milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately protect my personal information, which it had gathered without my consent in the first place, and which is used by financial institutions and lenders to open lines of credit. As such, Equifax has disclosed private information in my credit report to unknown individual ( s ) and put my entire financial life at risk. At a minimum they have cost me {$20.00} at this time to freeze my credit reports at  the other two agencies, and will cost me at least {$30.00} to unfreeze those reports at another time. Furthermore, the time and effort it took to get this freeze instituted should be taken into account. Equifax 's failure cost me time and money and will continue to do so for years, as I will have to temporarily lift this freeze whenever I want to open a new credit account and then reinstate the freeze when done. Their disclosure of my personal information, including SSN, is unacceptable. Their delay in informing the public about this disclosure is further unacceptable. And their use of a flawed tool to suggest that people were not implicated in this data breach, which returned random responses and certainly led me to delay in instituting credit freezes borders on active concealment of the breadth of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Delinquent account

Complaint: I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning TD bank credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical Bill was already paid by XXXX to XXXX XXXX on XXXX 2016, but CIB still shows a balance of {$680.00} dollars, this account needs to be in a XXXX balance. 

CIB account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Account opening, closing, or management

Complaint: HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several medical collections listed which have no name on them and I have disputed with nothing being received as far as validation, these are inaccurate and I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my 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 03/27/2018 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: Account information incorrect

Complaint: Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle lease) with DriveTime (FL).
Issue: Shopping for a loan or lease

Complaint: I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have complained about CHASE bank many times, with no avail. My realtor and I have submitted XXXX all cash others, and they have declined all of them. Even the most recent one. 
I have had it, my doctor wants to put me on XXXX, and other XXXX, I do n't want to take these drugs as I here that they make people XXXX.. Please call CHASE bank for me and tell them, that they can have the house. All that I request is a {$25000.00}. relocation allowance, and I 'll leave, it has been over 3 years, I ca n't take this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: This complaint regards to a undelivered account opening bonus promised and also confirmed by 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 non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with STERLING JEWELERS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since 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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Transaction issue

Complaint: This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Unified Global Group (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I obtain my credit report dated XX/XX/2016 in correcting my credit. I have filed numerous dispute with all XXXX credit agencies of my residence, and information on my credit. I have also written the owners of the property in which I asked for more information on whom obtained residence in my name. I have not heard from the owner. So I have been continue to file disputes of this and credit agencies continue to have this on my record.

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 03-08-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Delinquent account

Complaint: I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Vehicle loan or lease (Loan) with Copper Lake Financial (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX and XXXX report my account with Copper Lake Financial shows a XXXX balance and account closed. It shows as open with an {$8000.00} balance on my XXXX report. The same holds true for my husband. I initiated a dispute to have this corrected on my XXXX credit report and Copper Lake Financial reported back that the account was accurate and would remain the same. This needs to be fixed to reflect consistent with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Inquiry from XXXX made with no consent or authorization by me in and around the dates of XX/XX/XXXX or XX/XX/XXXX. 

I contacted TransUnion who provide a credit alert service through XXXX who advised me that I would need to provide written letter to dispute the inquiry and this information would not be shared with XXXX  and XXXX. In addition, a letter would need to come from XXXX as well, but XXXX advised me that they do not perform this service and I would need to file a complaint through this agency.

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 03/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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