milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am requesting the removal of a bankruptcy on my Experian credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. 

I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . 

Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: BETWEEN  XXXX    XXXX 2017  THRU  XXXX   XXXX ,2017 I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

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 04/19/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX student loans through the college that I attended. I applied for deferment for the student loans in the past a reapplied once I received notification that my deferment was over on XXXX/XXXX/2016. I found out that I would not be eligible for deferment again but I would need to pay interest accrued during my deferment on XXXX plus my monthly payment arrangement. I called the office on XXXX to see if I could apply the accrued interest into my monthly payment and then was told yes. I asked if this meant my accounts would not be reported to the credit bureaus as past due and was told no. I found out after the fact of making that monthly payment arrangement that my accounts were reported as past due. I called and they listened to the tapes and emailed me stating that I was given wrong information but my accounts were past due so the reporting would stay. I asked if I made payment that day would I be able to reverse the reporting since I was told I did n't need to make the payment for the interest and was told no. Then, today I was emailed that if I do not catch up the past due I would be sent to collections. I then went online to make payment but my balance went up over $ XXXX. I called and was told " after review, my deferment should have been up on XXXX account in XXXX and the other XXXX '' So, therefor they have back billed me for time that I was told I was under deferment and have charged me another $ XXXX that has to be paid by the XXXX or I will be sent to collections. Also, they reported my account as over 180 days past due to the bureaus when my bill for the accrued interest was due on XXXX. They said that was because the interest accrued for the time I was in deferment. I never received anything that stated if I do not pay the accrued interest after my deferment I would be past due the whole time of my deferment. I have been mislead multiple times and I feel as though I am trying to make this right but I keep getting more and more charges or problems each time any communication is received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Advertising and marketing

Complaint: I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows XXXX, but when I contacted this number the recording states, office of XXXX or XXXX I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from XXXX. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from XXXX. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after XXXX years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with U.S. BANCORP (CO).
Issue: Closing/Cancelling account

Complaint: Hello - I opened an account with US Bank approximately 2 years ago. I was a " secured credit card '' - the terms were that I deposited {$5000.00} into a secured account and was granted a credit card with a limit of {$5000.00} corresponding to my secured account. 

I decided to close this account XX/XX/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account XX/XX/XXXX. I was told my {$5000.00} would be refunded shortly. On XXXX XXXX, 2015 I was told again that my check was being cut and was being mailed that week and I would receive it by XX/XX/XXXX at the latest. It is now XXXX XXXX, 2015 and I have not received the funds I deposited with US Bank. 

I 've had a frustrating time dealing with the customer support as they make it very difficult to get information and have so far given me false information regarding the {$5000.00} that they are withholding from me. They have kept my funds for over 2 months and repeatedly misrepresented the return of those funds. I regard this a fraudulent in that they represent one thing ( that the deposited funds are easily recovered once the account is closed ) and their behavior suggests that they are holding the funds purposely for their own gain ( they are collecting interest on my funds ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Equifax has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX XXXX XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine XXXX that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An address listed on my Equifax credit report is not mine. This address is my Ex fiance 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account has been paid off and closed. company sent the last bill did not received.

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 02-09-2017 about Debt collection (Federal student loan) with Performant Financial Corporation (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have made many attempts to try and resolve the claimed outstanding debt but the company will not speak with me. They claim account is in a status they can not speak to me about yet they continue to report to credit and they do not allow me to make any resolution

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 10-03-2016 about Payday loan () with ACE CASH EXPRESS, INC. (MD).
Issue: Applied for loan/did not receive money

Complaint: Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified. The most recent being case XXXX where the issue was rectified and closed. You will notice in the response that XXXX did not dispute this information and TrnsUnion agreed with my information. I noticed today that the information was added BACK to my credit report. This again is in regards to a BALLOON loan which can be late only once and the time late can be updated but it would still constitute ONE late payment. I have attached the previous TransUnion response.

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 04/29/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Remitly, Inc. (CA).
Issue: Problem with customer service

Complaint: They have refused my service and they really have no grounds to do so. The little info I was given is very weak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I added a debit card to my PayPal account, and completed a large purchase with XXXX. Using PayPal as the payment provider ( and using the debit card as the payment source ), the transaction completed. 

An authorization charge for {$20.00} was posted at this time. 

On XXXX XXXX, XXXX, XXXX the payment fully went through with the following description on PayPal : " XXXX XXXX You 'll see " PAYPAL XXXX XXXX '' on your card statement. 
on XXXX XXXX, XXXX '' I did not receive any following communications from either PayPal or XXXX. I received my product and everything was fine. Until earlier this month, I got an adverse action notice stating : " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is {$3500.00}. '' I checked with the card provider and I can verify that the full amount was charged to my card on XXXX XXXX. 

Therefore, PayPal is asking that I pay a debt I do *not* owe. 

I called them today XXXX XXXX XXXX, XXXX ) and they said my card was declined which is why I was " fronted '' the money. Of course, this is absurd. If the card was declined, then they would have stopped the transaction instead of asking me to pay over {$3000.00} in debt. 

This is crazy!

Company response to consumer: Closed with explanation