milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 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: I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: AES is incorrectly reporting XXXX student loan accounts as derogatory to XXXX and XXXX ( Claim Submitted with Government in XXXX XXXX for all XXXX ). I have attached credit reports from XXXX XXXX, XXXX and XXXX XXXX, XXXX. On XXXX XXXX, the XXXX accounts were included in Chapter XXXX Bankruptcy from XXXX XXXX. This reporting was correct, but I disputed it because the the reporting was scheduled to continue past XXXX XXXX, which was incorrect. On XXXX XXXX, the accounts were updated to read Claim Filed in Government in XXXX XXXX. This is grossly incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Westlake Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.

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 04/17/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Law Offices of Mitchell D. Bluhm & Associates (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.

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 monetary relief
Consumer complaint received 03-08-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (MO).
Issue: Problems when you are unable to pay

Complaint: I have a car loan with United Auto Credit Acct # XXXX. 
I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Shopping for a loan or lease

Complaint: Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Billing disputes

Complaint: Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have provided the attached documentation of identity theft to all XXXX Credit Bureaus regarding an identity theft and wrongful IRS Tax Lien being reported on my credit report. The IRS removed the claim, as have XXXX of the XXXX reporting agencies. TransUnion has said that I did not provide enough proof, even though it was sufficient for the other XXXX agencies. When I pressed a supervisor for what more information needed to be supplied the answer was 'I do n't know. ' This is unacceptable that a CRA can report obviously incorrect information on my credit report, and refuse to tell me what information I need to provide in order to have this fraudulent information removed. TransUnion in my opinion is making up their own rules, and is operating outside of the law with regards to credit reporting. I was a victim of identity theft, and TransUnion is continuing to victimize me by reporting false information after being provided sufficient evidence to support this. Additionally, they are causing me undue aggravation and duress by failing to comply with the law regarding removing false information from my credit report. I am requesting you take action against them, and let them know they are not above the law.

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 07/15/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: American Express One VIP card has stolen over XXXX of my money I have contacted the executive office of XXXX XXXX telephone, social media XXXX. I have called several times to complain XXXX was refunded back to me after 2and 12 months after complaining the XXXX and my XXXX XXXX payments of XXXX and XXXX still have not been recovered. The accounts from XXXX 2015 to now has had duplication in atm withdrawals and transaction that were changed and alter city trend XXXX was never a transaction and XXXX was never given to me at XXXX airport, refunds never made and I just want all XXXX in deposit return so I can find another bank with integrity. The foreign workers are stealing from the XXXX cards and trying to put you in fraud when ever you complain. XXXX on account is separated from the statements and transaction and there are about XXXX of transaction missing. I have pictures I submitted by email to inform the Executive Vp however, it is my belief she is covering for her foreign colleagues positions. I also submitted the letter that a supervisor sent me when I first filed a complaint about them in the month of XXXX over XXXX is taken from me. They are saying transaction never happened and in XXXX XXXX pay checks were deleted out of the system which would reflect of XXXX deposit being made in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making payments on my student loans from Navient for at least five years. The principal balance for one of my two loans with them was {$13000.00} - taken out when I was in college in XXXX. I began making payments toward this loan in XXXX, and at first was making full payments toward the principal. In XXXX, I switched to interest-only payments due to my financial situation. That lasted for two years. In 2014, I again began making full payments on the loan. In the three years that I have been making full payments, my principal balance has not decreased at all. According to Navient 's records, I still owe {$12000.00}.

Company response to consumer: Closed with explanation