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. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: My husband who is now ill, co signed a loan thru Wells Fargo Bank and apparently, loan companies have gotten a hold of this information and are calling us non stop. Our son, the former student has been late paying some payments but has always paid plus hefty interest bank charges. He is now making timely payments.

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 12-12-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been reaching out to XXXX over the past year about a {$3300.00} debt they claim that I owe. I have responding to them via mail as well as phone in regard to the about of phone calls I have received as well. 

They debt is currently with an in house collection they use named XXXX XXXX XXXX and they have been contacting me via phone since XX/XX/17 prior to then it was XXXX calling ... .. 

Upon calling I am always informed that this debt will continuously report on my credit file and that handling it would clear up any negatives. The inital debt was {$2500.00} ; however, it is now, {$3300.00} and they have stated it will continue to increase the longer I go without paying them. 

I have exhausted all options and everytime I request verification or validation I am sent a phone bill and they always state they will no longer communicate with me until I am willing to make payment.. 

This negative account is really affecting my credit rating and ability to obtain employment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and 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 04/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status, and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016, the fraud specialist wanted to verify some balance transfers that I requested. We were able to verify that no problem. 

However, that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX, we were able to do that without a problem. Unfortunately, the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead, the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one, and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that, and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name, my address, and the checking account number and was signed by a bank officer ). That was also not sufficient to remove the restriction. 

Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover, they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact, I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not, and there is now a large credit balance on the account. I have never had a payment returned, or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection, which is a complete lie. Mind you, the payment in question was made about 3 weeks ago. The payment has not been returned and Capital One refuses to release the account restriction or tell me what exactly they need to do so. This behavior should be illegal ; as it is unethical for the company to treat me like a criminal despite having no returned payments or late payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never been to California. Someone has used my name and information in CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted TranUnion on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX/XXXX XXXX/XXXX/XXXX 2 ) XXXX XXXX 3 ) XXXX/XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by TransUnion and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN :  XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX are showing an outstanding balance on my credit report that I do not owe for Bank of America. I have reached out to Bank of America regarding this account and they indicated that the account was paid off X/XX/2014. I contacted Bank of America in my financial counselors ' office and she too heard them confirm my account status.

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 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?

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 EQUIFAX, INC. (TX).
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 contacted Equifax several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, On XX/XX/XXXX, my wife and I were told by our current service provider that our mortgage payment would not be due until XX/XX/XXXX. I was told this by two different representatives on two separate days. I was told this by two different representatives two separate days At the time the payment looked to be around $ XXXX/month, which was not correct. I 've recorded this conversation from XX/XX/XXXX and attached it to this email. 

Also, we have a tax exemption from XXXX county that should lower our monthly payment when applied. 

We were then told that our payment was due on XX/XX/XXXX and that they would not honor what was told to us. On XX/XX/XXXX they sent me a letter apologizing for the misinformation, but claimed that they can only honor the modification starting date. In the message you will hear the representative tell me we will be up to date on XX/XX/XXXX. Also, this was not the only rep who told us this. However, we recorded this later conversation on XX/XX/XXXX as proof. 

Im just discovering that I cant attach the audio to this email. Please provide an email address for me to attach the audio proof. Thank you! 

Rep : XXXX Ext : XXXX Please let me know if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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 12/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus. 

Despite writing and contacting this company asking proof of this debt, they have never provided such proof. 

XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me. 

XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information. 

As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached. 

Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report. 

I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item. 

I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.

Company response to consumer: Closed with explanation