milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

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 12/18/2017 about Debt collection (I do not know) with Risecredit, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To my knowledge the company I talked to about paying my balance in installments of {$50.00} was XXXX, not XXXX. Now diversified consultants ( on the behalf of XXXX XXXX tried to access my account for {$50.00}. I was told they would only access it once if not successful I would have to call to set up another payment. Instead they kept charging my account first the {$50.00} then {$10.00} overdraft fee, pushing my account to a negative $ XXXX. I was in between jobs waiting for my first check and it took a dent out of it before I even got it. I tried calling they put me on hold and never came back. A XXXX time they sent me to a voicemail and never called back. I even sent a message and I still have n't gotten a response. I do n't even remember giving them my account number I thought it was XXXX I do n't know I could be mistaken. Either way I ca n't even get in contact with them to be provided proof or documentation, of anything. I now have to change my account number, because they just keep going in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Customer service / Customer relations

Complaint: I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Credence Resource Management, LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I entered into a loan rehabilitation program with the Department of XXXX. If I made my XXXX payments on time that XXXX would remove the default status on my loans that were rehabilitated. I was told if I disputed my credit report, by XXXX, that my credit report would update faster. I disputed the XXXX accounts as not being in default/not late. The credit agency contacted XXXX and XXXX stated to remove all accounts instead of taking off the default status, as per our written contract. I would like to have those accounts added back to my credit report and updated with the default status removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had received an unrequested XXXX XXXX Credit Card earlier this year. That was a red flag for me. I applied for a XXXX XXXX Credit Card today and was denied. I tried to request my annual free credit report today. They denied it and said I had requested the report on XXXX XXXX of this year and I did NOT do so. Someone requested the annual report without my knowledge, opened the XXXX XXXX card without my approval and now I ca n't open a simple XXXX XXXX card.

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 08/31/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Billing disputes

Complaint: I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.

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 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Erroneous Information and Statue of Limitations

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 09/14/2017 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 information incorrect

Complaint: Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XX/XX/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 non-monetary relief
Consumer complaint received 09/20/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (UT).
Issue: Taking out the loan or lease

Complaint: I applied for a solar loan through GreenSky in the amount of {$40000.00}. I was not approved for the amount applied for. The amount I was approved for was {$15000.00}. I did not accept this amount and canceled out of the online loan application. I was never contacted for approval on the different amount. I then received loan documents with an account created in the amount that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Bank Of America, N.A Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 08/25/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several letters over the last month to this collection agency requiting that the validate not verify my information. As of today they have not sent me anything in writing that proves this belongs to me, that I owe what they say, and have not provided me with documentation with my signature showing that I authorized the said services or account. According to FCRA validation included everything listed above, and they have failed to provide this information. They have now violated my rights under FCRA and are subject to violations.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.

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