milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on Equifax, XXXX, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day Equifax, XXXX, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: I have a complaint pending with the CFPB and the practices of BMO Harris bank regarding a home equity loan that I have with the bank. Part of the agreement was that they were to pay off credit cards and private student loans as of XXXX XXXX, 2015. To date, nothing has been paid by BMO Harris. When I ask for proof of payments, I receive no response but I am told I am responsible for the {$34000.00} that they supposedly paid off. When I attempt to contact customer service I am told that I have to speak to the branch, that they are unable to assist. I do not want to lose my home because BMO claims to have made payments that have not been made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: I was one of many thousands of people whose information was stolen from Equifax through a data breach. I signed up for the XXXX product which provided credit monitoring and $ XXXX of protection for those whose information was stolen, provided by Equifax. I have emails from XX/XX/XXXX stating that I had successfully signed up for the service and paperwork showing that my policy number. 
I called Equifax on XX/XX/XXXX and was told that actually I hadn't successfully completed the sign up for XXXX   product and because it was after XX/XX/XXXX that they could not offer me that protection anymore. Now they could only offer me a much lesser product ( Lock & Alert ) which would only alert me for some type of identity theft with no protection. I feel this is unfair since the emails from Equifax indicated that I had successfully signed in. Plus, their website was in terrible shape when they setup this program causing tremendous delays and what I now see, lots of errors which were not obviously to the consumer. Shame on Equifax to put the consequence of their terrible system on the consumer. I have paperwork that says I am enrolled in their program, they should honor that. However, the company refuses to. I spoke to a supervisor XXXX ( Employee ID XXXX ) and he also was unwilling/unable to make this right. 
By the way, while I was on the phone with their customer service agents, I could hear in the background that others were having the same problems as I kept hearing different agents voices saying that while they had thought they had successfully signed up for XXXX, they hadn't and now they could only get the Lock & Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager, he said " the bounce fee if from your bank, not us, we can not credit you anything ''. I asked for their Rep # or ID, they said they do not give those out to any customer, I asked if I can record him on my phone saying that, he said if you record me I will hang up, I am not allowed to be on a recorded call ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Payday loan debt) with Main Street Personal Finance (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report 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 non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

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 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Fraud or scam

Complaint: I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Shopping for a loan or lease

Complaint: At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with DISCOVER BANK (OH).
Issue: Closing/Cancelling account

Complaint: This is my second complaint about my closed Discover card in the past XXXX months. 
Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. 
Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with Capital Management Services, LP (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/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 07-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This issue goes back to   XXXX    2016. My  credit card was compromised and I contacted  Syncrony B ank who is the acting agen t for Walmart Corp. Sinc e the initial problem they have re-issued my credit card 3 times and issued credits. I have fraudulent charges every month, have to call them, get credits and complain about their out dated system that does not allow consumers to be alerted of any charges that does not have the physical card present. Funny that  XXXX   XXXX  and  XXXX  have  21st ce ntury technology that does allow such notification. Further the charges re-occuring every month is for  XXXX  with the charges occuring in  New York  even though I live i n South Carolina and never been to New York. Since this mess has started and after reading   about numerous complaints against Syncrony I have quit using the card but they are so stupid that i can not stop all charges withou freezing my account completely but that stop me also from logging into see if I am getting further charges the will not alert me about or even pay my bill.

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 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i sent in this letter i got mailed from XXXX upon removing their tradeline error from my Experian credit report. This is the second time that i had to initiate a complaint about the non-performance of Experian. I call Experian about the innaccurate info reported on my report and they tell me to settle it with the creditors and then send them proof to get the innacurate items removed. I did just that for the removal of 5 inquiries posted in error, they recently denied the request. So here i am again, did my due diligence with XXXX and they have concluded to remove their tradeline. I am just here to speed the process up as i have the right to forward mail from creditors to bureaus for faster updates. Experian needs to do their job this time, no excuses.

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 07/30/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease

Complaint: My husband and I have been separated since XX/XX/XXXX. He is XXXX ( XXXX ) and goes through XXXX of running credit to see who qualifies him for a loan and when he gets qualified he acts like he won the lottery. He has been doing this since our separation. Now that his credit is maxed out and is no longer getting approved for loans he has gone to the extent as putting me on as the co-signer without me knowing. This happened two weeks ago XX/XX/XXXX with USAA. He ran an online application for a loan with USAA since he did n't qualify for the {$10000.00} loan he dishonestly put my social security number as a co signer. He got approved for the loan. USAA, very well known bank/insurance for military -- well they, never contacted me to inform or verify with me that there was a loan being processed under my name and I was the co applicant. I only got an email after the fact saying congratulations your loan has been finalized call us immediately if you did not apply. Well I have gotten nowhere with USAA. I placed a police report sent them everything possible to prove to them that I did not apply. I am trying to deal with this along with finding a full time job, take care of my child and get this marriage over and done with. I hope banks and credit companies understand that this is a serious issue. Just because one is married does n't mean one spouse has the right to run your credit without my knowledge, companies should VERIFY with applicants AND CO APPLICANTS. Apparently, he applied on line he e-signed everything and USAA never verified. Everytime I call USAA my account is locked for investigation " we can not open your account '' all the agents tell me I will get called 24-48 hours from today. This has been going on for two weeks now. I will never trust military banking for anything especially this one. It is used by many military and overseas as well and I am left to just wait ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, a collector by the name of XXXX placed an adverse account on my Equifax credit report that I do not recognize. Since this account does not belong to me, I would like it deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Payday loan debt) with BlueChip Financial (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016, Nationstar Mortgage called my husbands work, which is a public phone line that anyone can answer. It was an automated system, therefore when whomever answered the recording just went on to give out our personal information, such as name and the mortgage company calling and the reason for the call. My husband called me and asked if we had made our payment, I said yes, I sent it in the mail the previous week. I called Nationstar to see why they had not contacted my personal cell phone instead of calling my husbands job. They apologized and said it would not happen again. Thirty minutes later my husband called and said they had called again. I called the mortgage company again and they seemed unconcerned and the supervisor had a smart attitude about the situation. This was very embarrassing and harassing especially when we are not and have never been past due!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CT).
Issue: Taking out the loan or lease

Complaint: Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX    I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation.   XXXX    XX/XX/XXXX  I  sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.

Company response to consumer: Closed with explanation