milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed

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 11-09-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I never gave XXXX permission to do a hard pull on my credit. I merely called to inquire about pricing. I also never gave them my SSN. Apparently they have it as I was a customer 10 years ago. They pulled my credit twice so far, on XXXX and then again on XXXX. I contacted Equifax to have the pulls removed. They went back to XXXX who claims they are valid. They are not. Equifax will not remove the pulls and this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Payday loan () with GVA Holdings, LLC (CA).
Issue: Can't contact lender

Complaint: Told me my account was settled and paid in full and even sent me text and ca n't seem to get their act together and want this collection activity to stop. Unable to contact XXXX due to leave of absence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WI).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: I, along with 143 million other American consumers, was affected by the Equifax cyber-security breach. I am beyond furious. This means that the people responsible have my Social Security number, address, and all of my personal information. Now, and for the rest of my life, I am at risk of identity theft. Worse still, I never even had a choice in whether or not my information was indexed by Equifax. As a human being, I am in their system whether I want to be, or not. As if the system of credit, i.e., a faceless entity deciding whether or not I have financial freedom, was not corrupt enough! The system is horrendous to begin with, and now it 's been compromised. Consumers are helpless. Consumers are angry. And consumers will no longer stand idly by while we are made to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a XXXX XXXX herself for a local XXXX XXXX and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because Huntington said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XXXX 's payment fur XXXX 's payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a XXXX XXXX is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with EQUIFAX, INC. (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. 

I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX  contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. 

I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. 

To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. 

I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. 

When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Revenue Recovery Bureau (Closed) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle and the sale contract apr rate is different from the loan company 's rate. The sale contract has the apr as 13.39 % and the loan statement shows 13.91 %.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.

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 04/14/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone applied for a lot of items in my name i contact Equifax Credit Bureau i sent them letters and they never respond back.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.

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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX XX/XX/XXXX my card was marked as potential fraud and I could not use it. I called citibank. They noted it and they sent me a new card. I informed them I needed to review the charges and see what was fraud or not. 


Sometime within a week of above - I called citibank and gave them the items that were marked as fraud XX/XX/XXXX- XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX-XXXX - XXXX I was informed they would be removed and I would be contacted if they needed anything. 


XX/XX/XXXX I checked my statment on XX/XX/XXXX and nothing was removed. 


I called and spent over 30 minutes on the phone with the fraud department. 


I spoke with XXXX ( initial rep ) and XXXX, the manager. 


XXXX said I should see a credit within 3-5 days and they would call if they needed further info. 


I am sending this email as further documentation so I have some proof of the call and investigation that I have started again. 


XX/XX/XXXX I checked my account again and no credit. 
I called and spoke with the customer service department. 
They said they didn't show open disputes. 
They said they would reopen and request credits. 
I said this was unacceptable and that this should already have been credited. 
I am happy to assist with the fraud process, but I should already have a credit. 
I asked to speak to a manager. They stated that department was closed right now ( it was XXXX PST ) They apolgized ad said I would receive a call in 24-48 hours. 
I stated, I am going to file a 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 09/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation