milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted equifax on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX {$180.00}, XXXX {$43.00} and XXXX {$48.00}, XXXX {$2300.00}. After properly disputing these accounts four times i received a letter from equifax stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Equifax the letter i received. Equifax still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either XXXX. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX, I have multiple disputes with the company and Equifx credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that XXXX magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Equifax has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Equifax is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (IN).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NM).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: We signed up for a 12-month, interest-free line of credit to purchase new furniture at Ashley Home Furniture stores, financed through XXXX XXXX. We setup automatic payments in the amount necessary to pay-off said credit card in 11 months, and DID NOT agree to, sign-up for, or " add '' any additional card " benefits. '' After several months of automatic payments, we logged-into XXXX XXXX " mysynchrony.com '' site to check our balance, we noticed monthly, odd-amounted charges on our credit card 's activity ( between $ 5- {$20.00} ), labeled " XXXX XXXX XXXX ''. We call this number and gave them all of our personal account information, in the belief that we had contacted XXXX XXXX. It turns out, instead, we had contacted some shady, fraudulent " company '' simply called " XXXX XXXX. '' The representative, " XXXX, '' refused to give us any information, even what the company 's purpose was, or what a generic " XXXX XXXX XXXX '' charge was for. I XXXX XXXX this exact charge and discovered it is a " dept cancellation protection '' charge, fraudulently added to unsuspecting credit applicants. I contacted XXXX XXXX directly and they were very defensive, and refused to help, saying we could only contact " XXXX XXXX '' and that they would not refund these fraudulent charges. XXXX XXXX MUST discontinue this practice and their business with " XXXX XXXX, '' and this fraudulent, malicious " company '' needs to be shut down immediately! 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 monetary relief
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has started sending me fake debt collection notices, claiming I owe a debt to XXXX. They have threatened to put a judgement against me if I do not pay it. I know it is not my debt, but I spoke to an XXXX Representative to confirm there were no mistakes on my account. She confirmed that this was not my debt, and that XXXX XXXX never even uses that collection company. Further, she said even when accounts are delinquent, all attempts to collect debts are done directly through XXXX XXXX, with their own letterhead. So Credit Collection Services is FALSELY stating that they are trying to collect a debt from XXXX XXXX. This can not even be something that has become " mixed up '', or something ancient. I only had an XXXX XXXX account for 6 months last year, and the house I lived in for the last 18 years prior, does not even have gas. No one in my family has an XXXX XXXX account. This is clearly a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I continue to get inquires for credit I did not make.

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 10/28/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: First of all I do not have any bad credit. What I do have is several good accounts that is being held on my account for 10 or more years that are paid out and closed..I began asking question as to why they kept this on my record so long. I wrote several companies and ask them to remove it. I did not say it was wrong just wanted it removed. They would then put it on my credit that I filed a dispute, which I did not I just asked them to remove it. Since starting my inquiries my credit score as fell from XXXX to XXXX I can see this on my XXXX XXXX. XXXX told me they got the info from Experian Credit reporting company. I wrote experian for a explanation and they would only send me a new report they would not answer my question as to why it dropped. The issue Experian is keeping things on my Credit for 10 years even though it is closed and has never been late. I called XXXX and they told Me it was Experian that controlled that aspect of the report. I called your agency and your rep told Me that even disputes can not affect my Credit Score. Each statement I receive from XXXX show a drop of 5 to 10 point for several months.

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 09/18/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Trouble during payment process

Complaint: I got a letter from suntrust saying my loan is in default as of XXXX XXXX which is absolutely NOT true. The grace period allows me to pay up until the XXXX of the month WITHOUT penalty and I have proof the my mortgage was paid on XXXX XXXX less the ridiculous {$82.00} late fee that they 've been charging me since XXXX XXXX and I refuse to pay ) for their repeated errors. This is completely unacceptable and needs to be resolved immediately. Even when I pay, they still manage to XXXX it up! That have absolutely no business being responsible for other people 's money.

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 04/14/2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA. 
This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance. 
Some bills arrived in the post more than XXXX time until they where resolved by insurance. 

Another debt collector service called me in 2013 to negotiate payment for a bill. 

This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. 

They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. 

The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. 

I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 01-05-2016 about Money transfers (Domestic (US) money transfer) with Comerica (CA).
Issue: Other transaction issues

Complaint: My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am XXXX year old woman. I have been a long standing customer of Bank of America for credit card usage. I had set up my account, like all of my other credit card accounts, to be paid automatically with the minimum payment so that I never had to worry about missing a payment. In XXXX XXXX, I had a terrible fall and ended up in the hospital for almost 3 months. I was not concerned about the payment to my Bank of America account since it was set up to be paid automatically. However, once I was out of hospital I received a bill that I was late in payments and had incurred substantial late fees. I tried to resolve this both over the phone and in person. However, Bank of America would not work with me. I explained to them that I had set this up for auto payment for this exact reason - in case something happened and I was n't able to make my payments myself. However, the way their website works, you put in a designed payment amount for auto payment. If the balance increases, the auto payment amount does not increase. All other credit card companies I have used allow for the minimum payment to increase based upon the balance. If the balance goes up, so does the minimum payment. Likewise, if the balance goes down, then the minimum payment goes down. I tried to explain to them that is what I believed to be the case. I also agreed to pay them for what was due but not the late charges since I did n't believe that I was truly late - rather there was a misunderstanding. They would not waive the late fees. It should also be noted that they continue to receive my auto payments while this dispute is ongoing. I have done nothing to deter them from receiving payments from me. I am looking for you to intervene and determine if I can be relieved of the late fees that continue to accrue. 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 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with Galaxy Capital Acquisitions, LLC (RI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alorica Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account on my credit report from XXXX XXXX XXXX with XXXX. The account is closed and paid off. When I paid it off I was told the account information would be deleted but it is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been keeping a close eye on my credit report because I have been a victim of fraud. Transunion is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, MS XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent TU letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX,  however when I did a search for myself I found it.

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