milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hi- I applied for a credit card at US Bank for the XXXX XXXX XXXX. 

It had a bonus award for spending XXXX within 90 days of opening the account. 

After applying I got the card about 10 days later. Then 48 hours after meeting the spend requirement for the bonus, I got a letter saying they were cancelling the card because they said the charges were suspected to be for improper purposes. 

So I called right away after receiving the letter. They also said that they could not find my company in public records. I explained it was a Nevada LLC and just because I was in California that doesn't mean it doesn't exist and they should check Nevada records.

I also explained to the credit specialist " XXXX XXXX '' that US Bank was a Delaware corporation and Much like XXXX XXXX- this is suspicious activity to churn account fees ( this has a {$95.00} fee on the card and a way to get spend without paying out the bonus ). The guy honestly made no sense on the call and it appears like they are hiring just random people to do credit work. 

he also said he thought the purchases I made were suspicious even though I verified all of them. Some of them were chair massages for employees in XXXX XXXX which is axially a very common benefit in an competitive job market and he called it a " massage parlor ''. The call was a bit insane and I've never in my life seen anything like it. 

I asked to speak to a supervisor but he refused. All my calls to the bank go back to this same specialist and he said there was no appeal.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I currently have a debt which is n't in my name and it is now adversely affecting m y credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I may have a fair and equal opportunity to purchase my first home, you 're my only hope ...

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 02-01-2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Other

Complaint: Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account listed under XXXX is being reported on my credit report.The Account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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 was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with BB&T CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social 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 09/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other

Complaint: I am not getting any assistance to help with this credit card.

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 07-06-2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.

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 03/23/2017 about Debt collection (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are told to contact the primary contact, myself, and called my cosigner 8 times over a Saturday ; then when I spoke to them on XX/XX/XXXX they said I was off the call list until my payment processed. Since then they have called multiple times every day, and every time I answer they tell me the calls will stop, only to get another call 2 hours later. On top of this they include future payments in the total amount due at this time and have threatened my mom with statements such as " this will be on your credit report if you do n't pay {$1400.00} today '' when realistically we had 30+ days before it would be reported, and only had to make a payment of {$700.00} to get the delinquency reduced by 30 days. I called this week and they told me what was due as of today, but when I did the math that is what I owed through an XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a few open accounts that have not been taken off that are affecting my credit score. As well as my score is being lowered due to spending to much on account every month and having revolving accounts is too high when i have asked for a credit line increase. I never miss a payment and I pay my full amount on card off every month. This has also caused me to not be able to open new lines of credit. I call over a year ago now to discuss the open accounts and they said they would fix it but to my knowledge it has not been fixed.

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 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief