milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX  sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.

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 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 12/17/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. 

But a few months later, they did mark my credit report with a late payment. 

I called XXXX customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). 

Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. 

How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? 

How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Medical) with State Collection Service, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX leaked my social security number and personal information to hackers. I risk getting hacked.

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 02/14/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Advertising and marketing

Complaint: On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: This transaction happend XX/XX/XXXX The chase bank made this to XXXX XXXXfor the amount of XXXX for a purchase tracking no. ( MTCN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX the merchandise ordered was not recieved?? so I made a cliam XXXX XXXX  claim # XXXX and then I called Chase bank to make a claim for the XXXX in???? they closed my account. XXXX XXXX also refused refunding my XXXX dollars I just emailed on XX/XX/XXXX and am now complaining to myoure agency as I have now been out of money I am XXXX and XXXX please help me asap if you can XXXX XXXX XXXX I have been referred by XXXX XXXX XXXX help on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (UT).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. 

I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian does not have my address showing in XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX That should be under Address year at address XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Leasing Office # 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 non-monetary relief
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Auto) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do consistently run XXXX weeks behind on my vehicle payment. The payment is never made more than XXXX days late. One Main Financial calls my cellphone numerous times per day, and today every hour on the hour, once my payment is XXXX days late. They can see my payment history. This loan is XXXX years old. They send repeated letters in the mail to me where " they '' have scheduled " me '' to come in to their office for an appointment to discuss my loan, and my loan is never more than XXXX days late. This is utter harassment! They repeatedly send appointment notices in hopes of bullying me into deferring my payments. I do not want to defer. I do not want to prolong this loan and have to deal with them any longer than I have to. I do not want to pay more interest at XXXX % ( ridiculous ). I simply want to pay this off and get away from them. They are never able to report a more than XXXX days late to the credit bureau because my payment never runs that late, but it does run behind. The harassment is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy.

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 09/25/2017 about Student loan (Private student loan) with SLM CORPORATION (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My daughter wants me co-sign on her loan. I read through the documentation and can not find a clause where it states there is no prepayment penalty, ( since I do n't want to pay 8 % for 15 years ). I called Sallie Mae and both an employee and manager told me that they do n't have it written anywhere. It 's implied. Well I do n't think that is legal. In every bank I ever dealt with there is always a disclosure statement that tells you the rates and rules of the loan. I find it hard to believe that Sallie Mae does n't do this and no one has ever brought it to their attention. My concern is that I would like to see it in writing that there is no prepayment penalty before I sign the loan. Thank you for looking into this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: I wanted to purchase something with my Sears/Citi Bank Master card, so I took my card out and I noticed the the card had went past the expiration date which ended on XXXX/XXXX/XXXX. I did n't receive my new card so I called Sears to see if they sent me another card to replace the old one. At first they said that the card had been returned and they would send me another one. After placing me on hold many times they finally came back and said that my account was being closed because I had n't used my card in XXXX months. I currently have a balance over {$2000.00}, I have been making my payments on time and I have n't missed any payments. I opened this account back in XXXX and I have never had any issues with this account in the past XXXX years. Then I finally talk to a supervisor and she tells me that the last time I used the card was on XXXX/XXXX/XXXX and that if the card is not used in a twelve month period the account would be closed. I spoke to them on XXXX/XXXX/XXXX and I reminded the supervisor that I had XXXX more days to go before the year was up. She said that it did n't matter and that my account would be closed anyway. I 'm sure I 'm not the only one who has been caught in this situation and that it may be a nation wide problem. Like I said before, My account has been open for more than XXXX years and I 'm just stunned by the treatment that I received from this company. It 's all most like my XXXX years do n't mean anything to them. I have fought to keep a good credit record and to pay my bills even through the great recession. After all of my hard work to keep my XXXX credit score, I find out that it does n't matter. I almost want to file bankruptcy so I do n't has to pay any of them back. I 'm asking you to help me to fix this situation. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation