milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed an account, held by the  U.S. Department of Education,  being reported on my Equifax and   XXXX   credit reports multiple times ( mostly recently on   XX/XX/XXXX     ) without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with th e U.S. Department of Education  on   XX/XX/XXXX     and as of this writing,   XX/XX/XXXX      (  more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed as  XX/XX/XXXX , but the  'Date First Reported '  is listed as  XX/XX/XXXX , and at that time they claim the account was already in collection status. Neither th e U.S. Department of Education n or Equifax or   XXXX   have provided me with the 'Date o f Default ; ' th erefore, this account has not been proven to be mine, nor should it be listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX ran my credit with out my permission

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 08/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.

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 06/24/2016 about Debt collection (Medical) with TekCollect Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (OK).
Issue: Struggling to pay your loan

Complaint: I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2016 about Student loan (Non-federal student loan) with Experian Information Solutions Inc. (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on 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 non-monetary relief
Consumer complaint received 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Most recent address shows XXXX and I have never lived in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I received a referral from a friend for the American Express XXXX XXXX XXXX card, which offered XXXX miles if you spent {$1000.00} in the first 3 months and have never received a bonus on the card ( I have not XXXX. In short, I did n't get the bonus - but they have admitted to me that it is indeed owed to me but nobody is able to make the adjustment. I followed their process, but it has now been like 4 months with multiple deadlines passed that they gave me for resolution. I waited the first XXXX weeks for the bonus to post, it never did. I contacted them to open a case to research, which they told me would be XXXX weeks. The result of that is they closed it and admitted I fulfilled the offer, however they identified a large number of accounts that the bonus failed to post to. They told me it would be resolved in XXXX days. That deadline was earlier this week. When I contacted them, they said they are n't sure why I did n't get it but would open up another case and I would know more in XXXX weeks. I would like your help to get these bonuses paid out, for myself and everyone else. Waiting XXXX months is not right when they have admitted that they owe them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.

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 06/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXPERIAN-I NEED TO FILE A DISPUTE AND I CAN NOT REACH THEM. I HAVE TRIED REACHING OUT TO THEM BY PHONE AT LEAST XXXX TIMES AND ALL YOU GET IS A RECORDING. I HAD REMOVED MY FREEZE WELL OVER A MONTH AGO AND I STILL CAN NOT GET A DISPUTE REQUEST. I HAD NO TROUBLE REACHING XXXX AND XXXX. WHY IS EXPERIAN SUCH A PAIN IN THE BEHIND ABOUT GETTING HELP FIXING MY CREDIT ... THERE ARE ACCOUNT THAT NEED UPDATING AND ACCOUNTS THAT ARE NOT MINE ... HOW CAN I GET HELP WITH THIS DISPUTE ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- --

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently learned about the Equifax breach. I am very upset that I did NOT learn about this through Equifax, but rather a few days later through the news. Equifax has not, at the time of this writing, contacted me or my wife. 

Furthermore, Equifax did not make it easy to see if the sensitive personal information of myself or my wife were exposed. While Equifax does have a website ( https : //www.equifaxsecurity2017.com/ ) for this breach, following the instructions there failed to confirm or deny our inclusion in the breach. Instead of appeared to be enrolling me in a program without my consent. It took considerably more time and effort to confirm that our information was exposed. 

When I attempted to use the confirm/deny tool release by Equifax website ( https : //trustedidpremier.com/eligibility/eligibility.html ), I was concerned that the website was actually a scam because it redirected to 'trustedidpremier ' and I had no idea what that company was. Nothing on the preceding page indicated a 3rd party company would be involved. This is not good. 

Once it was confirmed my ( and my wife 's ) information was exposed, credit monitoring was not immediately available. This is a time-sensitive matter. 

The Equifax website failed to note that a free fraud alert could be placed immediately, which would have been useful for those affected to know. 

Equifax is offering free credit monitoring, but they are doing so via a company owned by Equifax. This is not acceptable. 

The terms and conditions of the credit monitoring are overly restrictive. It is my understanding that the New York Attorney General is investigating if these T & C are even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (VA).
Issue: Shopping for a loan or lease

Complaint: I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (Other banking product or service) with BANK OF THE WEST (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.

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 10/24/2015 about Mortgage (Conventional fixed mortgage) with LOAN SERVICING GROUP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Requested loan modification due to loss of income, financial hardship, illness, was denied, loan company refused to work with " third party '' ( XXXX ) to resolve delinquency issues. My Balance has not changed in approximately 12 years {$18000.00}. My payments are not being applied. Abusive collection procedures. Was sent to eviction court immediately after having XXXX surgeries. Paid {$2200.00} to loan Company. There is no history of this payment are any other payments todate.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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 which seemed to initially happen back in late XXXX of 2017. 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 that my data was likely stolen

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Bankruptcy Protection and the bank still foreclosed on my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation