milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've been denied credit three ( 3 ) times by XXXX because they can not verify who I am since they do n't have the correct phone number. I told them I 'd give them correct number but was told that they go by the Equifax report information. I only found this out after being denied the thre time an credit with them. I 've got a extremely high credit number showing excellent credit. Equifax via XXXX confirmation numbers and a phone call to them today said they could not update and would not update my phone number. To give correct phone number to the credit company. Tried to explain they would n't accept verbal info only credit report. Equifax refused to help me. The correct number is XXXX I only use this phone number. Equifax is having credit refused because they wo n't update my phone number that I wrote to them about, got on line and called to update. No, Equifax wo n't update. The phone number that is not correct is XXXX. The XXXX confirmation. Numbers are # XXXX + XXXX in addition with my phone call today.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/17 I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX XXXX - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX XXXX  credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.

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 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.

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 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: Step 1 : What is this complaint about?
This complaint is in regards to the Equifax data breach, but specifically with the way that credit freezes are being handled.
Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened?
All but Equifax are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got no response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize. XXXX   and XXXX investigated each inquiry on my credit report through them and deleted all inquiries. Experian is breaking FCRA laws by not deleting inquiries that can't show my signature authorizing the inquiry.

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 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Dyck-O'Neal, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent 2 lette rs requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to n agate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this claim must be inves tigated properly and efficiently.

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 12-06-2017 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: To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX I have contacted this company at the address listed below on my TransUnion credit report which is : XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX, CA XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to TransUnion about me, and provided TransUnion with a false address, I demand that the item they are reporting be removed immediately.

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 05/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Other

Complaint: COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (KS).
Issue: Managing the loan or lease

Complaint: I am a XXXX Veteran. On XXXX XXXX, XXXX I had Total XXXX to repair an issue I 've had since I was XXXX to XXXX in XXXX. Before my XXXX, I contact Ally Financial to work out an arrangement so that I would not go delinquent on my car loan. I was not given any options to prevent this from happening. As I was unable to work and I had to wait for the VA to approve my Temporary total XXXX for my XXXX, I was unable to make a payment. I contacted them again once I was able to make a payment and was then able to make a payment arrangement, however, because of Ally 's unwillingness to help before that point, my credit score took a XXXX point hit. I am in the process of trying to purchase a house and with this late and the hit to my score, I am unable to use my VA loan.

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 06/15/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. 

Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. 

We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. 

We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. 

We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. 

Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. 

Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. 

XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised.

Company public response: Company chooses not to provide a public response
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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft XXXX DATE UNKNOWN ANOUNT UNKNOWN

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with American Credit Adjusters (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

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 12/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Billing disputes

Complaint: on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.

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 12/23/2016 about Debt collection (I do not know) with HOVG, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation