milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dear Sir or ma'am, Today, I spoke to a representative from Equifax to dispute a dismissed Chapter XXXX bankruptcy on my credit report, which was filed in XXXX 2006. 

However, He stated to me, " This is Federal Law and it Can not Be Removed ''. Hence, I can not dispute this item. Subsequently, he gave me the phone number to the Federal Trade Commission at XXXX. I explained to him XXXX and XXXX gave me a suspense date of seven years for this public record, and could not explain the discrepancy of their-Equifax differentiation of ten years. 

Ultimately, my complaint is for Equifax to remove this derogatory public record as the other XXXX credit bureaus have done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: Western Union XXXX My WU # XXXX - XXXX : Gentlemen : I, this night, have tried to transmit funds to a friend out of the country. 

Transaction Code XXXX. 

After entering my credit card data and you drafted my account for {$140.00}, I received notification that you, for some unknown reason, have rejected my attempt. 

I have sent funds via WU on line several times within the past year without any problems. Now you tell me that I do not comply with your company policy. 

Before you respond, please be aware that my identity was stolen by another person with the same name who alleged he was me. If you check Facebook for XXXX, you will see three pics. The younger one is also an imposter that has an address in XXXX, Tx. 

I am the older one with the clean shaven face. 

The third one with the goatee is a scammer being hunted by the Kansas policy and the FBI. I know for a fact that he has scammed a lady in Kansas of {$250000.00}. 

I have been in touch with the police and with the lady and have been cleared of any participation. 

My correct address is XXXX. ; in XXXX, TX XXXX. And my phone number is XXXX. 

I do n't send month regularly overseas, but now with your denial of service, I am concerned and want to know what information you have that has made you cease doing business with me. 

If necessary, I can provide you with my valid TX DL to prove my identity. 

I am a XXXX Veteran of the XXXX, am XXXX years old, and I am sure you would not want this to be broadcast over the internet or TV airways as to your singling out someone like me to XXXX, of the XXXX American Vets, or XXXX regarding your treatment of me, without any consultation. 

Furthermore, I am distressed that you accepted my credit card payment, denied my transaction, and then l am told that I will have to wait 5 to 10 business days before the funds are returned to my credit card bank. THIS IS TOTALLY UNACCEPTABLE. In light of today 's computer technologies, you accepted payment right away, are holding the funds, and thusly, I have incurred charges on my bill. 

I trust you will do the right thing and amend this existing situation right away. 

Furthermore, I feel that I have been unjustly treated with your actions and failure to assist in correcting this. Consequently, I am notifying the Texas Department of Banking, as well as your Consumer Financial Protection Bureau Sincerely, XXXX CC : Texas Department of Banking CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have been trying to close my account with M & T Bank for several months. The company keeps taking monthly fees and makes it impossible to close the account. At first I asked for the fees to be refunded or I would be closing the account. I tried to bring new funds into the account to prevent the fees, but the system to valdiate the debit card to arrange external transfers was not working. I eventually was able to validate my debit card after about 2 months. I told them cancel the account via online banking, then via phone. The company tells me I need to go in branch - This is impossible as I am currently located in texas due to working disaster recovery for hurricane harvey. I was then told the only option is to send in an account closure request via mail. This is an absolutely ludicrous company. The online banking interface is sub par, and they seem to not be up to 21st century standards.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection 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 non-monetary relief
Consumer complaint received 06-02-2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I have been trying since  XX/XX/XXXX  of this year 2017 when I was laid off until   XXXX   XXXX    2017  when I finally went back to work to get payments straight i got behind during the lay off and have been contacting and trying to get this straight I completed all the paperwork they sent me over and over because the keep saying things are missing I always catch up my payments after a lay off but they will not work with me they sent out a demand letter after i had been contacting them as soon as I knew about the lay off and that i would have to make up payments because i had no income during this time and all they did was send paperwork and keep asking for more and more and refusing to set up the payments they will not talk to me I am fed up with this company I know they can help me I have worked with other mortgage companies and they always help but I think this company is stalling so they can take our property behind out back I ca n't afford to lose my family and I have no where else to go we need our home we need help fighting this company and getting them to help us with catching up and getting back on track which can be done if they would just listen to us and help us get these payments paid oh the companies is FAY SERVICING LLC and they are awful we had a mortgage with   XXXX   XXXX   and they sold or traded our mortgage to this company last year with out our knowledge until it was all done and we have had nothing but trouble ever since they are mean hateful people and will not discuss anything they just keep saying that they ca n't help because the demand letter has been sent out that is a  crock       XXXX   XXXX   sent out demand letters as well but they always helped us work out payments so we could keep our house this company is not out to help they just want to take everything I have worked hard for and I ca n't let the do this I need someone to listen to me and get this company to listen and quit saying there is nothing that they can do for us ..

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with The TRAF Group (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: Old information reappears or never goes away

Complaint: Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

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 01-11-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This is related to Equifax 's data breach. My information was part of the data breach according to Equifax 's website. I have attempted several times to complete the process to enroll in protection via their website. So far, I have been unsuccessful. Equifax has clearly not invested enough resources to protect my data from which they have profited. I hope that the U.S. Government can assert greater pressure on them to take this breach more seriously! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Complaint made to Transunion on XX/XX/XXXX for derogatory account which they say is not on my credit report. I tried to file a dispute and they said it wasn't on my report, which in turn, kicked me out of their system and did not allow me to file a complaint in their system. In addition, this lien I m speaking on was taken off of all other reporting agencies, reporting only on Transunion 's credit report. The lien was released and does no longer belong on my credit report.

Recorder of Deeds Lien Status -Released REF # XXXX  Amount -XXXX   Transunion last reported this derogatory account on XX/XX/XXXX even with my complaint attempted to be filed on XX/XX/XXXX. It is off all other reporting agencies expect this one. ( i.e., XXXX & XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other transaction problem

Complaint: I had a XXXX XXXX in XXXX, NC called XXXX XXXX, XXXX XX/XX/XXXX. I set up a Merchant Card services account through Bank of America in my name and social security number so we could run people 's credit cards. I left the company on XX/XX/XXXX. I was XXXX XXXX with a friend and another friend took over my XXXX % XXXX. I have a letter stating that. However, they DID NOT remove my social security number from the merchant services account through BOA. I did NOT know that. NOW the IRS has audited me for XX/XX/XXXX and they are saying I ran over {$9000.00} thru that and made that as income. I have n't worked there for 7 years! I called BOA immediately and they were short and rude and said they can not disclose the account bc I did n't have the merchant ID #. I said, you have an account under my social security number, so, you have to speak with me about the account, period. They finally did, after many phone calls but they will NOT give me a corrected XXXX showing I made XXXX dollars from that company in XX/XX/XXXX. They keep saying they 'll call me back and sending me to different departments. I have an IRS DEADLINE and they will not help me. I need help STAT. Thank you so much.

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 04-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I fell upon hardship, went through a difficult divorce and then had a significant loss of income. My home was mortgaged with Washington Mutual. Right during this time of troubles, the title of my mortgage was transferred from Washington Mutual to Chase Bank. After attempts to rent out and refinance my home, it as foreclosed upon in XXXX XXXX. 

Upon research I have found the following with regards to others in my same situation : " The vital allegation in this case is the assignment of the loan into the WAMU Trust was not completed by XXXX XXXX, XXXX as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants ' motion with respect to this issue. '' Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing " hide-and-seek '' with debtors and judges. 

The XXXX-paragraph complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase 's misrepresentations and deceptive business practices.They don NOT have the original title deed. If they cant produce it they have NO legal authority to collect or foreclose. All mortgages bundled and sold on the stock market were separated from their original tile deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I called this business I requested a professional license number and some form of written validation of their legitimacy. I was told to search them on the internet. They even refused to give me their street address. They claim that due to privacy laws they can not disclose any information about their business unless I provided my address and date of birth. I do not feel comfortable with this. Also, when I refused to give out my personal information I was told these are time sensitive matters and I will only be delaying the issue at hand. This felt like a threat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2017 about Debt collection (Medical) with RMB, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to delete from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws.

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