milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 4 companies on my credit report that should not be on there. I have one credit card and have never applied for a XXXX, XXXX, or XXXX card in my life. I think this is fraud but I do n't know who to contact. 

XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # -XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Late fee

Complaint: I tried to make a payment towards a AAdvantage card on the day it was due, a Saturday. After submitting all the information for the payment I submitted the payment but the site said there was an error. I tried for the next hour to make a payment but was unable. The following Monday I called the company directly. I explained the situation and was told it was n't a problem, there would be no late fees with a payment that day. I paid the outstanding balance completely as I intended to 2 days prior. Two months later I received an Email saying I had an outstanding balance ( a late fee ) and was being charged late fees on top of the first late fees because that was not paid. Again, this is 2 months late. I did not receive a notice of the first late fee. Since then the account has been closed but they continue to add late fees. 
Also, when I started this account it was with an introductory offer of {$100.00} which was never received I have asked about that offer and told them they could use that towards any fee but they refuse to acknowledge that offer.

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 01-05-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Equity Loan bought out by SLS.. Sent new contract - I signed and returned. Then 1 months later SLS sent corrected addendum to loan because SLS did n't include what they say correct loan information. The new information was stating my loan amount would double on certain date and interest rate would increase. I have asked for a loan modification and SLS sent me a 36 month temporary modification with no change payment amount or interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX. 

When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check. 

I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 notified XXXX XXXX concerning a medical bill which was Deleted by Transunion in XXXX/2017. In which they were unable to provide a Valid reason for collecting a medical bill with XXXX XXXX XXXX. I had No knowledge of as of today I have not received any response from this company with information concerning this Medical bill. Ive spoken with the Supervisor XXXX in special handling department this morning with Trans Union in which he was very rude to me about it I informed him that I have all my paper work and he said I will have to continue to contact the Collection 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 explanation
Consumer complaint received 11-04-2015 about Bank account or service (Other bank product/service) with ASTORIA BANK (NC).
Issue: Account opening, closing, or management

Complaint: During the years XX/XX/XXXX I purchased several Growth Savings Bonds from XXXX Federal Savings XXXX XXXX XXXX which no longer exist. I have contacted Astoria Bank which acquired XXXX about savings accounts that should have been set up after these bonds had reached their maturity dates. I have spoken to several bank personnel with no one being familiar with these growth savings bonds or any accounts set up with these funds. I have also visited the unclaimed funds website with no accounts being found for the names listed as the bond holders.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Universal Account Servicing, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i inquired about their services only and refused it and they to charge 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 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MD).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On or about XXXX to XXXX, while checking my bank statement discovered 6 transactions done at 6 different ATM card # XXXX with Wells Fargo banks local here in XXXX for {$300.00} each and one for {$100.00}, not done by me but by some other people, ( the transactions it started on XXXX ), I call the bank. 0n or about XXXX and notified them, they told me they will send me another ATM card within 5 working days. I when to the bank again and they started a claim # XXXX. On XXXX the bank send me 2 letters, one with the temporary credit on the losses {$1700.00} XXXX resolution claim # XXXX for account ending on XXXX. And the other letter saying they will take back the temporate credit within 10 days. On 2 occasions I went to the Bank and they notified me the claim was decline 2 times. XXXX a lady over the phone at the Bank in California in charge of operations XXXX XXXX XXXX told me that I could go to the police station and file a complain, wish I did PD # XXXX XXXX XXXX. And again when to the bank and show them the police report, it takes 21 days for the report to reach the crime bureau.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have n't been able to get lower payments upon even requesting I 'm paying XXXX plus dollars a month for my student loan for many years with no decrease in the amount still almost {$90000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I called Cashcall about paying them off as I was trying to since I did not know the interest is almost $ 200 % and I have made over {$1000.00} in payments in a {$2600.00} loan and I owe over {$3500.00} I called in to move the date for draft and was advised no problem. Now I get an email saying they are debiting my account for a past amount due to the date being moved. As I advised they never told me about it and how can they just debit my account without my permission. They told me I gave them permission to just debit my account whenever as I advised NO I DID NOT. I asked them to show me in the contract and they said someone will have to call me back. I did not agree to this charge and they have adjusted my monthly payment to reflect the additional fee.

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 10-10-2015 about Credit reporting () with CORELOGIC INC (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by CREDCO on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. CREDCO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Private student loan debt) with LOAN TO LEARN (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX tax lien via the state of Georgia on my Equifax credit report. I have attached documents that provide proof that the following should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.

Company response to consumer: Closed
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection on my report needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A medical office sent a bill to collections that was not suppose to be sent because. They where suppose to automatically with draw from my account and did not. So it was sent to collections. But it has since been pulled from collections because of there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i never did business with this company, i was a victim of identy theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This began as an eviction from a previous apartment complex due to my XXXX military registered service dogs being American Staffordshires ( pit bulls ). They claimed they were not aware that they were pits when I moved in despite my presenting copies of thier service registry. There was a neighboring dog which had a chow ( also an 'aggressive ' breed banned by the complex which had initiated an altercation with XXXX on my dogs. I received notifications from Robbinson Reagan and young of XXXX to vacate my apartment which I did after the end of the month and two weeks which covered the deposit I knew I would never receive back and the impossiblity of vacating in the allotted time. I never received any further contact from Robbinson Reagan and young until I received an email from my payroll department at work that they were going to garnish my wages for the following paycheck. I was informed by the civil court that because I had not gone to court to object my only recourse was to submit a slow pay motion and make regular payments. At this time I began to see several secondary collections on my credit report from Robbinson Reagan and young for debts from previous creditors. It seems like they are going through my history and soliciting debts for collections which they are now persueing me for. And now in the last few days I have been recieving calls from another agency called XXXX XXXX that refused to give me any information without verifying several addresses. The person I spoke to was vague at first when I stated that I had received calls from the phone number and then became rude about any indication of what the issue was. I told her to mail me any corespondence and not to call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!

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