milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equfax security breach of my credit and millions of others. I am trying to place a freeze on my credit and you can not get through to these idiots. I have called the newly established 800 number and finally got though. He gave me the number of XXXX to call to place a freeze. 

I called the number and finally got through to an automated answering service, got through the menu and then when it transferred me to a live operator, I got a busy signal and no way out but to hang up and start over which I did. This time when it transferred me to a live person, I then got the message that it was not a working number. It 's their menu and their system and they are transferring me to a non working number? 

So I have now made three attempts to call the original XXXX number and ca n't get through. The phone gets answered. Then the music plays while I 'm on hold. Then the music stops and the line is dead. I hang up and try again. And again, and again, and again and you get the picture! 

I am livid! I go out of my way to protect my identity and my credit and these bozos allow my information to be stolen and now I can not get through to them to freeze my credit. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: i was an american express card holder in good standing, had pay over time feature, in XXXX i charged a large bill, soon after theycancelled my charge over time feature, without notice and started charging me late fees. despite all my efforts to talk to them about, this unfair action they went ahead and cancelled my account witch had a lot of reward points, by saying my credit was bad,, which was not true as i had been with them for XXXX years, and had charged and paid almost XXXX dollars in 2015. all my efforts to reinstate my account have failed, i had told american express, that i had no problem in paying interest on account and will pay off my balance with in 2-3 months. This has been very unfair, All i want was to re-instate my account, charge me interest and i will payoff the balance, but they have refused to reinstate my account, confiscating lot of reward points that i had accumulated, over time, please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your time.

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 05-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Berlin-Wheeler, Inc. (Kansas) (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( 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 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, I had my wallet stolen with several credit cards. I reported them all stolen, and submitted fraud claims to the issuers. My Macys card had XXXX fraudulent transaction on it. I 've called Macys Fraud Department several times each month since then, and they 've assured me the charge would be removed within the next billing cycle. However, no progress has apparently been made. When I called them today ( after ALL deadlines they 'd given me were past ), they told me they 'd referred the account out to another agency and would n't be able to resolve it for 90 more days.

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 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My brother received a phone call from a man named XXXX XXXX who stated that he worked for the Law Offices of Scott Carruthers of XXXX, Ca and during the phone call he had disclosed information to my brother about a pending court date which I was informed by my legal resource that he is not allowed to do so by law. He has been calling other people including the aunt of my ex girlfriend whom I 've never even met. How he got that information I have no clue. I have also had some local courier chasing after me trying to serve me with a wage garnishment notice which I was informed is also not legal. Also, This courier had my social security number and repeated it over the phone and in the background it sounded as if he were in a populated and non discrete area where others may have heard him repeat my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.

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 02-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Ever since FedLoans took over my student loans in XXXX. I have had many issues and none have been resolve with Fedloans company. I have called many times to try to resolve the issues which includes : payment plan based on the 3 x I have summited income driven based ( IDB ) application so I can afford to pay my loans based on my low income status, I have along with summiting the IDB application 3 times I provided proof of my taxes, paystubs and copy of prior lending XXXX letter of approval and amount per the request of Fedloans varies reps. They also in both XXXX and XXXX put my account saying my accounts were not paid up to date. I have proof from both bank statements and recipt showing I had been paying my loans auto deduct from my XXXX XXXX XXXX checking account, and when loan was transfer from XXXX to Fedlaons I had made one payment for the amount of {$24.00} by visa debit on XXXX/XXXX/XXXX to Fedloans to put my account updated, then they said about two weeks later that they never recv. the payment when on my bank account statement clearly shows they remove the money from my checking account, the rep from Fedloans then asked me to make another payment for the same amount, on XXXX/XXXX/XXXX, I advise her I had made a payment prior, so I had to pay once again same amount, when I called them a week later to advise them now I show twice on bank statement the amount of {$24.00} taken out of my account they refused to refund me the over payment, and I had asked that any auto pay or direct withdrawn be remove so that Fedloan wont be able to take out any money from my account, once again they failed to do so because without my permission again they are taking out of my bank account another {$24.00} on XXXX/XXXX/XXXX. I have emailed them to correct this issue, I have called many times but nothing has been done. I have asked for Fedloans to place all my account they have together into XXXX payment plan, but it has yet to be done, I have asked for them to change my payments based on my XXXX income based application nothing has been done, I even recv. a letter stating my IDB application was approved from Fedloans as well but no payment on my account has been changed, I am very concerning that this company has not since day one of taking over my student loans accounts resolve any issues nor have they made any effect in trying to help me. I am afraid they are going to ruin my credit and I have doing so well paying my student loans prior to Fedloans taking over in XXXX. Please help me with these many concerns and issues I have with Fedloans.gov, before the matters gets worse for me. thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was dismayed after I ordered my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 09/26/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have spoken with Navy Federal Credit Union on multiple occasions.  NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's  XXXX   XXXX  service, they finally corrected that. However, they refuse to lower the minimum due. This is against  SCRA as well as, ironically, the information NFCU has on their 'Military Pay  ' App.      SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing.      Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Unknown account CHASE CARD Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Consumer Loan (Title loan) with WELLS FARGO & COMPANY (WI).
Issue: Charged fees or interest I didn't expect

Complaint: I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. OnXX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. Look I am still in college and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls and I 've returned calls multiple times with no response. I do work and attend school and they make no attempt to return my calls. My most recent filing was closed as no further information provided. I want to know that if I allow someone to use me as co signer and the loan is done electronically and I do n't have an opportuntity to correct wrong information provided by a third party it is not my fault. How does a lending institution make a loan, advise consumer you are a co applicant and the very first document sent to advise is RETURNED. That should have been a RED FLAG to either put the funds on hold or figure out a way to contact me with any numbers/address listed on all major credit reports. I need this issue resolved and USAA is unreasonable in attempting to resolve the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation