milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, XXXX  and Equifax placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, Equifax and XXXX Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX XXXX # XXXX and XXXX 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Certified Bureau of the South, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Apartment complex sent {$730.00} to debt collection against me. XXXX had denied apartment managers claim and I was cleared upon move out almost 2 years ago. XXXX decided to still illegally submit debt and not notify me. I received no notice. I found out about this debt yesterday XXXX XXXX 2015 when applying for a new apartment out of state. So I was never given the option to dispute this which is not legal especially with the way it was reported. I would like to take steps to dispute it but also need to be able to get out of staying in a hotel. I need to know if I pay it to clear my credit if I can still dispute it immediately after

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Mortgage) with Seterus, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After going through a long modification process with BofA, I finally got my loan modified and began making regular payments again last fall. In XXXX, I received notice that my loan would be transferred to SETERUS, INC. effective XXXX/XXXX/15. Having not received a 'welcome pkg ', I called Seterus to learn my new acct # so I could put it into my bank payment system and I made my XXXX & XXXX payments on time. Made my XXXX payment on time but did not get a statement until XXXX XXXX which said I was late and late charges were applied. That is when I checked the # I put into my bank system vs the # that was in the welcome pkg & statements : they were not the same -- -not even close enough to have been a typo on my part. I called Seterus and actually got a nice female rep who tried to help me. She could n't find any record of my payment until I gave her the # that the rep gave me back in XXXX. Then she found my payment but said it had been pulled out of the erroneous account but she did n't know where it went. She said she would do some further checking and would submit a reverse the late fee charge. Made XXXX payment on time with correct # in system but when I got my statement, it still showed me a month behind. I faxed in a detailed letter explaining the problem, the error & listing of all my transactions. On XXXX I got another late notice and charge. I called again and a nice male rep helped me. He found my letter in the computer files but it was as if no one had even read it. He told me talking to a supervisor would n't help but he looked over my letter and said he would escalate the issue to get it resolved. He asked me to submit a copy of my bank statement for XXXX showing the payment was made which I immediately did that day. XXXX payment made on time but again statement showed month behind and on XXXX received another late notice and charge. Two months gone by and issue has not been solved. Faxed another letter today to Seterus and filed complaints with XXXX of XXXX, XXXX, XXXX, the XXXX Attorney General Office and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
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: XXXX   -   XXXX   XXXX   XXXX   - charged my American Express credit card in error on   XXXX   XXXX  , 2017, at   XXXX   XXXX    XXXX   XXXX  . They immediately acknowledged their error and promised to reverse the charge. However, when I returned from travel in  XXXX , in early  XXXX  of this year, the erroneous charge appeared on my American Express statement. I promptly disputed the charge, opening a case with AMEX, and also did the same with  XXXX .  XXXX  responded promptly and courteously, investigating it and advising that they had contacted AMEX and authorized the credit card company to charge back   XXXX   for the amount of {$490.00} ;  XXXX  advised me that it had accepted the AMEX chargeback on   XXXX   XXXX   2017 ; they provided reference numbers for that exchange with AMEX. However, AMEX not only failed to clear the disputed charge from my statement, they actually closed out their original dispute investigation on the matter ( #   XXXX   ), and sent me a letter dated XX/XX/XXXX  stating that they were reinstating the {$490.00}. claim to my account. I immediately called AMEX, and they re-opened the dispute with a new reference number,  XXXX , and asked me to re-submit my information by mail. This was done on   XXXX   XXXX  , 2017, with copies of all relevant documents, including the emails from  XXXX  Customer Care that confirmed the AMEX chargeback against them. I also uploaded all relevant documents to the AMEX site as instructed by them, at americanexpress.com/docupload.
To date, I have received no acknowledgement from AMEX about the fact that they have been made whole by  XXXX  and that therefore no charge is outstanding. Meanwhile,  XXXX  has been prompt to respond to my follow-up questions ; their Customer Care person   XXXX   XXXX   had made every effort to provide me the reference data regarding their resolution of the charge.   XXXX   ' case number for this matter is  XXXX . Meanwhile, I continue to be harassed by AMEX statements reflecting the {$490.00}. outstanding charge. Please assist me to have the credit card company promptly resolve this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Debt collection (Medical debt) with I.C. System, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. 

Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. 

Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. 

On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. 

IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.

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 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Bankruptcy was discharged on XXXX/XXXX/2009. Under the Fair Credit Reporting Act and the California Bankruptcy Laws, a credit reporting agency may no longer report a balance owing on my credit report for all accounts that were included in the bankruptcy. The credit bureaus continue to report a balance on the XXXX XXXX XXXX XXXX account. The balance must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 03/27/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Opened XX/XX/2014 ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original Creditor Name CAPITAL ONE BANK USA NA

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls and voicemails everyday calling family members as well have all records saved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.

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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a credit with Chase Bank twice once on XX/XX/2017 and XX/XX/2017. The bank is stating that my credit report may reflect a bankruptcy for the reason why the application is being denied. I called Chase Bank the first time back in XXXX asking for a reason from the representative and was told that she did not see a bankruptcy on my current credit file and she did not understand why I was been denied. I asked the representative if there was a department that could review my application for an answer and was told she was the department to correct the issue and the highest level to go. I think the bank is redlining certain customers in certain zip codes. I previously live in other zip codes and have credit cards from may banks.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I have had XXXX overdraft charges. This is excessive. The accounting system at Compass Bank is terrible. News and media reports have this well documented. Compass Bank settles excessive overdraft class action for {$11.00} XXXX XXXX Complaints with excessive overdraft fees!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Billing disputes

Complaint: I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Bank of America to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Bank of America 's request for additional information. I did not receive Bank of America 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Bank of America and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been harrassed non stop by phone, text and emails from XXXX XXXX company. They have violated many laws by contacting my ex boyfriend from a payment he made in 2016 we have since broken u and he was never authorized on my account only for a one time payment in 2016. The car company called him today and said that they were calling him in regards to my car accident and if he had more information they thenproceeded to lie to me and say that he is listed on my insurance policy which he has never been. They have continuously harrassed me regardin payment on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was sold to Specialized Loan Servicing from XXXX XXXX in XXXX, XXXX. Received letter stating SLS is the new servicer in XXXX, XXXX. Never heard anything else until a voicemail message left on home phone on XXXX XXXX, XXXX stated we were delinquent. XXXX payment was received by XXXX on XXXX XXXX. 
I attempted to call SLS and set up automatic payment for XXXX, and SLS informed me that I would have to pay by check and set up for next month. Just received statement for XXXX/XXXX/XXXX stating that we are in arrears again for XXXX and XXXX payments. Sent in check for total amount, and today voicemail on home phone claiming we are in " serious delinquency ''. I still do n't know whether their system has taken our automatic payment, and if the payment is received.

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