milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

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 05/28/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Deposits and withdrawals

Complaint: At least six times on depositing cash into my bank account the money disappears. The receipt shows a deposit but the money is n't actually in the account. My car payments and other bills have been affected over this. Friday was the sixth time I 've dealt with this. I 've heard it was a back office problem, a teller issue, new computer system issue, a closing of the day issue. The first time the manager of the Fifth Third branch in XXXX Michigan ( the bank I go to ) deposited my money in someone else 's account. I 've had it!!! What is so difficult about depositing money that they ca n't seem to figure it out!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Case Number : XXXX Merchant : XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$27.00} Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute. By way of this signed letter, I will continue with disputing the above listed information. On the evening of XX/XX/XXXX, I placed a take out order for two # 5 combo sandwiches and two # 6 combo sandwiches. The merchant made a mistake by giving me two # 7 combo sandwiches ( see attached sales invoice ). Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive. Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they " rarely make mistakes '', " I must be wrong '' and that he records videos and voices of all his customers. In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup. 

The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed numerous complaints with incorrect information being on my credit report. I have had to get numerous addresses removed off of my report that I have never lived at and numerous telephone numbers that I have never had. I have been disputing these same accounts for the last 6 months and they refuse to remove them. I am exhausted and I have now filed suit. I will not amend it or cancel it until they remove those items on my intent to sue letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (VA mortgage) with LoanCare, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>Transunion : XXXX XXXX listed as an " adverse account '' XXXX : XXXX XXXX listed as a " Negative '' in XXXX XXXX XXXX report : XXXX XXXX XXXX " date of 1st delinquency, '' XXXX " Date major delinquency 1st Rptd '' On XXXX/XXXX/XXXX I contacted Transunion XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX, I received a call from Navient claiming that I did not make my XX/XX/XXXX payment. I pay my student loan bill EVERY MONTH between the XXXX and the XXXX of the month, and have not missed a payment since I began my payback in XXXX. I sent them a copy of my bank statement to prove that I did, indeed, make this payment, and I was told they would get back to me. I then got another call more than a week later claiming that I also did not make my XXXX payment ( which was sent by my bank on XX/XX/XXXX ). After calling AND emailing them my proof of payments, they came back by saying they were going to investigate what happened to my payment. It turns out that the XXXX payment ended up being applied to my daughter 's student loan ; however, it was not the loan that I co-signed for her. It was ANOTHER of her loans that did not even have my name affiliated with it. While they retroactively applied the payment to my XXXX bill, they are still claiming I never paid in XX/XX/XXXX. In the midst of this issue, Navient sent me a XXXX payment history, which I checked against my bank statements. I discovered that I was never credited for my XX/XX/XXXX payment at all. I sent them proof of payment and asked why they never claimed that I was late for XXXX. I would have sent the proof back then if they had made that claim. Instead, they took my money and did not credit me at all. So out of the past four months, this has been the issue : XXXX they were paid, yet I was not credited ( sent proof of payment ) XXXX no issues XXXX claimed I did not pay ; they had credited it to one of my daughter 's loans and not mine XXXX claimed I did not pay and have not corrected the error as of yet. 
I am going to have to go back to XXXX to double check each and every payment to see whether or not I was credited accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with MNS & Associates LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX    XXXX , 2017  I wrote a letter to Equifax regarding an old credit report investigation. I recently realized that I had filed a dispute with Equifax back in  XXXX  and did not receive any information about the results of the investigation.
<P/>
I sent Equifax a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the investigation results at the time.
<P/>
While Equifax did send me an updated report -- they did not adhere to the guidelines of the FCRA which states if they do not respond within 30 days, they must remove the negative information.
<P/>
Equifax did not respond to me within the 30 days period back in  XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Installment loan) with Apothaker & Associates, PC (PA).
Issue: Problems when you are unable to pay

Complaint: Through a consumer action agency, I made contact with Apothaker XXXX P.C. ( the attorney 's office ) handling a judgement against me for XXXX XXXX credit card. The only offer they would make required me to pay {$640.00} /mo for two years. They said they had a rule against extending the time. 
I am a XXXX veteran on a fixed income and ca n't possibly meet these demands.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have already done a fraud alert I need my report so I can look over it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with Servis One, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. 

I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. 

Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation