milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: To Whom It May Concern : On XX/XX/XXXX i went to XXXX XXXX store to buy a cloth, the cashier suggested me to open a credit to save 10 % so i did it. i put the first purchase in the amount of {$58.00} in the credit card. on XX/XX/XXXX, i received a called from credit card company telling me that i did n't make the payment, i explained to her that i never received the credit card or statement that is why i did n't make the payment. i told the representative i would like to make the payment and keep my account with XXXX balance, as we agreed i make the payment of {$58.00}. 
On XX/XX/XXXX, i received a statement with the late fee, i spoke to manager XXXX, she said i have to pay for late fee. due to payment of {$58.00} was on second day of cycle period. she refuse to do anything. so i told her i would not pay any of fee and i ask her to close my account. she said she will. however, she never did. i still got hit with late fee after late fee. 
the credit card company refuse to close my account, just keep hitting me with the late fee and interest charge. as consumer i felt very unfair, i never receive the credit card, never use the card, and I already make the full payment, i should n't need to pay for all the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Medical debt) with United Revenue Corporation (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Dear Sir or Madam ... I've been requesting the information for the Debit for a couple of months now ..I received a typed letter with the collection agency name on the heading stating it was the Bill ... so I went on Identify Thief.gov..and processed the paperwork requesting this information ... I sent to the Reporting Agency XXXX and to the Collection Agency ..United Revenue Corp ... XXXX opened up a dispute with my documents..I reached out the collection agency and was told they wouldn't be sending me any information and there wasn't anything else they could do for me and will continue to report to the credit bureau..I had my documents including my ID.. ( driving license ) .. Notices to Furnish., and Identify thieft report notized but my bank .. Requesting documents..I was told they don't have it and won't be sending me anything.. Reporting amount XXXX.this is not my account ..I have no contract with either company XXXX XXXXXXXX XXXX XXXX or United Revenue Corp .. Reporting date XX/XX/2013 5 years ago

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid "  medical data ''  account with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score and is preventing me from moving forward on a home loan for m y family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: Information belongs to someone else

Complaint: I have previously disputed several erroneous credit unquiries on my Experian report. THERE WAS NO WRITTEN CONSENT GIVEN. Under the Fair Credit Reporting Act experian must investigate and verify disputed items. Simply saying they are valid inquiries without actually looking to the matter is NOT SUFFICIENT. These are the inquiries, I have not given written consent for these inquiries as the law requires for them to be authorized : BK OF XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2017

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a consolidated student loan with Navient and fall under the lawsuit filed against them by the federal government in over charging interest rates and hiking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

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 02/15/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off the balance of this account and closed the account, and they said i owe a {$27.00} late charge. they have been charging me a late fee on a late fee that now totals over {$250.00} which i refuse to pay. this is ridiculous that this fraudulent charge should affect my credit score. I paid them what i owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Credit Karma, Inc. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have reason to believe my identity has been compromised through Credit Karma 's website. I have attempted to contact them requesting alternative ways to log into my account and they have neglected to respond or at the least even address my concerns. The profile is registered under an email account I have no knowledge of but I have a good idea of who the culprit could be. I intend on filing a police report report but it is rather distasteful a corporation can extend access to my identity in seconds but ca n't help me in attempts to protect my privacy ... if emails are being sent by Credit Karma they are being sent to the erroneous emails since they have n't bothered to respond with appropriate steps for me to access MY account.

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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  XXXX   XXXX ,  XXXX  I subscribed to a  XXXX  year computer virus protection "  XXXX  '' for {$31.00}. I turned the auto renew off so I would n't automatically renew after a year. However, in  XXXX   XXXX  the company charged me {$74.00} for an auto renew.     I contacted my credit card a t BOA an d at first they put a hold on the charge. However, the vendor responded to the bank that the charge was for an active account and was auto renewed. BOA then put the charge back on my card.     I called BOA and explained that I was not set for auto renew and they told me it does n't matter because the companies website states that subscriptions auto-renew. I explained to BOA what is currently on the website is irrelevant because I have a document that shows I am on manual renew.     I told the bank this was an unauthorized and fraudulent charge and I wanted it removed. BOA told me they would not do that because I authorized the charge. BOA then told me a charge is not considered fraud or unauthorized if at any point in time you give a vendor your credit card information.     I was very confused with this statement and asked them a question using this example.     " If I were to go out to dinner and pay with my credit card, an d four we eks later the vendor charges me for a meal when I was n't there that would not be fraud because I previously gave them my credit card information? '' BOA told me that is correct.     This seems unbelievable to me, and I was talking to the card manager.

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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got a call from XXXX at Transworld Services at XXXX. Said my daughter owed money for a XXXX for contractor work. Checked and the XXXX is several states away and has no file on my daughter. Furthermore, my daughter is XXXX years old and mute and therefore can not order anything. Told this to " XXXX '' and she was adamant about getting my information to pay this imaginary dept. I asked if I could contact her and she gave me a different number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On, XX/XX/XXXX, I received a letter from U.S. Bank stating I had an outstanding balance for a secured XXXX line of XXXX in the amount of {$150.00}, of which {$30.00} was past due. This secured XXXX account was closed three months ago per my recorded conversation with the bank. The bank proceeded to tell me that there was an {$800.00} credit on my account and that the check is being sent in the mail, and that the account was clear to be closed. I called U.S. Bank onXX/XX/XXXX, and asked the employee to explain what the charges were for and how were they accumulated. <P/>The employee stated that there were several miscellaneous XXXX XXXX charges, and for each one charge they had added an additional late fee and there is a current outstanding balance. <P/>Then I thought things are not adding up here. I closed this account three months ago, I get this letter in the mail, ask this employee to explain why a closed account of more than ninety days is showing a unpaid balance on an account that had a {$800.00} credit..She does n't know ... Their superior was unavailable due to high call volume ... I asked her why was n't the outstanding balance deducted from the credit? She could not provide an answer. <P/>This account is somehow accruing late fees which thus implies that the account was never closed on U.S. Banks end ... ..This drew me to my final conclusion that U.S. Bank is engaging in several deceptive trade practices. First by breaching it 's contractual duty to close my account, intending to defraud me by cooking up fictitious fees, and trying to ruin my chances of obtaining further credit with other lenders by holding my account hostage.

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 07-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My annual free credit report from Equifax is unavailable online. 
Last year I was required to print and fill out a paper form and mail it, along with other documents containing my SSN and complete identification information, in order to receive my report. This year they have imposed the same requirement. The other credit reporting agencies do not require this. Why does Equifax? Are they choosing to put me at risk of identity theft in order to discourage me from requesting my report?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with U.S. BANCORP (NC).
Issue: Advertising and marketing

Complaint: Hello, XXXX XXXX, XXXX I received a mailing from my local bank that I have had an account with for XXXX and a half years. There was an application for a " Pre Approved Credit Card '' in bold letters.I thought that because it was my local bank I would fill it out and send it in. I found out later that a hard inquiry showed up on my credit report. I called my bank and found that it was actually a credit card company that has a business relationship with my bank. I was also declined for the card. 
The issue is that between XXXX and XXXX my credit score suffered because of the loss of my business and my difficulty at finding a job at XXXX years of age. Prior to that I had great credit and since then I have worked hard to improve my rating. 
I do n't think this company should advertise for " Pre Approved Products " that are not actually pre approved, especially through my local bank that I was led to believe the application came from. I contacted my bank and they were sorry for the misunderstanding but there was nothing they could do because it was a different company entirely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I never wanted Midland Mortgage, my mortgage was sold to them. I 've been stuck with their poor customer service for years. At the same time I 've had the same insurance carrier and renter for 15+ years. Every now and then I 'd get a warning letter and one would also be sent to my insurance company saying, 'It has been brought to Midland 's attention that my house is abandoned, or that they want to report that I have a renter. I 've had the same renter for over 15 years..that 's not a surprise. 
Then one day I received a call from Midland and the female service rep started asking me all sorts of personal questions ; I told her nothing has changed that should be reported to Midland but she persisted. Since I did n't want to continue with her I told her I was going to hang up, which I did. 
Within a few days I received a letter from Midland saying that since I did n't have insurance on my home, Midland was going to have another company insure my house for over $ XXXX+ for the year because I had let my insurance lapse. I immediately called Midland to say my insurance has been combined with and paid with my mortgage payment since I first signed for a mortgage, they could check their records. And I told Midland in a phone call that all this was probably due to me not wanting to answer their rude service rep 's questions and to please review the phone conversation if they taped it. I followed that call with one to my insurance carrier and they still had me insured. 
Instead of correcting their error, Midland continued to bill for this additional, higher premium insurance with my monthly mortgage payment. I called and sent proof of insurance in again and made Midland sign that they received the paperwork. When I 'd call to follow up, they said they did n't see any correspondence on file. So XXXX forced me to pay twice for insurance for a full year. This additional $ XXXX charge was broken down and added to my monthly bill. 
I called again and sent in paperwork to prove my house was insured and followed this with letters requesting help and documents to the Oklahoma State Attorney General, the Oklahoma XXXX and the Federal Trade Commission. Not one responded. And the extra charges built up with late fees if I could n't make the full payment on time. After one full year, Midland stopped overcharging me but they never corrected their mistake and never paid me back. I think it was all due to that one service rep who wanted me to answer a ton of personal questions and I refused. My mortgage is paid off now but in the decades I was stuck with Midland Mortgage they never once replied to a letter or correspondence I sent them.

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 06/26/2016 about Debt collection (Medical) with Credit Adjustments Inc (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been receiving harassing, threatening and XXXX threats telephone calls from Credit Adjustments , Inc. representatives in regards to an account and debt of {$440.00} that I do not owe. The debt do not belong to me. I am a victim of identity theft.

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 04/19/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation