milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Other debt) with Credit Bureau Services Association (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RGS Financial, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I enrolled for a payment plan with discover after they failed to inform me that my payment was returned by a bank account that was close. The automatic payment that discover set up was XXXX dollars and the payment was made on XX/XX/XXXX,  which was the due date. Discover failed to mention that this payment plan would not cover the full past due balance. On XX/XX/XXXX they reported a 30 day late payment. When I signed up for the payment plan they did not mention anywhere on the plan that the past due balance would not be cover and that I would have to make an additional payment. If i was aware of this I would have made the full payment on my own. I signed up for the automatic payment so I would not have to worry about being unware of a late payment again. 
I called discover explaining this to them and they said there was nothing they could do. I even said that I would make the missing portion of the automatic payment now and they stillsaid that there was nothing that could be done about the inaccurate reporting. I am reporting in hopes that you can remove the 30 days late as I was clearly unaware that the automatic payment would not cover the full past due balance. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX NY XXXX social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, XXXX and Expirian, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX General Counsels office Center for Card Member and Merchant Litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX- Mail Code XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Dear Sirs, I have a bank issue with a USAA Federal Savings Bank Issued XXXX XXXX . 

Two years ago, a XXXX XXXX me. In XX/XX/XXXX, I consulted with XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. We made an XXXX plan and he did not do any of the XXXX we agreed upon. This XXXX took place on XX/XX/XXXX. 

I turned in this information to USAA Federal Savings Bank and they credited me back for the XXXX. In agreement that the XXXX  committed fraud and did not provide the services rendered. 

Then, months after the dispute was closed they put XXXX back on my card saying that they were charging for the XXXX room, even though the XXXX never took place. 

Not only USAA ( XXXX as XXXX XXXX ) illegally put this charge back in XX/XX/XXXX to accrue interest, but they refused to look at any of the doctors letters I sent and refused to re-assert under the law. 

I was asked to send a few doctors letters proving the XXXX didnt take place, which I did. Then, USAA told me they had to be on letterhead. 

But, when I called XXXX XXXX, they told me they do not require this to be on letterhead, which shows bad faith of USAA dba as XXXX XXXX. 

Under your credit card agreement, it states, a billing dispute for services not rendered carries with it only proof asked for. The XXXX did not take place. The XXXX has a fraud on his record in our courts. He is lying to his patients and not able to perform the XXXX. I reported this as a billing error and as services not rendered in the appropriate time frame. 

XXXX -- -phone ID at XXXX XXXX -- XXXX told me that in disputes you do not require letters on Letterhead. Therefore USAA is acting in bad faith using the name of XXXX XXXX. 

Can you please intervene to USAA who is using your name In bad faith? 

And please refund my XXXX for a XXXX that did not take place. 

Each time I contact USAA Federal Savings Bank and their attorney XXXX XXXX, they ignore me. I have kept a paper trail and asked for Re-assert repeatedly in Certified Letters. 

I contacted XXXX XXXX at XXXXXXXXXXXX. She ignored me under USAA XXXX XXXX and Under the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ). 

Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: With Eqifax only i have a problem receiving my free annual credit report. 
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DFC GLOBAL CORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX   XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is attempting to close another complaint by sending out a letter asking for additional information. In that letter they provide a number XXXX -- XXXX which is an automated system that places consumer in a dead-end loop in which the consumer can not talk to anyone directly about issues. I attempted XXXX times to enter my confirmation number, social security number and street address only to be told by an automated system that the information was incorrect. I then attempted to open up a new investigation only to go through the same process. They are also requesting that I have to manually send information via the mail in order to provide of identity so that they may investigate further. That is a ludicrous excuse to deny access and also respond to a formal complaint first submitted to the CFPB several weeks back. The credit bureau is attempting to place an extra burden upon consumer in order for their company to stall and not respond. I am unable to provide an attachment but have the official letter sent by Equifax on XXXX/XXXX/15 in which they attempt to defer response to the previous complaint and require me ( the consumer ) to provide additional information. The reference number on the letter is XXXX which seems to be associated with the previous complaint but can not be confirm as there is no way to contact Equifax and talk to an actual person. 
Kind Regards, XXXX XXXXXXXXXXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have resolve d a de  bt in  full   XXXX   XXXX   it was filed in the court of my county   XXXX   XXXX   XXXX   however they will not remove this from my  credit report. Over the last 30 days I explained to them that I care for   XXXX   XXXX   XXXX   and I was trying to purc hase a home for them and this is affecting me from getting a loan from the bank. I foun  d out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything.
Cavalry SPV I LLC have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward   him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CT).
Issue: Credit decision / Underwriting

Complaint: I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation.

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 11-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: ON XX/XX/XXXX Lexing Law firm notified me that on XX/XX/XXXX Wells Fargo had reported a 30 day late payment to all XXXX credit bureaus, and on XX/XX/XXXX there was a hard inquiry made from Wells Fargo without my knowledge. I will attach all documents that explain my complaint. I have n't had an account with Wells Fargo since XXXX XX/XX/XXXX that I closed, and was never late paying. I closed the account because of the small line of credit they offered. 
Note : just last month Wells Fargo had at to pay {$180.00} XXXX dollars in fines in lieu of a scandal of opening fake accounts. Just in PA alone there was XXXX fake accounts opened. I hope im not a victim of this scandal. 
XXXX to this above mentioned news is : The Morning Call reported by 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