milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After the announcement of the 2017 Equifax Data Breach on X/X/2017, I entered my information on their site and learned that my information was compromised in the breach. I have attempted to reach out to Equifax to rectify the issue, but have still not heard back. Frankly, I do not find their plan to fix the issue ( their in-house credit monitoring tool ) to be acceptable, and I do not wish to continue business with Equifax. I know this is difficult since they are one of the big three credit reporting bureaus, but I still wish to distance myself as much as possible. I have since added a 90 day security freeze on my accounts to protect against fraudulent activity until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. 

i set up billing dispute XXXX for {$23.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with LJ Ross Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I wrote this company a letter requesting for debt validation document to be sent to me. I sent the letter L J ROSS ASSOCXXXX XXXX XXXX XXXX MI XXXX as this is the address shown on my credit report. Per USPS TRACKING NUMBER XXXX, It has been Delivered last XX/XX/XXXX, and left with an individual ( as shown in the attached document ). Instead of sending me validation documents, this company sent me a collection letter asking me to pay them. This definitely is a violation of the FDCPA and FCRA. 

This account should have never gone to collections in the first place. The original Creditor XXXX XXXX Never sent me any statement. I am not enrolled in e-billing but I never receive any statement. I have a lease contract for six months ( XXXX to XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX where the bills should be sent. I did n't get any. I moved to XXXX last XXXX XXXX and all my mail are being forwarded to my XXXX address and still nothing from XXXX XXXX. Even though it is their fault, I still paid {$140.00}. 

This account must be removed immediately due to the following facts : 1. This account should not have been passed to collections in the first place. 
2. This company violated FCRA and FDCPA for not sending me validation documents within the required timeframe. 
XXXX. They are COLLECTING PAYMENT for an amount that we already paid. And again there should not be any amount, account in collections since it is the original creditor 's short coming. 
4. How can this company send me a collection letter to my current address when XXXX XXXX was not able to send me anything, and this LJ ROSS account original is from XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm applying for a home loan and just found out there a negative posted on my credit report. 
The creditor is the XXXX XXXX in XXXX, Texas. I 've shared an apartment there in the past XXXX XXXX ). When I moved to California in XXXX, I 've ensured with the apartment that there is not what soever balance in my name and asked them to remove my name off the apartment. Now, I found out that they have posted a balance over {$3000.00} against my credit report.

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 08/29/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Medical debt) with United Collection Service, Inc (FL) (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried to go through the credit bureau several times abot a debt that was over 8 years old and is still showing up on my credit report. I have asked Equifax to validate the information yet it appears that nothing is being done since this debt is from XXXX when i had to take an ambulance to a hospital due to my XXXX XXXX XXXX. The name of the credit collector is UNITED COLLECTION SERVICE , INC and they are saying that the account was opened : XX/XX/XXXX ( 6 yrs, 2 mos ) and the Original Creditor Name : XXXX XXXX. At the time they are saying this was opened I was already living in another state for a year and a half.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: GMAC Mortgage company is reporting a bankruptcy write off in XXXX, XXXX. The bankruptcy was filed in XXXX XXXX, discharged in XXXX XXXX and paid in full in XXXX XXXX. GMAC sold the mortgage in XXXX XXXX and was not even a party in the discharge. XXXX XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XXXX 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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: All XXXX credit reporting bureaus ( Equifax , XXXX, XXXX ) ask me security questions which do not pertain to me. When I answer them as 'none of the above ', they say they can not provide my reports online. When sending in their requested verification info, I get a letter saying that they can not provide me with my reports. THIS MAKES ME VERY CONCERNED ABOUT WHAT IS IN MY CREDIT RATING ( errors, fraudulent activity, etc ). By law, they have to provide me with my annual credit report but have refused to do so for numerous years. THIS HAS TO STOP, I NEED MY CREDIT REPORTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: They automatically set me up for forbearance when I did n't know I had an option for and  Income  Based  Repayment  Plan. This caused an enormous burden of interest that has accumulated over the years. I have taken on over {$40000.00} of credit card debt because     XXXX   XXXX   aka    Navient A LSO advised me to use a 0 % interest credit card to pay off my student loan, which I am now paying over 29 % interest on these credit cards. I still have over {$90000.00} of student loans and unable to pay the thousands per month payment. I need help, I was lied to and given poor advice and I was denied better options that i was eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, Debt Collectors, continually robocalls my number, looking for someone who does n't live here, had never lived here, and is not me. 

I have asked them repeatedly to remove my number. The calls continue. They also do these calls on Sundays, when their offices are not even open to begin with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My complaint is again Equifax Credit Bureau. I am complaining regarding two outstanding issues : 1. The bureau continues to reinsert addresses that do n't belong to me. I NEVER lived at XXXX XXXX XXXX in XXXX IL. I have no accounts related to this address. This address is to an apartment complex - XXXX XXXX, which I called and verified no XXXX XXXX EVER lived there. I have disputed the address, it was removed, Equifax continues to put it back. I have sent copies of all my identification as well as my leases for the last seven years. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX IL. Six years prior my address was XXXX XXXX XXXX, XXXX XXXX, IL. Please correct this. 2. Equifax continues to report an account - XXXX XXXX - that was supposed to be removed as per the creditor. The account also lists multiple inaccuracies and errors. After reporting the account as an open collection for several months, Equifax has now updated the account to closed and paid. However the dates of EVERYTHING are incorrect. The credit bureau refuses to demand copies of the instruments and documents from the creditor which will prove this account was paid back in XXXX of 2017 and the creditor agreed to remove it from the profile. I REQUEST Equifax to please request and provide all documents received from the creditor relative to this account. I have contacted the creditor individually, and they insist they are not reporting this account negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve Nelnet accounts pay status " Account 120 days past due '' Accounts as follows : NELNET XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XXXX- {$2400.00}, 9/18/2003- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account NELNET XXXX reporting {$3700.00} account more than 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.

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 09-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I tried to close my account with TDBank but every time I tried I was thwarted. I believe this was intentional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Closing on a mortgage

Complaint: Sun Trust Bank denied our home purchase loan and the reason is due to " previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.

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 01-10-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Account with santander consumers was open in XXXX XXXX XXXX. I never knew about the account was opened until whoever open the account started making late payments or did n't make payments at all. I have reported this account to credit bureaus and also have reported it to the company santander consumer. They have sent me a fraud packet and i completed the packet and faxed to santander consumer with a police report. XXXX XXXX and XXXX  have removed the account from my credit report. Santander consumers have not done anything to even attempt to investigate the account for Identity theft. I have tried to contact them multiple times and multiple voicemails. This account is really affecting my credit score when I pay everything on time without a problem, I even have my own car loan out that I pay for every month with no miss payments. Santander consumers have no evidence that I opened the account but they will not investigate it to be removed and it 's not fair. The account is in delinquent according to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On XXXX XXXX, XXXX ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On XXXX XXXX, XXXX ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " XXXX XXXX, XXXX ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm. 
ERC violated FDCPA and FCRA ( the Acts ) regulations. 
I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized 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 explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (MO).
Issue: Problem when making payments

Complaint: On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.

Company response to consumer: Closed with explanation