milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 07-04-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To Whom It  May  Concern, On  XXXX   XXXX ,  2017 , I received a collection notice from  Credit Protection Association, L.P., stating that I owe {$290.00} to a said   XXXX , Formerly   XXXX   XXXX   XXXX  .   XXXX  I contacted  XXXX   XXXX  and was informed that they do NOT have an open or past account under my name in the state of Florida.   XXXX  Thank you for your assistance,  XXXX   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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX, I was offered the U.S. Bank Cash+ Visa Signature credit card by U.S. Bank through the pre-qualification page on the U, S. Bank website, located at : usbankfindmyspecialoffer.com One of the " Key Benefits '' portion of the offer stated : " Earn {$100.00} cash back after you make {$500.00} in eligible net purchases in the first 90 days. '' I took a screen capture of this offer on my computer to verify that I was indeed pre-qualified for this card. 

Since I was prequalified according to this offer, I applied for the card and was approved for it and subsequently met the spending requirements of {$500.00} before the end of the 90-day period. I then called U.S. Bank Cardmember Service to inquire about my {$100.00} reward and was told there was no record of it being attached to my account. The representative said they would look into it and contact me. 

I received a letter dated XX/XX/XXXX from Cardmember Service stating that they needed verification of my offer, so I mailed a photocopy of the screenshot to Cardmember Services on  XX/XX/XXXX. I also noted in the letter that on that same day the pre-qualification page of the U.S. Bank website was showing me the same offer for yet another credit card ( U.S. Bank XXXX XXXX XXXX XXXX XXXX ), with a promise of a {$150.00} reward after spending {$500.00} in eligible purchases in the first 90 days. I did not apply for this card as I didn't need another card at the time, but I pointed it out in my letter to show that these are ongoing offers by U.S. Bank, despite the fact that the representative I spoke with claimed to know nothing of it. 

After mailing the screenshot as proof of the offer, I then receive a second letter dated XX/XX/XXXX, which stated they did not receive the full terms of the offer. They are now asking for a front and back copy of the promotional offer, which I do not have and which does not apply in my case, because this was an online offer via their website and not an offer I received in the mail. 

I am now turning to the CFPB for help, as it has become apparent that U.S.Bank is not willing to fulfill the terms of this promotional offer even though I have met the requirements and provided them with the information they requested.

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 09/26/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Check Security Associates, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Contacted XX/XX/XXXX by number suggesting they 're taking pre-legal action. Shortly thereafter, significant other received phone call, requesting employment verification on my behalf.
Contacted again XX/XX/XXXX by number suggesting pre-legal action again. An hour later, significant other 's father ( who lives out of state and we have n't contacted in nearly a year ) receives phone call requesting employment verification.
Phone number was called repeatedly at their behest, only to receive no answer.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (PA).
Issue: Managing, opening, or closing account

Complaint: I, along with many other people, have had a huge issue with Rushcard since their " update. '' I can not access my account, my funds have been frozen and my card is now blocked at this point. I can not contact customer service due to the fact that upon request to speak to a representative, the call is said to be placed and then you are promptly disconnected after XXXX rings. I have tried every number I have found and am getting the " run around. '' I 've experienced very long wait times only To have my call dropped. I found a direct line to Rushcard and the woman I spoke with was very quick to try to get off the phone. She kept telling me to be patient and to keep trying to access my account, which I think is why it is now blocked. I explained as much to her and she told me that she could not tell me why it happened and she was sorry but she had no access to my account. Something is obviously going on and it needs to be resolved. Many people are without their funds and some have even stated their balances are now showing " {$0.00}. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Deposits and withdrawals

Complaint: Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with NEW YORK COMMUNITY BANK (AZ).
Issue: Application, originator, mortgage broker

Complaint: My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Every year I apply for income based consolidation it takes forever, every time I call I get different information from different representatives that always contradict eachother. I was on an income based repayment for two years because I was informed that it was my best option for repayment. What was n't explained to me was that my income based payment each month only covered the interest that was accruing. I was paying for two years and my loan payment was not going down at all. I spent all of this time and money wasted and it was n't doing anything except benefiting the student loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened a capital one credit account a while back and never used the account. 

I found out a few months ago that I had a balance on the account. There had been charges that were clearly fraudulent, as well as late charges because I had n't paid the balance since I was unaware of the charges. 

I called In XXXX 2015 to report the fraud ; they told me the charges would be taken care of. The case number was XXXXI found out this month that the charges were not taken care of and apparently they 've sent the account to collections. I called today and they 've promised again that the charges will be reversed, but I 'm not confident that will happen. My case # today is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I had a student loan with Chase back in 2006. At the time I was going through financial difficulties and did not pay. Because of that, my student loan went into default. I have since applied for a mortgage and was told this loan had to be resolved in order to go forward in the pre approval process. I have spent the past month calling numbers, leaving voice mails, getting passed back and forth and still have not been able to talk to someone to help resolve this loan. Chase tells me all private student loans were sent to XXXX and XXXX is telling me they were never/do not have my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Delinquent account

Complaint: The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation