milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (LA).
Issue: Problem with customer service

Complaint: On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collection agency is adding a additional 25 % in fees to balance owed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of Identity Theft and was reported back in  XXXX   XXXX  I have been in the  XXXX  since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft,  they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC,  XXXX  Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE   XXXX   XXXX    XXXX   XXXX , PA  XXXX  Phone number : (  XXXX  )  XXXX , thats the collections agency and the original debt was towards a college, called  XXXX   XXXX . They said that the account was opened on  XXXX   XXXX ,  XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of  XXXX  kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. ().
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  XXXX , I wrote a letter to  Smith Rouchon  requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in  XXXX  and advised them to call my employer  Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and   ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this  is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a payment via money order to XXXX XXXX & they claim I never made a payment. Not only that but this debt is from XX/XX/XXXX. XXXX XXXX has now decided to send this debt to a credit collection company as a XX/XX/XXXX debt on top of claiming that I never paid them. I have had issues with them in the past including a {$600.00} bill from an old residence that I requested have it 's service terminated. They were unable to get in to suspend service so they charged me for three months service without informing me they were unable to get in the residence. When I asked why they did n't inform me that they were unable to suspend service at the old residence a representative responded with " that 's not our responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Clark County Collection Service (NV).
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 received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with.     This collection agency has stated that I owe them {$2400.00} and is continuing to ruin my credit file.     They have sent paperwork for a loan that claims I took out a loan for {$1800.00}. This is n't even the same amount they are telling me to pay them.     I have taken out previous loans with the original creditor and paid them all off on time.   I believe they have pulled something that appears to be a signature of mine from past accounts.     I do not know who " Clark County Collection '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money.     They claim to have sent me a letter in  2013  that I NEVER received or I would have fought this back then!     This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Application processing delay

Complaint: I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.

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 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (I do not know) with A.R.C. Accounts Recovery (U.S.A.) Corporation LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter from this company proposing a settlement amount for a debt they allege that I owe. This is the first and only letter I have received from them. I am disputing the debt. I believe this company has violated the terms of the Fair Debt Collection Practices Act because 1 ) They failed to advise me of my right to request validation of the the debt within 30 days ; 2 ) They failed to advise me of my right to dispute the debt within 30 days ; and 3 ) Did not provide validation of the debt within 5 days of their original letter. I have responded with a letter disputing the debt and requesting validation and a request that any future communication be in written form.

Company response to consumer: Untimely response
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

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 06/26/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The debt owed is a private student load from XXXX XXXX in 2004. The debt is over 12 years old. According to the statue of limitations they ca n't do what they are doing to collect debt that is over 4 -7 years old  depending on the state and in Florida its 6 years and after that the creditor can not pursue you in any way or threaten you to collect debt over 6 years old for a  private student load. These people have been calling me for the past few years and my friends. I do n't even know how they get the information to contact them due to the fact that I have no phone or anything in my name. They send letters to my friends addresses looking for me and that 's illegal due to the statue of limitations. I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Wells Fargo Bank will not allow us to redeem points earned on our Wells Fargo VISA card without first opening an on-line checking 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 explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with JH Portfolio Debt Equities, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit report.

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 11/26/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I went into Dicks Sporting goods to make a purchase. The lady at counter convinced me to take out a credit card with the promise of a 25 % refund either mailed to me or taken off my first bill. I did not want a card, but the deal was too good to pass up. 

After taking out the card I never received the 25 % refund, so I had to jump through tons of hoops for absolutely no benefit. It turns out the lady at Dick 's Sporting goods entered the information into the system incorrectly. 

I spent over XXXX hours with Synchrony bank and the people at Rewards of XXXX XXXX. None of the technicians could help me and it was over a half an hour wait for a XXXX. A XXXX said she would fix the problem, but it appears the problem was never fixed. 

I am going to pay the full price, no discount included, and close out the card. 

I made several calls on XXXX around XXXX to XXXX XXXX ). I also called several times before that.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As you know, Equifax credit reporting agency was hacked over a month ago and failed to notify me in a timely manner that my personal information had been stolen. 

I am now advised that I need to freeze my credit report at a fee of {$10.00} per reporting agency or subscribe to a credit monitoring service at $ XXXX year in order to protect my information from being used fraudulently. 

This is racketeering straight up. I am at no fault in this matter, and yet I am being asked to pay for financial protection services to the very same industry that created issue I know need protection from. 

I am unable to access Equifax to discuss the matter either on their web site or by phone. 

If ever there was a need for federal intervention to protect the rights of consumers, this is it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Calls XXXX Sunday morning for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a principal payment only check of {$5000.00} to Bank of America on XXXX/XXXX/2010. 
The " Principal Payment Only '' was written on the check. When I went to refinance last year, I checked on the payment and Bank of America never applied it correctly as I requested. I do not have a record of the check. The {$5000.00} payment was made XXXX day after the regular mortagage payment. Bank of America is stating without proof of the check stating it was a principal payment only, they can apply the payment as they wish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation