milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: All your information is incorrect, Inaccurate, or false.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trans Union continues to bully and cripple my ability to even move or prove to a business I 'm me. As Trans Union has changed the placement of my name 's switch last, middle and first on their reports to companies then Trans Union deletes my first name and gives me to last names. All because Trans Union wants to violate my rights of privacy demanding I send them my Government issued and personally paid for State ID and they have no rights to my SSA card or State ID/ License. So Trans Union claims that they got the illegal fraud report on my name from XXXX or XXXX. Yet for the history of XXXX & XXXX under my SSN My name is as it is on my ID which is XXXX and not XXXX XXXX, or any other version that ONLY Trans Union is doing. I have less than 50 days to move as the home I 'm in is sold, but when I apply other places Trans Union malicious actions and reports deny the rights to my own name & SSN as if Trans Union is the government agencies that issued me my SSA card number, birth certificate, and government issued and I paid for documents. Trans Union needs to stop this holding my own private personal information in error by malice and cease w/ all reporting of fraudulent data that they know the other Credit agencies are not. Trans Union has been doing this to me for over 16yrs now always demanding my personal ID and SSA card which I have the right to refuse, but gives them no right to use defamation and retaliatory actions to bully or try and force me to give up my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/2017 demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, XXXX XXXX XXXX # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received a letter from an attorney 's office saying they took over my XXXX account so I faxed in the letter asking for them to remove the XXXX account off my credit report since the account is no longer with XXXX and the new creditor is not reporting it at this time. They updated the balance and still have it showing from XXXX even when I submitted documentation. XXXX can not report an account they no longer have. Equifax is the only credit bureau who does n't do what they are suppose to do. Even with My XXXX XXXX account they have never been able to validate the account only the original creditor who is not reporting. By law the collection agency has to have documented proof. Equifax needs to remove this account off my credit report like the other CB. I 'm going to start notifying the press and whoever else that will listen because apparently they do n't know the laws for reporting and validating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: I am a Discover card member since XX/XX/1987. Discover has placed gray charges on my monthly statement. I disputed the gray charge in writing and requested a written explanation for the charge. I never got a response. I declined telephone calls on the matter.  Discover charged additional fees in retaliation for my dispute of the gray charges. THis is illegal, the company cannot charge fees on items in dispute, including charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I switched from XXXX to XXXX on XXXX/XXXX/2016, whom has been slowly refunding me the money I owe XXXX for the device 's agreements, and I have been consistently paying XXXX on a biweekly or monthly basis without fault. Today, XXXX/XXXX/2016 I received a call from a collection agency explaining XXXX sent my account to collection when I have not recevied any notices that my account will be send to collection in the owed balance is not paid in full. I have only received statements of the balance and the last one I received states I have until XX/XX/2016 to pay my bill. I have spoke to XXXX and they claim at first that my account was never sent to collection and refused to speak to the agency that called me via a conference call in order to resolve this matter. I spoke to XXXX XXXX XXXX and supervisor XXXX XXXX who both informed that they can not give me their employee IDs and they both refused to speak to the individual from the collection agency that was calling me because they both assured me my account was not in collection, even though the account number that the collection agency gave me had a match in their system during our call. Since terminating my services with XXXX XX/XX/XXXX, my balance at that time was {$2200.00} and today is {$740.00}, which means that I have consistently made payments since cancelling my services and have not had any delinquency on my account. In fact, I have made 7 payments of varying amounts in order to bring this balance down and I truly find it unfair and unethical that XXXX sent my account to a collection agency when I have not stopped making payments. Worst of all is that they never sent me a final notice letter informing me of collection services in order to give me the option to resolve this matter. According to the Fair Debt Collection Practices Act, I should have received that letter and in fact I never have. Instead I have received statements allowing me to continue to make partial payments.I believe this violates consumer acts and XXXX should be reprimanded for such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I HAVE A LOAN WITH  AN UN KNOW  LENDER AND CHASE BANK IS SERVICING THE LOAN, I WOULD LIKE TO KEEP MY HOME THAT IS CURRENTLY IN FORECLOSURE WITH A EXPECTED SALE DATE OF XX/XX/2015 , IAM REQUESTING HELP IN ORDER TO GET CHASE OR WHO EVER IS HOLDING THIS LOAN TO ALLOW ME TO MODIFY THE LOAN TO A MORE AFFORDABLE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX account for student loans has been closed since XXXX and paid in full and they still are showing on all XXXX of my credit reports, I was told good standing accounts stay on you report for XXXX years but it 's been more than XXXX years, please remove.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: False inquiry about a collection debt from  XXXX   XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX XXXX XXXX XXXX, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XX/XX/XXXX and it was removed from all the known agencies. 

In XX/XX/XXXX this year i have discovered that the item was reinserted to my Equifax credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had the same problem occur for the la st two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for Experian and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Credit card) with Guglielmo and Associates (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was contacted by Guglielmo & ASSOC. regarding a credit card that was sent the debt collector above. I telephone them and made payment arrangements for {$100.00} for the first XXXX months as they would n't take my offer. I made ALL of these payments on time. During the seventh month they would discuss further how I was to pay this off so I sent them a registered letter offering them {$500.00} over and above the {$600.00}. I NEVER received a reply to my letter. Then out of the clear blue sky I received a document BANK GARNISHMENT to garnish my XXXX XXXX account. I called Guglielmo & ASSOC. and I spoke to a XXXX asking what I could do to continue to settle this debt and that I had sent them an offer. HE WAS EXTREMELY RUDE, stating it was too late and there is nothing more they could do for me. He claims they tried only to reach me by phone. I NEVER RECEIVED any voice mails. I have a very old phone sometimes the voice mail does not work. XXXX told me it was n't his problem I have old technology. Again I asked him if there was anything else we could do to settle the debt. He said NO. I told him I am on a fixed income. I only collect Social Security and he said he did n't care. So now I am still trying to settle this debt but I feel this collection agency set me up and tried to take exempt funds knowingly. He also stating that I would lose the {$600.00} in payment I already made on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening account. ''

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 01/29/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/2017, I completed a Income-Driven Repayment request. I was notified on XX/XX/17 by Navient that they were unable to process due to the application not being signed. This is completely untrue as I did sign the application. On XX/XX/17, I again signed the application and faxed to back to Navient. I followed up with then in early XX/XX/XXXX to be told that the application was being processed and it would take 14-21 days to be approved. Today, i logged on to see the status and I have heard nothing and see that they have listed my account as past due. I called them and spoke with XXXX and he stated that I need to resubmit an application as I was notified in XX/XX/XXXX that the application was unsigned. I explained to him that I already signed the app and refaxed another signed application. He told me to hold. He came back on the line and stated that he does see my signed application and that he would send it back over for processing. In the meantime, he wants me to fill out a forbearance application so that my account can be brought current. He advised that the fees will be added to my loan balance. Why are these fees my responsibility, for NAvient 's error? He could not answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: - Had to get a new account last year ( 2014 ) due to fraud. 
- I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. 
- XXXX month after closing my account and being

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CA).
Issue: Settlement process and costs

Complaint: Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account in full and would like the account to be removed from my Negative Accounts and Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Can't contact lender

Complaint: Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit. 
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit. 
know, I have harassment charges with legal notice on a e mail I never provided. 

I never provided my personal e-mail to be shared with any agencies. 

Call at my house, cell phone and late calls pass XXXX XXXX

Company response to consumer: Closed with explanation