milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Me and my mom use to have a card with XXXX XXXX cleared off years ago, I tried to find out what is wrong but stuff on report they claim that equifax was sent notice of being fixed even sent my idea and requested a call but equifax and XXXX XXXX said they could do nothing tell this is fixed so I am again sending equifax a request as we mailed that copy of bills showing address and license of myself and it still is off even sent copy to XXXX XXXX to proof it was myself, not sure why this can not be fixed over the phone or what is going on one blames the other mean while darn card gets denied for reason that should not exist and number for my house been sent correctly to all parties plus my cell number been the same for over 12 years so I am confused obviously if they see my license it should be correct and will resend this to equifax and XXXX XXXX  again, not sure if issue when equifax got hacked and old stuff on my report, but this been sent to equifax 4 times and now XXXX XXXX XXXX time or so. Own house number XXXX XXXX XXXX XXXX home XXXX or cell no text XXXX only for text XXXX noted on letter with my address verification to bother parties.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach has allowed my sensitive information to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I spoke with a EOS representative over the phone and agreed to pay {$340.00} to settle the debt. I inquired and was advised that the account would be updated and removed from all credit agencies that same day, however, it could take up to 30 days for all credit bureaus to update on their end. I received a letter via email which instructed me to pay {$340.00} on that day. I made the payment by credit card and did not think about this again. Approximately a month or so later, I checked my credit report, and noticed the account was still listed- however it stated " closed, settled less than full. I disputed this with the credit bureaus and was advised that the company had informed them that the account would continue to be listed until XX/XX/XXXX. Then I reviewed my credit card statement and noticed that I was charged more than the {$340.00} that was stated in the settlement letter. I was charged {$340.00}. In an effort to resolve this, I contacted the business by telephone at the end of XX/XX/XXXX and was advised that the additional amount charged was for using a credit card ( please note that I had no other choice but to pay with a card as I had to make a payment that day ). Furthermore, they claimed that the credit bureaus had been updated and disconnected the phone. On XX/XX/XXXX, I submitted in writing an extensive letter, again to correct this situation. I sent the letter via certified mail and requested that they contact me via certified mail ( for verification purposes in the event the matter goes to court ). In the letter I explained the situation and requested that they fix this. To this day, I have never received any response from the business. On XX/XX/XXXX, I submitted a complaint via the Better Business Bureau. I provided evidence regarding my allegations, however was unsuccessful. Please note, no evidence was provided by the business. On XX/XX/XXXX, BBB closed interest in the case as the business was not amenable to any changes. Please be advised that this business has reported my last name incorrectly to the credit bureaus. I have attempted to correct this with the company, to no avail. I am requesting that the business immediately remove all accounts from all credit reporting bureaus immediately and update my name with the credit bureaus. Please be advised that I have been denied a mortgage loan due to illegal practices by this business. I am requesting this company be investigated immediately and held accountable for their actions, so that other consumers are not targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FMA Alliance, Ltd. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My XXXX check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. XXXX XXXX XXXX bank replaced my card and resolved many of the charges. However, XXXX did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I entered into a Mortgage application, loan # XXXX, with Bank of America XX/XX/2016. All documents and conditions were submitted and met in a timely manner. XXXX major conditions include paying off a $ XXXX car loan and obtaining a property appraisal for our current home in order to satisfy their rental property requires. In total we paid close to {$900.00} in appraisal fees. Our application was denied one day before it was scheduled for final approval. No one in the loan and underwriting department can give me an answer as to why my application was denied. A letter came in the mail three days later with an bogus excuse that my loan was denied because the bank can not verify my residency. Although all my document submitted reflects my home address : tax returns, property tax statements, bank statements, passport and mortgage loan statements. No other details were provided on how they reached their denial decision. At this point I 'm out {$900.00} in appraisal fees and the mortgage rate has gone up by .25 % ; I 'm scrambling to get a extension on my purchase contract and shop for a new loan. There are no recourse for me as borrower and no repercussion for the Bank when they pull a stunt like that.

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 03/21/2015 about Payday loan () with Cash Express, LLC (TN).
Issue: Can't contact lender

Complaint: I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The bank filed to take my payment on XXXX resulting in a negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection of an account in someone other than me 's name and versifying incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  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 02/25/2017 about Debt collection (Medical) with HOVG, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX  XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.

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 11/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have noticed some loan companies on my credit report and hard credit. I would like to get these off of my credit history because i have not signed up for no loans and wo n't because i know what they do to my credit report and i have a poor credit rating as it is. I am trying to bring my credit up to good not bad. the ones on the hard credit are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.

Company response to consumer: Closed with explanation