milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with NETSPEND CORPORATION (AK).
Issue: Application processing delay

Complaint: I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted on X/XX/17 informed company this debt is not mine I never signed a lease, I was never a lease holder. Please do not allow this on my credit report incorrect information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with Evans Law Associates, P.C. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/2015 I received a robocall from XXXX stating that there was fraudulent activity on one of my accounts with a case number to reference. I returned the call to XXXX and spoke with someone named " XXXX '' who advised that the call was trying to serve notice to me regarding legal action on the phone and then started discussing some type of debt that she said was " owed ''. She said that I can be picked up by the sheriff for debt and be taken to jail. What she was talking about is a zombie debt that I paid many years ago. She said she was going to mail additional information to me as she could not provide anything while on the phone except for monetary information. When I asked the company she worked for, she said " Um, it 's Evans & Associates '' and the only information she would supply is that their " main branch is in New York and they have calling centers located elsewhere ''. That same afternoon I received a phone call from XXXX stating that it was " XXXX '' but a different voice from the previous call wanting to know about the so called payment plan that was set up. I advised I set up no payment plan, that debt was paid off, and hung up the phone. I have since received 2 calls daily ; one from the XXXX and then a little while later from the XXXX ; the only voicemail left is the robo call with fraudulent activity. On XXXX XXXX, 2015 I received a voicemail from " XXXX '' stating that since I had not responded to the information provided that they may move to lititgation in the amount of {$8000.00} plus dollars which would not include attorney fees, bail fees, or the amount I actually " owe ''. The message went on to state that they would be notifying my employer and references listed due to lack of response and would also be sending something to the local sheriff 's office to present me and they would be " serving my place of work and home address ''. I have received another robocall on XXXX XXXX, 2015 from XXXX with the same " fraudulent activity on one of accounts with case number ''. 

I have checked my credit reports and nothing is listed that she specified. I confirmed I have no outstanding debts.

Company response to consumer: Untimely response
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 11/17/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today

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
Consumer complaint received 12/28/2016 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.

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 09/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: I had been making many payments towards this loan throughout a month rather than a single payment. I was not made clear on how the money paid was distributed between the interest and the principle for the loan, although I had initially understood these were " principle only '' payments. 

The real issue occurred when without ANY communication from Wells Fargo, the payments I 'd made began being unapplied ( and not credited back to my checking from where they had been transferred. ) After multiple phone calls with the bank, I was unable to get any answers as to why they were doing this to the account. No one, even the XXXX different managers I had spoken to at different times, could explain anything other than that the account was under maintenance and to check back in a few days after the system " refreshed ''. Nothing would get fixed and I would call again, spend hours on the phone etc. 

I was never clear as to why or what this department was doing when they were unapplying my payments. They have since reapplied them in some manner that I did n't make sense of. I paid off the remainder of the loan asap after that, but will never be clear as to whether I was charged interest for the time period that my balance reflected considerably more that was owed. I also believe this will possibly affect my credit score as it showed the account as delinquent for over 30 days ( when I was significantly AHEAD of the payment schedule ). 

I am concerned that Wells Fargo has the authority ( or the audacity ) to move a customer 's money around without permission, explanation, or purpose ... especially without communicating with their customer. I am led to believe that this incident was done to benefit Wells Fargo, or a Wells Fargo employee.

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 09-08-2017 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: Experian was hacked. And am one of the people affected.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ID).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: My name is XXXX XXXX XXXX and I had a credit card used in my name for several months in XX/XX/XXXX and XX/XX/XXXX that are affecting my ability to get a credit card now. I 've tried to make payments never to receive a bill again I changed my address two times. I 've gone through several family XXXX had my car stolen fell, into the XXXX XXXX luckily made it out and am trying to better my life by starting my own XXXX and I need to have some start up money in order to build a future literally from the ground up. Please and thank you for your time and consideration God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/XXXX, XX/XX/XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date of status for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While attempting to purchase a home, I was informed that I had an unpaid account balance at XXXX XXXX XXXX. Because I never had service with XXXX XXXX XXXX, I immediately went into the local store. While at the store, I was told that there was a balance on an old XXXX account that I no longer have and that was ultimately turned over to XXXX XXXX XXXX. In the interest of resolving the issue so that I could complete my home purchase, I immediately paid the balance. However, shortly afterwards, I learned that a collection company/XXXX of XXXX had placed a collection on my file for XXXX XXXX XXXX. In response, I informed them that the situation had been rectified and supplied a copy of my receipt. However, they will not remove this inaccurate information from my account. 
I am a XXXX and my wife an XXXX. We have worked for the public good for almost 30 years each. At a time when we are finally trying to make a home purchase using my VA loan, I 'm faced with this dilemma. I really need some help in getting this resolved so that I can return to the home buying process. I need this error removed as soon as possible. I am uploading a copy of the receipt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received my credit report on XXXX on XXXX/XXXX/2016 and items was removed than added back on without a 5 day notice. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX. Also, I asked them to send me information on how they did their investigation and a person name but never received and answer its have been over 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Making/receiving payments, sending money

Complaint: I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.

Company response to consumer: Closed with explanation