milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed XXXX XXXX XXXX several times through Equifax. The lastest being XXXX XXXX which the dispute was completed on XXXX XXXX. I have never did business with XXXX XXXX XXXX nor do I have a contract with this company. The last dispute only took Equifax only 6 days to complete. I think Equifax is being unfair to consumers and did not conduct a proper and timely investigation and with that they have violated Section 15 U.S.C 1681 of the FCRA ... .Where and what documents did Equifax use in their files to validate and investigate this account. Equifax has no proof or written contract in their files to hold the account to be true and therefore it should be deleted. As I am sure Equifax is aware, current Federal case law states, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... Promptly Delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know bank of America and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love bank of America and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!

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 04-06-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Taking out the loan or lease

Complaint: Hyundai Motor Finance has added a past due balance of {$8000.00} to my credit report. I had a XX/XX/XXXX Hyundai Genesis that I traded in for a XX/XX/XXXX Hyundai Genesis. When the dealership sold the car there was a balance of {$8000.00} that was due on the lease. My lease contact that I signed for my XXXX Genesis show that XXXX XXXX had carried over the balance to my new lease. I have tried to explain this to HMF, but with no avail. HMF still insist that I owe them {$8000.00}. I 've provided HMF with the check that XXXX XXXX sent to HMF. I like to have this outstanding balance removed from my credit report and ask the my credit reflect Paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  XXXX   XXXX   XXXX   XXXX , I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to  XXXX  again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.  XXXX  has completely ignored the mistake, even after sending them proof from the original creditor.

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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have been dealing with this student loan for about 6 years now, originally through  XXXX   XXXX , then through  XXXX  and now through Navient. I paid my student loan off to the school,  XXXX , which is no longer a school anymore. I made payments in  XXXX  and  XXXX  of almost {$2000.00} and then more payments through those 2 years of about {$450.00}. I only attended that school for half of the program and am being told that I owe the entire programs loan amount.   I have tried to get in contact with Navient about what payment history they have for me, and to explain how I owe the money they are claiming, but no one will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with American Capital Enterprises, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My wife and I were affected by the Equifax hack and our information was stolen. The company provides credit monitoring, but it requires users to waive their rights to a lawsuit. Furthermore, it only offers the service for one year. In addition, they will not answer their phones, or emails, in order for me to obtain a contact, so I can sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a debt collection agency Listed on my credit report named Assetcare LLC, collecting on the behalf of XXXX XXXX. I 'm disputing this debt because Assetcare LLC is n't license in the state of Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is hidden transaction and unauthorized soliciting by undue interference.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I set up automatic payments with the servicing company twice, but when the quarterly payments were supposed to  be made, the company put my account past due instead of making the automatic payments. I made a complaint about this and received an acknowledgment email of my complaint on MondayXX/XX/XXXXThis email stated that I would receive a response within 48 hours. I did not receive a response until XXXX XXXX on FridayXX/XX/XXXX. I received an email that said they could not call me but I could call customer service. Their customer service line is already closed and it 's Friday night. Their response was not accurate. It said that I could not set up automatic payments when my account is overdue, but I tried to set up automatic payments with them twice when my account was not overdue and they are not taking the automatic payments. I requested that they call me and they have not. My account should not be overdue because I set up automatic payments, and this is the second time in a row that the company has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: XXXX XXXX aka NMAC has reported a 30 day late payment to my credit report purportedly occurring XXXX 2015. This payment was not made late and I have attached supporting documentation evidencing the date payment was made.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Sears Citi Mastercard : Fraudulent charges : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$240.00} ( reference Number : XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$8.00} ( ref. # XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$13.00} I 've called Customer Service, transferred to Security. No action were taken about the above charges other than send me a new card. I 've seen a higher minimum payment and I continue to pay for these fraudulent charges I did not incurred.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: With College expenses and sick children and job loss, our original loan was with XXXX XXXX pic a payment. So we were able to request a Loan Modification.in XX/XX/XXXXOur payments were XXXX a month and the 2nd Mortgage, we did a loan modification with.. Wells Fargo , and they agreed to a loan Modification : of XXXX a month so things were manageable. When Wells Fargo took over, XXXX XXXX, pic a payment,, ( XX/XX/XXXX ) they started every few months increasing the loan modification amount ... XXXX here and there ... ..both on the 1st and second mortgage. Now ... .our 1st Mortgage is XXXX and the second is XXXX a month ... .and we can not afford paying this. They also sent letters saying because of assessment changes escrow, we also had to pay more money on some years..XXXX, and added that to our mortgage payment making it even more expensive ... .each month : XXXX. I called several times, and told them we had job loss, sick kids, college expenses, and asked them twice to do a loan modification and we filled out all of the paperwork for loan modification, and all the paperwork they sent to fill out which we did, was filled with forclusure options ... ..so upsetting .... with Wells Fargo and twice we were rejected. We continued to struggle, each month. 
I contacted them many times and faxed letters, asking to forgive the late fees, of XXXX per month if the payment is not made on the XXXX of each month. So far we have made payments every month but it usually is paid after the XXXX of the month, so we owe at least XXXX or more in late fees. They said, they will not refund. I told them the original loan modification amount is what we agreed to and that they are not supposed to increase our mortgage montly payment from XXXX to XXXX for the first and the 2nd, XXXX to XXXX .. ... they did anyway, knowing we could not afford it. I told them I talked with a Non Profit ... .loan modification company, they said, Wells Fargo legally should not be allowed to increase our Mortgage payment from the original XXXX on 1st mortg. and XXXX for 2nd Mortg. Please help.

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 04-11-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On or around XX/XX/XXXX I purchased blinds for my home from JCPenny for around {$900.00}. At the time it was advertised if you open a JCPenny credit card this purchase would be 12 months interest free. At the time of opening the credit card the online service was not working and the store sales person asked me to call XXXX XXXX ( the servicing credit card company ) in one week to explain the situation and have the purchase coded as a 1 year free interested purchase. 

On or around XXXX XXXX I contacted XXXX XXXX  and spoke to an agent that told me me purchase would be coded as an interest free purchase. I should continue to make the minimum balance payment but all interest charges would be reversed. My next statement would not be correct but the XXXX statement would reflect the correct rate. 

My XX/XX/XXXX statement arrived which did not have the correct interest rate but this was explained that it might take until the next statement date. 

My XX/XX/XXXX statement had an interest charge had been applied and the rate was still set at 26.99 % for my purchase not 0 %. I contacted XXXX XXXX and they said the previous agent had not corrected the transaction but this agent would. She again said to pay the minimum payment and it will be corrected. 

Today, I opened my XX/XX/XXXX statement and I am still being charged interest at 26.99 %. This is nearly 90 days after the purchase and still a fraudulent charges of interest on my account.

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