milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NY).
Issue: Managing the loan or lease

Complaint: There us an account added to my credit report from Exeter finance. This account does n't belong to me. I want it removed. Please verify social security number. My ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I wanted to get my XXXX credit report. I thought the process was simple, but it did n't work for me. I applied online but received the message " unable to confirm identity '' and then message " If I leave page now I wo n't be able to receive my free reports for a year '' That 's totally unfair, I have the right to see my reports online and do n't want to go through cumbersome process of filing paper forms. This would be difficult since I 'm XXXX and I do n't have a printer. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX 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 10/26/2015 about Debt collection (Credit card) with Daniels Norelli Scully & Cecere, P.C. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX 2015 at XXXX pm I returned a phone call that I received from a company called XXXX, XXXX, XXXX, XXXX. I spoke briefly with representative ( XXXX XXXX ) who left a previous voicemail requesting that I call back the company. XXXX XXXX refused to provide my request to send out written documentation regarding the nature of this particular phone call. The address that she stated as being my residence was incorrect yet she refused to correct and update the information. She ultimately threaten me by stating that the sheriff would be coming to my job and serving me. She did not state an amount or why I would be served. She hung up the phone after making that statement. According to the pre-recorded disclaimer the phone call should of been recorded by the company. I need to know if this call was legitimate. I am really skeptical because this person was so evasive and ultimately became belligerent whenever I requested the information be documented and mailed to me.

Company response to consumer: Closed
Consumer complaint received 01-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: We, XXXX XXXX  and XXXX XXXX XXXX had joint stores credit cards with XXXX XXXX  for XXXX stores and XXXX and XXXX   stores, respectively. Our accounts were opened in 2017 and we had planned to use the credit for a new air conditioning unit and a riding lawn mower. However, while in the market research phase of our pending purchases, our home and state were hit with a devastating hurricane Irma. As a result, we had to delay the pending purchases, due to damages suffered from hurricane Irma and to perform said needed repairs.

Today, we were informed by our credit monitoring service XXXX  that both our accounts were closed by XXXX XXXX. We were never informed by XXXX XXXX or given any opportunity to keep our accounts open. It is very disappointing and financially devastating to us that XXXX XXXX  chose to close our accounts without notifying us. In addition, we were in the process of finalizing our purchases of a new home air conditioning system and a riding lawn mower ( XXXX  is a XXXX  veteran with XXXX XXXX ).

We are seeking assistance from this agency to get our accounts reopened and our credit lines restored!!! Thanks in advance for your kind assistance.

Regards, XXXX XXXX and XXXX XXXX XXXX.

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 10/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
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: Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: YES HI, I 'M NEEDING YOUR HELP WITH TRANSUNION WHEN THEY HAD THIS COMPUTER GLITCH! ALL MY INQUIRES WERE REMOVED FROM MY CREDIT REPORT, TRANSUNION NOTICED THE ERROR AND HAD THEM PUT BACK ON MY REPORT THAT IS AGAINST THE LAW!!. WITHOUT WRITTEN NOTIFICATION BEFORE IT 'S ADDED BACK ON. I CALLED TRANSUNION XXXX AND ADVISED THEM AND I WAS TRANSFERRED TO THE SPECIAL HANDLING DEPARTMENT. I ADVISED THEM THAT MY INQUIRES WERE REMOVED AND SUDDENLY THEY REAPPEARED, AND I WAS N'T NOTIFIED IN WRITING THAT THESE THINGS WOULD BE ADDED BACK TO MY CREDIT REPORT. I ALSO ADVISED THEM THAT THIS WAS AGAINST THE LAW & YOUR COMPANY HAS BROKEN THE LAW!!!!! PER FRCA SECTION 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Adjustments Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of 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 non-monetary relief
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Struggling to pay mortgage

Complaint: I applied for a mortgage modification and it was denied based on financials.   There are  two  issues here. First, the bank incorrectly analyzed my financials. The income they used was {$8500.00} and the income submitted with proof of deposits were {$11000.00}. In addition, the expenses they use were {$8400.00} and the expenses submitted were {$6300.00}. A review of my credit report indicates that  HSBC is reporting my mortgage twice. Once under HSBC and the se cond under   XXXX   XXXX   XXXX   Therefore, this error in credit reporting is causing my monthly obligation to be more than it really is. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My name : XXXX XXXX E-mail address : : XXXXXXXXXXXX Phone number : XXXX XXXX XXXX Dubious Financial Practices and failure to post ypricipal as requested I have tried to modify this mortgage several times in the past but Nationstar would not allow me even after my wife died. I applied to refinance it and yet Nationstar refused to assist me. 

I have owned the property since XX/XX/XXXX and it remains on Adjustable Rate and the principal has remained same since then. 

Even though I applied for modification of the loan, when it was denied, Nationstars put the house on foreclosure. i had to pay back all the owed amount including the late fees when I appplied for modification, before the foreclosure was lifted Now I paid XXXX extra in XXXX XXXX and instructed Nationstars to apply this under the principal. The following day, I saw that the money had been divided into smaller amounts which they called legal fees and LATE FEES, I called and spoke to a lady who told me she has put in request to apply the posting towards my principal. 

I checked my account again today I noticed it had not been changed. I called Nationstar 's staff by the name XXXX, at about XXXX ET, who told me the amount was applied towards late fees and it would not be changed.or credited towards the principal as I requested I told him I have not made any late payment since the house was out of foreclosure and I had paid the accumulated late fees when I applied for modification. He insisted that my payments were late and when he went through my account he could not find any late payment and he now told me the amount was applied towards Corporate advance, which I am not aware of. I asked XXXX to let me talk to his supervisor, he kept me on hold for some time and later on hung up the phone at XXXX Eastern time.I have the following complaints 1 ) When I applied for modification and it was denied, I did not have to pay late fees but nationstar made me pay the late fee with the threat of foreclosing on my house after the death of my wife 2 ) I have Adjustable Rate and I am allowed to pay down the principal since my application for modification and refinance were denied. I request Nationstar to post my payment according to my request, towards principal reduction 3 ) Nationstar should reimburse me the money I paid on late fees when I applied for modification and it was denied 3 ) XXXX is unprofessional and rude. He should never hang up the phone on a customer. I have the right to speak to his supervisor if I am not satisfied with his response I would appreciate if my complaints arfe properly reviewed and a response sent back to me at XXXXXXXXXXXX Thanks.

Company response to consumer: Closed with explanation