milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: RE : XXXX-PRIVILEGED AND CONFIDENTIALCOMPLAINT : XXXXDear Wells Fargo Bank : I am in receipt of your regular mailed letter thot mirrors the online letter I IMMEDIATELY RESPONDED. Now, let ME, XXXX, provide clarification. 

The rental deposit annual interest payment is mandated for ALL LANDLORDS to paying tenants annually. I received the {$1.00} check dated XX/XX/XXXX sometime late in XX/XX/XXXX. I was unable to cash or deposit {$1.00} official XXXX check ( does not contain remarks noting 'void ' ) If the money has not been returned to the sender, then the money should be sitting in a bank ACCOUNT collecting interest. 

I WANT ALL MY MONEY AND ALL MY INTEREST. 

Sincerely and Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. 

The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX  understands replying with the wrong account information is a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Last week on XXXX XXXX, XXXX when they had the report of hacking, I was informed ( by putting in my information XXXX that my information was compromised. I also have unauthorized inquiries on my report starting on XXXX XXXX, XXXX. I contacted Equifax and since I did not get anything accomplished, I added the security freeze on my account. I paid the {$10.00} fee. Seeing that it is Equifax 's issue that has made my personal information vulnerable, I should not have to pay for the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (WI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONRAD CREDIT CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I bought into a camping resort package through XXXX XXXX At the time, the man told me all these wonderful ways to use it. It sounded great. I tried using it several times and it was not what they portrayed it to be. I called asking to cancel or sell the " time share ''. I could never get a hold of anyone to help me. Once they lured me in, that was the end. I am ok with paying something to get out of the contract, but this has gone on too long. I did nothing wrong. I tried to contact them and they did not respond. I feel it was false, the information and explanation they gave me. Every time I tried to use it, the process changed. I also could not get the " better '' process at other campgrounds. It was not a smooth process. I believe this should not hurt my credit score like it is. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Fo r five con secutive years, I 've been unsuccessful in obtaining the free annual credit report from Equifax. For the other  XXXX  bureaus,  XXXX  and  XXXX , it 's been fine every year. But for some reason, I always fail Equifax 's screening questions. As a result, I 'm forced to use the inconvenient physical mail option to request their free credit report. When this first ha ppened five ye ars ago, I thought it was a coincidence. But now aft er five f ailed attempts, I 'm starting to wonder if it 's more than just a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastpoint Recovery Group, Inc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with MNS & Associates LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with KEYCORP (OH).
Issue: Closing/Cancelling account

Complaint: On or around XXXX/XXXX/XXXX i contacted Key Bank to remove myself as an authorized user on a friends credit card account. In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to Key Banks Credit Research team and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval. Key Bank supervisors show no compliance. Key Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was approved for a then XXXX student loan. They have since change their name to Navient, but the same problems still exist. I have XXXX private student loans through them and each and every month the amount of the loan continues to rise. They told me first that it was because I had a variable interest rate that was not supposed to go over a certain amount. Now they are telling me that there is no cap on the amount of interest for the variable rate. Navient charges outrageous and ridiculous fees. I have other private loans with institutions such as XXXX Bank and have not ever once had the problems with them that I have with Navient. I attended the University of XXXX at XXXX and XXXX when I took out the " XXXX '' Navient student loan.This company was sued before in a huge class action lawsuit for their fraud and fees, and now they have changed their name so that they can continue doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I filed bankruptcy 6 months ago, and everything that was on our credit report was included and discharged. However, on my credit report companies are still reporting that the accounts are either still opened or I 'm behind in my payments. I thought once a person filed bankruptcy the status is supposed to changed to " Included in bankruptcy ''. I have disputed this information being reported to the creditors and Equifax. In addition, I sent them supporting documents and I even called, but I am getting hung up and even after the 30 day wait for the dispute the items on my report are staying the same. I believe what Equifax and the creditors are violating the Fair Reporting Act and have totally disregarded the bankruptcy paperwork which they can retrieve themselves because his is public information. Also, in the public section of my credit report they have n't even added that I filed bankruptcy. I am really sick of this problem, it has been going on for about 5-6 months now after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Credit Adjusters (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In the third phone call I have received by the company within 24 hours, I was threatened to be taken to court, the representative XXXX XXXX exclaimed that " as a XXXX, I should pay my bills. '' She proceeded to tell me that I would have someone come to my job and or home to collect the debt from me. The first representative I spoke to said they were not trying to resolve anything, they were simply taking me to court, which I have yet to receive a summons for. The issue I continued to address with the parties is that the debt is not on my credit report and I have no one of validating the debt beyond what they were saying.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am writing to update/correct my following personal information below on file with the way you are reporting it. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : ( These addresses are incorrect and are not an accurate address for me. Delete these addresses for violating the FCRA. ) XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXY XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR 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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.

Company response to consumer: Closed with explanation