milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the trade line on my credit report titled XXXX XXXX XXXX Acct # XXXX. Equifax is reporting status 60-90 days late, This is incorrect the account status should be paid as agreed, Closed. Equifax is reporting 30 days late in XXXX 2015 this is not correct, also reporting 90 days late in XXXX 2015 also not correct. The trade line is in the negative account section even though it is a positive Acct. Equifax refused to correct and claims they verified. However I verified myself with the creditor, and it does not appear the Equifax actually contacted anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax fails to respond to errors on my report They fail to update balances They fail to remove errors They do not update me on my requests They  drop my FICO   XXXX  points with no explanation When I request a copy the page states unable to complete your request When I call  XXXX  number they hang up This is a disgrace There is a  XXXX  point difference in equifax compared to the others I need Help

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: When trying to acquire my free annual credit report, I first went to freecreditscores.com and quickly realized that Experian was going to try to enroll me in a " Trial-membership '' if I asked for my report. I exited and learned I should go to XXXX. I entered the required information and ended up on the Experian site which offered a Credit score for {$1.00} and/or the free report without membership. I did not see anything about this trial membership at this point. There were other offers that were obviously paid offers. I paid the {$1.00} and received the Experian credit score but did not receive any type of receipt for my payment. ( but I did 7-days later for the {$21.00} ) Had I scrolled up the page from where it started, I would have seen the " Important Information '' about the trial membership. Also not included in the " Important Information '', is a statement at the very bottom of the page stating " ** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge. '' ( If you call their customer service and hear the sales pitch ) You have to scroll down past all of the graphics and ads to find this. No reason it should not have been included in the " Important Information '' directly and is clearly a deception. In the " Terms an Conditions '', membership is mentioned but no mention of an automatic trial membership and charge. I was on the look out for schemes such as this and was still duped. Experian should be dropped as a credit reporting agency and a part of the federal free annual credit report program. It is only a trap for a company that profits from the sale of credit information to third parties. That 's just my opinion. I hope you can stop this as this has gone on for years with a slap on the wrist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? 

Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. 

The situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. 

However, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX XXXX that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's

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 05-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Listed on my credit report under adverse accounts is Capital One Bank. I have never opened or paid or applied for this account. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with Internal Check Systems, LLC (MO).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a call today from ( XXXX ) XXXX. She stated her name was XXXX XXXX and was calling with Check Systems/Consumer Report Agency about fraudulent activity on a XXXX XXXX account. She stated I needed to call her back immediately or have my lawyer call her. My father also received the same call and she threatened him with begin served if he did not make sure I called them back. They gave me one file number and him a different one. I know this is a scam and want it to stop immediately.

Company response to consumer: Untimely response
Consumer complaint received 02/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ...  so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Struggling to pay mortgage

Complaint: I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Payday loan) with Green Trust Cash, LLC (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: I received a {$300.00} loan from greentrustcash on approximately XXXX/XXXX/XXXX. Where it was set to pay back in increments of {$78.00} every two weeks on my pay day. 4 payments were taken out respectively on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$310.00}, equaling an overpayment of {$12.00}. 

It is now to my understanding that Greentrust applies a 699.99 % annual percentage rate to the loan set out to 8 payments of {$78.00} which would total {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Retrieval-Masters Creditors Bureau, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I am receiving up to 10 calls a day, during all times of the day, from Focus Receivables Management. They do not identify me by name, nor do they name the debt I " owe ''. We recently declared Chapter XXXX bankruptcy, and 100 % of our debts were discharged. We still have a mortgage, but no other debt. We are current with our mortgage and have never made a late payment. Focus Receivables Management calls and claims I have this debt, when I have a copy of my husband 's and my credit report in front of me, showing all debts discharged. 

I do not want them calling me any more. I find the calls XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 06/28/2017 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report

Complaint: I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Douglas, Chancellor, Meyers and Associates, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Around XX/XX/XXXX, I started receiving phone calls from Douglas Chancellor Meyers & Associates stating they were a debt collection agency and I owed {$29.00} for something. I hung up on them a few times over several days because I had no outstanding debts and considered it a scam. 
I received a letter on XX/XX/XXXX stating it was for XXXX XXXX XXXX XXXX XXXX XXXX. Again, I thought it was a scam because I never received a bill from the principal. 
The last time I saw XXXX XXXX was on XX/XX/XXXX for a consultation. I was billed {$220.00} for that office visit in XX/XX/XXXX, and mailed the balance due to them that month. 
All of this could have been avoided if XXXX XXXX would have billed me directly first instead of giving it to a debt collector. 
I have informed the operator at Douglas Chancellor Meyers & Associates twice in the last 2 weeks that I have paid the bill and to stop calling me. They continue calling, 1 to 3 times a day with a recording. The last call was today ( XX/XX/XXXX ). I pushed the " 0 '' option to talk to someone again, did not work. 
I attached the 2 letters I sent out to both parties. I can send the letter Douglas Chancellor Meyers & Associates sent me if needed - have to get it scanned somewhere first.

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 TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is TD Auto Finance. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with explanation