milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: HI, Discover It Credit card closed my account on XX/XX/XXXX without any convincing reason and today XX/XX/XXXX I checked my XXXX credit report and they hit my score negativly with 77 point AND I found 2 issues that is broke my back, ( FIRST ISSUE ) that they reported my account as its closed account while they are the one who did it plus it is still under investigation upon of my request with them for why they closed it. ( SECOND ISSUE ) that they made HARD INQUIRY ON XX/XX/XXXX and i do not know why?? the account already closed on XX/XX/XXXX and I never call in this date for any request like credit line increase or any kind of reasons to make a hard inquiry on my credit report because I usually avoid making hard inquiry. So i want to Dispute that please, I been working hard on my credit to keep always excellent. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: Erroneous billing for interest charges for card with no activity after receiving confirmation of final payment.

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 05/13/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place

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 01/21/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: APR or interest rate

Complaint: to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am trying to pay this debt howe ver, Citi/ATT Universal Card is fals ely charging me. I closed the account and pay more than the minimum payment. Call after call to Customer Service is useless ; written communications are not helpful ; I need help in resolving this matter. I made a payment of {$500.00}  XXXX     2017, it  did not clear then and to date it has not cleared my bank ;  XXXX   XXXX ,  2017, I called Citi,  was told payment was not received ;  XXXX   XXXX ,  2017, I stopp ed payment on the check and made a replacement of that check by phon e to Citi in the  amount of {$500.00} ;  XXXX     2017 statem ent shows a charge of {$500.00} ; I called customer service disputing this charge, they are useless and rude ; many attempts to resolve this monthly {$500.00} charge was resolved, so I thought. Please see attachments hereto. I am being charged {$500.00} each mont h by Citi ; I have called and written Citi without succe ss. Maybe you can assist me in resolving this. Thanks

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 11-02-2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In complaint XXXX, Equifax wrote that they verified the date the XXXX credit card accounts ending in XXXX and XXXX were opened. I have received official correspondence from XXXX XXXX executive offices stating otherwise. Equifax has repeatedly indicated they verified the XXXX credit card accounts, WHICH THEY HAVE NOT. See the attached letter from XXXX. These inaccurately XXXX credit accounts were not investigated properly.. I have asked for full proof of Equifax 's investigations in the past and the letter from XXXX XXXX XXXX offices confirms they did not verify the accounts. the account open dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding LLC listed inaccurate information on XXXX credit records stating an account was opened XX/XX/2013 which I did not and there is no record. Any account I would have opened is past statutes. I have requested in writing documentation of debt which I did not receive. In addition, it listed the debt on XXXX under the name XXXX XXXX XXXX using Midland Funding physical address in XXXX XXXX, which is hardly the banks location. On XXXX they list themselves as a Factoring Company. I believe these are unfair practices under the FCRA and FDCPA. Is Midland Funding a bank, a collection agency or a factoring company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Enova International, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with Alliance Data Card Services (OH).
Issue: Billing disputes

Complaint: i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Source Receivables Management LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on  XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VT).
Issue: Loan servicing, payments, escrow account

Complaint: We 've had our own flood insurance policy, purchased through XXXX Flood Insurance for our property at XXXX XXXX XXXX XXXX XXXX, Vermont XXXX since XX/XX/XXXX through XX/XX/XXXX without interruption. 

Despite receiving proof of this flood insurance policy for the term of XX/XX/XXXX through XX/XX/XXXX, Ocwen Loan Servicing placed a second flood insurance policy on the property through a company called " XXXX XXXX '' on XX/XX/XXXX, which expired on XX/XX/XXXX. We were not notified that the lender place policy had even existed until XX/XX/XXXX, sixteen months after the fact. 

Ocwen is attempting to charge us {$1900.00} for their illicitly placed policy. Ocwen has attempted to collect this debt by increasing our monthly mortgage payment from XXXX monthly to {$580.00} monthly. We paid the amount of {$580.00} for XX/XX/XXXX under the mistaken impression that the issue would be resolved and that the additional {$380.00} above our regular monthly payment would be refunded. 

Attached are insurance declarations pages for our XXXX Flood insurance policy, for the terms of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. We have also attached the declarations page for the lender placed insurance policy in question from XXXX XXXXWe would like the lender placed policy removed from our account, all charges dismissed, the additional {$380.00} either credited to the account or refunded, and for our monthly payment to be returned to {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.

Company response to consumer: Closed with explanation