milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a complaint regarding XXXX XXXX disputing a debt. They responded saying that they requested from the XXXX credit bureaus to remove the debt. 
After receiving the response from XXXX, I submitted a complaint regarding Equifax. I received a response from Equifax that listed the wrong Creditor name and account. 

PLEASE SEE TRANSCRIPT FROM EQUIFAX : ***Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed XXXX XXXX XXXX XXXX account number XXXX has been verified as reported with your Name and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the data furnisher for any additional information. Written confirmation has been mailed to you. *** AS YOU CAN CLEARLY SEE THEY HAVE LISTED THE WRONG CREDITOR ON THE COMMUNICATION ABOVE. WHICH PROVES ONCE AGAIN THIS IS NOT MY DEBT. I NEED THIS REMOVED FROM MY CREDIT! EQUIFAX IS DISGUSTING!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with AES/PHEAA (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A representative from American Education Services ( AES ) contacted me regarding terms of my student loan, During the conversation he asked if i wanted to have him set up auto pay. I said yes. He set up wrong amount by about 5 dollars a month. I wrongly trusted AES employee acted correctly. Unbeknownst to me though I was paying every month, on time, but not the full amount ; In turn they reported it every month to the Credit Bureaus as late continuing up to 180 days late every month! 
This went on for quite a while because their correspondence seemed like attempts or options for me to pay increased amount on principal. Eventually, when I checked my credit report I noticed many the derogatory charges. I contacted AES, explained the situation and corrected their mistake. I took ALL steps to reimburse them fairly. Currently I am paying more than required amount. However ... ... 
When I asked them to amend my credit report they said they do NOT do complimentary credit report changes. Period. I acted in good faith and remain in good standing with my loan terms. I do not believe they did. 
******This is affecting my ability to buy a house*******. What other recourse do I have? 
I am a XXXX and Military XXXX as well. This kind of company practice should not be put on us who have done everything we can to protect and serve our country and its citizens. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AK).
Issue: Rewards

Complaint: XXXX XXXX is signing up consumers for their Platinum card under false pretenses. I have now had the card two times. First in XXXX and now beginning in XXXX. The first time I signed up for the card I was offered a sign up bonus of XXXX points after spending a certain amount ( I believe {$3000.00} ). At the time I was denied the bonus because they said I signed up not using the right weblink and code. This was ridiculous since I did everything I was told. I tried the card again this XXXX because they are supposed to offer excellent benefits, however they defrauded me again saying I am not eligible for the bonus since I have had the card in the past. I understand they are dissuading consumers from attempting to open multiple cards to accumulate bonus points. However this doesnt apply to me. Each time I paid the $ XXXX yearly fee. Both times I was defrauded by XXXX XXXX. I contacted the company several times and they wont listen. XXXX XXXX even went as far to say that their records did n't go back long enough to verify whether I got the bonus in XXXX or not! They believe they are untouchable because the average consumer doesnt have the resources to file a lawsuit. Please help me with XXXX XXXX! d

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all XXXX credit agencies ( Experian, XXXX and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except Experian and XXXX. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from XXXX company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that Experian, XXXX and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from Experian and XXXX stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 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: Investigation took more than 30 days

Complaint: I, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Auto) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX. INQUIRY DATE : XXXX XXXX am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with Love, Beal & Nixon, P.C. (OK).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

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 09-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a trial period of loan modification HARP. My mortgage was sold. Mortgage company will not send a statement. I sent my payment to the address on time. They will not acknowledge my modification, and take my payment and wo n't apply to loan. they say I 'm 49 days overdue. It is absolutely impossible to get a human being on their telephone, you can go around in the same circle for hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Using a debit or ATM card

Complaint: I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with Pollack & Rosen, P.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Other type of mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, 2013, our home went into foreclosure while going through the process of loan modification. We were told not to make payments while going through this process because it would delay the process. Each time we would call, they would tell us to send another copy. After numerous paperwork sent and 10 months later, we received a letter from Flagstar 's Attorney stating that our home would be sold on the courthouse steps in XXXX, AR. XXXX. We owed {$200000.00} on our home. They sold our home for {$110000.00} but yet they would not work with us to keep it. Due to Flagstar 's actions, needless to say, our credit report has shown negative and derogatory information for 4 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Credit card protection / Debt protection

Complaint: I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with Whipple Law, P.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     I moved from   XXXX   to   XXXX      XXXX   XXXX   . They have no legal right to threaten me with a law suit based on  XXXX  's  six year St atute of limitation regardless of the type of debt. And  XXXX  has a statute o f four yea rs for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I filed a complaint against Midwest Recovery systems. They advised that they could not verify the debt and stated that they sent letters to all the credit bureaus on XX/XX/XXXX to remove the information. The company also advised that it would take 30 days from that day. Well today is XX/XX/XXXX. It has been more than 101 days and this information is still located on my XXXX   Credit Report. Can you please remove this inaccurate information. I have called several times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have spoken with experian and XXXX both and provided them with my bankruptcy shedules showing that XXXX was NEVER listed and was purposely omitted from my bankruptcy chapter XXXX. The status on the XXXX account should NOT state included in bankruptcy this account is also still currently OPEN it is NOT closed. It is just inactive because its not being used

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 11-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS

Company response to consumer: Closed with explanation