milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  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 12/21/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!

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

Complaint: *I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested validation and nothing received. Unknown debt and account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Atlantic Credit & Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.

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 08/15/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, 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 06/30/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (DE).
Issue: Other transaction issues

Complaint: I SENT MONEY TO XXXX SUCCESSFULLY FOR THE PAST EIGHT MONTHS BUT WAS STOPPED FOR CONFLICTING REASONS GIVEN BY PHONE. I HAD TO SPEAK WITH OVER XXXX DIFFERENT PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with TRIAD FINANCIAL SERVICES, INC. (NY).
Issue: Closing on a mortgage

Complaint: a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.

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 12/29/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with First National Collection Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Utility company is stated that there is an outstanding amount on an account from 2014 that I had at a previous address. This account was paid in full when the account was closed due to no longer needing service. There was credit on the account for a security deposit that was paid originally, leaving a small portion that was paid over the phone at time of disconnect. This was for the address XXXX XXXX XXXX, XXXX, WV XXXX. I was renting the home at that time for a short period before relocating to XXXX for work. When I received a statement in the mail for XXXX XXXX I immediately contacted them to inquire to this outstanding amount. The statement was for service for a period of time that we did not vacate the home. This was the reason for the immediate concern and spoke with customer service which stated that they see the disconnect and dates that service was disconnected but for some reason service was not disconnected but transferred to another person. I explained that I was not responsible for this amount and they told me that it would be taken care of. I never received any further information from them and assumed it was taken care of. Now this information is on my credit report with a collection agency for the power company. I need this removed civily or I will be forced to file suit against the for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Balance transfer

Complaint: I received convenience checks from Barclay Card US ( XXXX ) to complete a deposit into my checking account. At the time, the card the check was tied to had a {$0.00} balance and a {$7100.00} credit limit. Barclay Card returned the check and when I called them they said it was because they were having system issues. Then the representative changed the story and said it was because I wrote the check out to cash ( I did n't ). The check was not written out to cash, it was written to myself to deposit into my checking account to pay bills. I am now suffering a tremendous amount of overdraft fees due to their fake checks. 

Additionally, I receive these checks once a week. This means that once a week I have to shred these. This is predatory and should be stopped.

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 06/22/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from XXXX XXXX XXXX on XXXX XXXX,2015 and the representative stated I had an account with Old Navy and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. XXXX XXXX XXXX called my phone back to back, but I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with CITIBANK, N.A. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans are serviced by Navient. In XXXX, I spoke to a Navient representative over the phone and gave him my bank account number and routing number to make a payment for two months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than 100 days delinquent. I was then transferred to a Navient supervisor who set up auto pay for me and opined that perhaps the Navient representative who took my information down did so incorrectly, and that my bank rejected the payment. This supervisor updated my records and brought my account current. I assumed all was well until I received a credit alert that Navient had reported eight accounts 90 days delinquent, crushing my credit score. 
Navient tells me that it sent me two letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from Navient that I did not receive, but it is not uncommon for their representatives ( or their automatic dialing service ) to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
Navient informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but Navient will not provide it. All Navient needs to do to make this right is remove the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: The XXXX came into the office on XXXX/XXXX/15 we called Santander the mortgage company talked to XXXX XXXX told her what was going on and they needed and wanted to keep the family home looking at the file I do see it works She email me the package to have filled out and sent back we started when they were here and over the next few days got the complete package in on XXXX/XXXX/15 she said the file is already assigned to XXXX XXXX on XXXX/XXXX/15 they got a sale date of XXXX/XXXX/15 posted on the house and on XXXX/XXXX/15 XXXX XXXX called and said there is now a sale date a not enough time to look at this file so the Investor said let it go to sale. 
I said that is 24 DAYS ( well sir we do n't know or ca n't control these investors. ) THE INVESTOR IS ALSO SANTANDER BANK N.A. on this file I did leave 3 messages for her supervisor XXXX XXXX she did call me back and leave message for me the 1st time I missed it but with no info or return again. 
This guy works XXXX here in XXXX 20 years XXXX kids home value is only XXXX what they owe rate 6.625 % 20 years been paying on this loan for 10 years unable to refinance becouse the value is only XXXX to XXXX today we have done the right things here just fallen behind and needs help been doing XXXX XXXX XXXX XXXX for 3 years to pay credit off did not file BK but could and will it come to that to save his home but has worked so hard not to do BK THEY JUST NEED HELP SAVING THERE HOME. 
PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: I Was cheated by your vice president branch manager wells fargo XXXX XXXX IDXXXX when I opened my account I was promised that I will be able to make transfer onlain. He promised me everything that I asked. He didnot tell me that I need SSN and US phone number. I told him that I live in XXXX and was not going To US again. I was cheated. I am not able make wire transfer or domestic transfer onlain. When I call them, they always promised me that call me back. But every time they cheated me. 
I am a XXXX and permanently live in XXXX and I am not able to vizit a bracnh. I submitted complain to Office of the Comptroller of the Currency My Confirmation Reference Number is : XXXX The OCC is an independent bureau of the U.S. Department of the Treasury.

I submitted complain to Consumer Financial Protection Bureau ( CFPB ), Confirmation Number XXXX. Ps I had already had problem with your bank and it was solved after complain and your bank even sent me a XXXX as gift.

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 10-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Managing, opening, or closing account

Complaint: I have not been able to use my RUSH card for emergency situations sch as traveling to see my kids and also pay bills. I think it is flat wrong to be hung up on by service reps, and lied to at every turn. I need to get my money out of this system ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Chase Receivables has been robocalling me several times a week with a message for XXXX XXXX. I am not this person, nor do I know anyone with that name. 

I called Chase back using the XXXX number given, explaining that I have owned my phone number for the past fifteen years and it does not belong to the person they are trying to contact. The service representative claimed that my number was not in their database. Since then, I have received at least two more calls for XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation