milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom it May Concern, I have recently obtained a copy of my credit report that reflects a credit inquiry made by your company that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

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 09-01-2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: I am XXXX and my wife XXXX XXXX, have a chase checking and saving accounts. Somebody scam and wire all money from XXXX accounts, in XXXX Transactions in 2 days. Ones that person who did that, was moved from saving to checking account {$3900.00}, then wired too. Everything was happen at XXXX XXXX and XXXX 2015. All details for these wire transactions included with printed statements. Chase told me, I have to make a police report for further actions ; otherwise they ca n't help me with this money refund, because 35 day already passes. My understanding is, that this scamming was done by some chase employee, because this suspect knew my balance and, or access to accounts without hawk account password nor email account password, witch is required to access both email and chase bank accounts at the same time. In 2 month, I did n't get any alerts for this scamming by phone, email nor texting, witch is supposedly to notify me and indicated for this horrible scamming ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I have returned items purchased on OldNavy.COM and paid for with the OldNavy Credit Card back in XXXX XXXX. It is now XXXX of XXXX and I am still being charged for the items purchased and returned and authorized to return by their company. I have contacted OldNavy multiple times to no avail and bad customer service, to escalating this to opening a dispute with the OldNavy Credit Card, to no avail. I am still being charged interest, late fees ( now ), and the balance for items return of about {$120.00} more than 6 months ago. They are stealing from me and going to damage my perfect credit if they do not fix this once and for all. I have called both the company and credit card issuer multiple times, and sent in documentation MULTIPLE TIMES to recieve notices in the mail that they closed the dispute or made a mistake and reopened the dispute. Then the website warehouse claims to not have received my return, but then they said they returned my return to me after authorizing it an acceptable return, and I have no package and no items and I 'm still paying for this horrendous experience. Please get my money refunded and place this company on a watch list. This is over SIX MONTHS and 22 phone calls and being treated like GARBAGE by their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no idea what this debt is for!! I am not aware that I had not been making payments or how much I was suppose to make and who I owe the debt to.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 09/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with U.S. BANCORP (VA).
Issue: Advertising and marketing

Complaint: In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: # 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # 3On XXXX XXXX, XXXX I received a notice from XXXX the account was referred to XXXX XXXX XXXX who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# XXXX placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XX/XX/XXXXThe above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when XXXX XXXX purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out to XXXX have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXXCopy of notice from XXXX XXXX XXXX XXXX XXXXCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 04/19/2017 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted and complained to all of the inquiries to each company no response

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX  report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Confusing or missing disclosures

Complaint: XX/XX/XXXX  paypal funds a loan for {$8000.00} at 30 % repa y Paypal b alance was {$19000.00} XX/XX/XXXX  Paypal deactivates my account/debit card and ability to process transactions without notice.  <P/>  XXXX   XXXX   Paypal reactivates my account.   <P/>  XXXX   XXXX   Paypal s ets a {$10000.00} + 18 % reserve on my account. Seizing {$10000.00} indefinitely and applying 18 % of sales to a 90 day rolling reserve. Taking a collective 3 % transaction fee, 18 % rolling reserve fee + 30 % loan fee = 51 % of gross + {$10000.00}  XX/XX/XXXX   Paypal denies my claim to speak with a representative about revie wing my case for a minimum of 90 days.  <P/> I liquidated inventory to cover expenses I had fallen behind on from a slow   XXXX   sales year.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IN).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.

Company response to consumer: Closed with explanation