry is wrong. In other words, a business entity that conducts a hard credit pull is not obligated to document why that was done. In cases where such a hard pull is erroneous ( for whatever reason ) it is simply not possible for a consumer to document how that occurred. In fact, it is not possible. My understanding of federal consumer protection regulations is that all three Credit Reporting bureaus must investigate a matter and must remove erroneous information. The consumer, pursuant to federal rules, is not defenseless and it is not correct to state to a consumer that Trans Union " can not remove or investigate an erroneous matter. '' Please assist.

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 12-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Hi I gave my credit card to a merchant as a guarantee that I will pay. The merchant was supposed to call me to discuss the price and I would let him know how I planned on paying. We discussed that it would not cost more than {$500.00}. A few days later I see a {$500.00} charge on my card. I do not know if any services were preformed. I called the merchant up, and ask " what 's this? '' He replied, " you said I can charge your card ''. I said " that is not true ''. I requested him to send my lawyer a copy of the bill. He never did. I then contacted Chase to start a dispute. I called them on XXXX/XXXX/16. They never responded to me. I got a letter requesting more information from them, but they told me on the phone that I would receive the letter and I should ignore it. On XXXX/XXXX/16 ( I think ) I received a voice message from someone claiming to work in Chase with a request to call them back. I called the number on the back of the card and asked who is trying to reach me. The response I got was " that is not a chase number, nobody want to talk to you ''. I called then back today XXXX XXXX/XXXX/16 XXXX to check on my dispute, and they said basically I could jump and they are not going to help me, and the dispute is closed. 
Please punish them for breaking the law, as far as I understand, no merchant can charge my card without my permission, and they need to provide me with a receipt. My hunch is the merchant does not want to give me a receipt is either the work was never done, or he is way overcharging me. 
Thanks for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. 
I told them I would pay the due amount or at least reduce the fee to a honest amount. 
They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. 
I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation