milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 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: Information is missing that should be on the report

Complaint: LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my and many others ' personal information including our social security numbers, phone numbers, addresses, and more, leaving us vulnerable to identity theft. Their cybersecurity is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I submitted Payments on a Monthly Basis of {$430.00} US Bank Is Claiming I never paid when I did. I than call The Company and they take my call and than put me on a long hold of XXXX to XXXX min why they claim to check records

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 12-06-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Non-federal student loan) with Capital Management Services, LP (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: American Express reduced my credit limit in half, now making the card over 90 % utilized. They claim this change took place due to an automated account review by their system, that there was no human review. Now in order to increase the credit limit to it 's original limit. I am forced to pay or send pay stubs within 30 days so that a 90 % utilization is n't reported to the credit bureaus. This is unethical and just poor customer service. If the CFPB can not help resolve this issue I will pay the card in full and close the account. I am a new customer and have only had the card 1 year, closing this account with this short history will not adversely effect my scores. I would also like to note that I have never been late or missed a payment, this is acknowledged by this credit issuer. I spoke with XXXX a supervisor and a Manager XXXX XXXX on X/X/2017. Who were both slightly rude and refused to restore the cards original limit. Amex says to pay or submit paystubs. This is a forceful bully tactic, I have other cards with now higher limits and better customer service. My income and employment status has NOT changed. I should n't have to jump through hoops to appease Amex because the demand it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ignored and continued to negativley report on my report causing hardship

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an unauthorized inquiry on my Equifax credit report from XXXX XXXX XXXX on XXXX XXXX, 2017. I have disputed with Equifax and has not been resolved in the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In reviewing this public record, I have noticed that the date reported has been updated to the year of 2015. If you search and review my older reports it will show that this was reported prior to 2015. This information is incorrect and must be removed if proof can not be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Vantage sources sent a form in the mail with an attempt to collect over {$700.00} from a XXXX account I suspended a few months back. The debt collectors claimed to file a law suit if I did not pay the money back within 30 days. I suspended the billing on the account the same month I had already paid the first bill. I should not owe these debt collectors and I confirmed with XXXX that I do not owe any sum of money to them personally.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have paid memberships to XXXX XXXX experian.com and XXXX. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my experian & XXXX  reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. Experian & XXXX are my lowest scores. The second item is on experian under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on XXXX and equifax. So how can that be. A third problem with experian is every time I pay down or off a balance my score will go up on XXXX & equifax but my score goes down XXXX to XXXX points on experian for the exact same positive item. Every time I speak with experian or XXXX XXXX they put the blame on one another and nothing ever gets 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 explanation
Consumer complaint received 10-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN LOAN SERVICING, has illegally reported a pending ligation on my XXXX credit report. This loan is currently in the California courts for illegal and fraudulently tactics concerning the recent modification on my account. below is my XXXX report showing recent activity. 
OCWEN LOAN SERVICINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balance {$330000.00} as of XX/XX/XXXXStatusOpen. {$40000.00} past due as of XX/XX/XXXX. 
Date openedXXXX/XXXXDetailsYou requested that we add the following statement to your credit reportStatementLitigation Pending.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I apply for capitalone credit card I was approved then when I get it and when I activated it say it 's frodglent it happen twice ... and when it to type my last 4 digit of my ssn it say it not that wright number

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collection agency never notified me of the negative information that they reported. I contacted them via phone regarding the best and they refused to have it removed being that I was never notified of any negative information that they reported.. This Debt was paid on XXXX/XXXX/2015, Experience XXXX claim they investigated and as of XXXX/XXXX/2015 the debt was still unpaid which is totally inaccurate. I paid this debt with a Mastercard and there is no way that this should still be reported as unpaid. The agency continues to report inaccurate negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Central Financial Control has XXXX collections listings on my credit report. They span XXXX - XXXX. Each is for a different amount. It is illegal for a company to report a false amount. Furthermore, I have no idea what these are for. I have already attempted to contact the company, and get proof of these debts. The company ignored me.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.

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 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX and after 10 years of living at my previous address on XXXX XXXX, XXXX I gave written notice that due to unforeseen circumstances I needed to break my lease, attach is a copy of the notice. On Monday XXXX XXXX, XXXX my son dropped off the keys, at that time he was required to sign a move-out key receipt card along with reason for moving out and forwarding address to forward my security deposit, after inspecting the apartment. About 2 1/2 weeks later I text to find out the status of Mt security deposit and the XXXX XXXX the assistance property manager response to me to let me know that the law allow 's them 30 days after move-out date to return deposit. OK fine. On XXXX/XXXX/XXXX I again email XXXX XXXX to advised her that the 30days was up and my security is way overdue and has per the law my security is now doubled. ( CAUSE BY LAW I MUST BE NOTIFY OF MY SEC. DEP. OR WHY I AM NOT GETTING A REFUND ) attach is all the email after going back and forth I decided to file a suit in tenant landlord court. XXXX XXXX, XXXX I showed up in court for the judge to hear my case, which at that point for the first time the judge and myself was notified that they XXXX was filing a counterclaim against me, at the point the judge advised me of my rights if I wanted reschedule or go ahead with my claim against them, and at a later date they can come back for him to hear the counterclaim. Attach is a copy of the judge order ON MY CLAIM which was dropped, on XXXX XXXX I was scheduled to go back to court for XXXX XXXX COUNTERCLAIM AGAINST ME. XXXX XXXX OR THERE ATTORNEY NEVER SHOWED UP FOR THERE COURT DATE SO THE JUDGE DISMISSED THERE COUNTER CLAIM AGAINST ME. ATTACH IS HIS ORDER. AT THIS POINT XXXX XXXX is STILL TRYING TO COLLECT AFTER THE JUDGE DISMISSED THERE CLAIMS. I have faxed over a copy of the court order/judgement to XXXX XXXX at XXXX. She emailed/verbalize me in response to the judge/court order that I am still responsible the court order means nothing. Please assist me in resolving this matter. XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: U.S. Bank is telling me that I owe them overdrawn balances when, once again, my accounts were fraudulently used and some were opened without my permission. Furthermore, I 've asked them several times to investigate these claims that were fraud transactions and they keep denying me without giving me a reason why!

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 08/21/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Phoenix Financial Services is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. Phoenix account number is XXXX. This is the same item that I disputed and filed a complaint in XXXX XXXX Re : XXXX Complaint # XXXX ... XXXX XXXX XXXX. I sent an email to Phoenix Financial on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but Experian investigated with a reponse that account closed with a Balance deceasing every month.

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 05-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Settlement process and costs

Complaint: Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and " we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was " reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report. Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

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