milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Sent Equifax letters for public record removal and also accounts that were listed that are not mine. They have my name listed wrong on my report and i cant get into the online dispute tool. All of the questions that they ask do not pertain to my credit file so how am i constantly locked out. They removed the XXXX bankruptcies and added them back. THEY ARE NOT MY BANKRUPTCIES. I have only lived at XXXX of the addresses that are listed also. I work late and dont have time to call in and dispute this info by phone. There are also multiple inquiries that were not obtained by running my social security number but someone elses that they have mine mixed up with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have XXXX unauthorized inquiry on my credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid all the way up until the end now this company is stating I owe $ XXXX This is a scam. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.

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 03/21/2017 about Credit card () with DISCOVER BANK (MT).
Issue: Billing disputes

Complaint: I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I sold our house and moved from XXXX to XXXX in XX/XX/XXXX. I was hit with a big bill from XXXX XXXX for {$580.00} in 4 mos. I paid it off by a personal check on XX/XX/XXXX. XXXX XXXX, my ex-utility company, continues to send off debt collectors in spite of my many attempts of phone calls and mail correspondences to stop such harassment. 
Would you please advise? I thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit card protection / Debt protection

Complaint: Please review the chat attached. I have an issue with how Capital One is reporting information on the Cardholder 's end in comparison to their end.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Chase has blacklisted my personal methods to bank with them. Chase closed down my business accounts many years ago without merit. Apparently this is affecting my personal relationship with Chase, keep in mind I have a mortgage account with Chase. I want Chase to take me off these lists because I am unaware of what blacklisted me. This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Equifax report name is incorrect. My correct name is listed under " Other Names Used ''. I downloaded a report on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX and Experian, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Card declined for no reason. When I call to clear the purchase, am on hold for over an hour and still no answer. I need the card for my business. Bank of America has no respect for its customers. This should be resolved in 30 seconds with an automated system.

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 06/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home went to Auction at the XXXX XXXX, WA XXXX on XXXX XXXX, 2015. I contacted XXXX XXXX and gave them our case CFPB case number XXXX. 
On Monday XXXX/XXXX/2015 We were served an Eviction Summons ( residential post-foreclosure ) that we need to respond to by XXXX XXXX, 2015. It is from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Phone number XXXXXXXXAs being included in a Class Action Lawsuit against Green Tree Servicing LLC , I am informing them in writing of such and we will not be leaving our home until this is resolved. We have worked with them diligently to keep our home to no avail. We will be appealing this process with the XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this account twice, I have not had services from this creditor in at least ten years. So even if it was XXXX of my old bills, it is past the statute of limitations in Illinois to be on my credit report. But, it is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The lender has refused to postpone the foreclosure sale to allow the client time to refinance her reverse mortgage loan - They have not provided the client any resolution options prior to the XXXX sale being active.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry

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 08-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Im receiving letter of a debt from portfolio recovery, i dont know who this people are they are saying that they are on behalf of XXXX XXXX XXXX and i have never had an account with this people and i have no idea how they always get my new information plus they always threating me saying that i will get into trouble if i dont pay and they asking me personal question like my social my date of birthday my address and what kind of car i drive. Im a little freak out. I dont own any money to this people and i want them remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with The Best Service Co.,Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,

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 07/13/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I reached an agreement with XXXX XXXX XXXX to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX, we ordered a phone using our rewards points from our Sony Rewards Card with XXXX XXXX. The email states we will receive another email when it ships. When I called on XXXX asking for an updated status, I was told that they had no additional information on the order, and it has not shipped. On XXXX, I was told that the system was down for maintenance ( on a Friday afternoon? ), and no new information was available. On XXXX, we were told that orders can take 4-6 weeks for delivery. I feel this is a misleading and terrible rewards program and they are not clear on the timing of delivery upfront. They also provide horrible customer service and refused to provide any information when we called.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Auto) with EXETER FINANCE CORP. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft. XXXX XXXX XXXX are trying to collect a debt that I do not owe. XXXX received my information from Exeter Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I tried speaking to customer service at Wells Fargo on XX/XX/2018, the day after I was notified that my credit had been pulled. I was transferred several times to different departments, each department saying they wouldn't be able to help me with this situation. I was trying to reach the fraud department. They denied that they had a fraud department. Whoever I ended up speak to at Wells Fargo ended up hanging up on me. I wasn't sure what to do or how to resolve this issue. So now I'm filing a complaint on through consumer finance in hopes that this fraudulent inquiry will be resolved.

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 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: When I signed up for an American Express card, I was told over the phone that the annual interest rate would be 16.99 %. On XXXX XXXX, XXXX, I was charged approximately {$36.00} dollars in interest in two separate interest charges, an amount that seems significantly higher than what should be, according to the original terms. Despite my multiple requests, American Express representatives who I contacted on XXXX XXXX, XXXX refused my request of a formal audit, not only to look at this calculation, but other months in which I may have been overcharged. The refusal to investigate further leads me to suspect that there may be other aspects of this that are unfair or in violation of laws. Can you audit my American Express account since they refuse to?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.

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