milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you

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 06/23/2015 about Credit card () with American Coradius International LLC (FL).
Issue: Sale of account

Complaint: XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Medical) with Aargon Agency, Inc. (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contact the hospital like I asked them but they refused to see I do n't owe any money never did the hospital bill was paid but they switched payment systems so they put my money in the new system which it should have applied to old system. Remove this from my report immediately l

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 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 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: Information belongs to someone else

Complaint: XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX7 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 08-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. 
If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). 
I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problems when you are unable to pay

Complaint: My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. 

The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. 

Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. 

This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. 
Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Recently Citibank and XXXX XXXX XXXX have publicly stated they will no longer give loans to companies that manufacture XXXX rifles and supporting equipment. I find it very difficult to do business with these financial institutions as they are infringing on my ability to pursue my second amendment rights. I believe they are making business decisions based on what they perceive as popularity reasons. I am considering closing my accounts with these companies and selling my stock in both companies. I am a Citi customer for over 40 years. I hope you can convince them it is not in their best interests to pursue this.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Defamation of Character and credit worthiness!! In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (OK).
Issue: Managing the loan or lease

Complaint: I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!

Company response to consumer: Closed
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CITI FINANCE SENT ME A XXXX CANCELING THIS DEBT ITS STILL ON MY CREDITS REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: My wife and I each opened CITI Gold Checking accounts with CITI Bank. I confirmed via instant chat on their website as well as over the phone that we were both eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to each of our accounts ( a total of XXXX miles ). They are denying ever confirming my eligibility and refuse to credit the miles.

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 03/15/2017 about Student loan (Non-federal student loan) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received two emails from XXXX in regards to my credit score being changed. I looked up my score and it had dropped over XXXX points. I scanned the report with all accounts showing paid. After digging deeper, I found that American Education Services ( AES ) was showing that in XX/XX/2016, I had not paid my loan with them, but every other month after, was paid. 

First, I was NEVER contacted by AES about my account being delinquent or not having paid on a certain month ( and AES never has any issues calling people constantly just to ask them what their middle name is ). I have shown in an attached document FROM AES from XX/XX/2016 that I am XXXX days delinquent on my XXXX loans. 

But yet, according to AES, I had n't paid in XX/XX/XXXX, therefore I was delinquent. 

I am also attaching a document from XX/XX/2016 that shows AES acknowledging their wrongdoing in a previous credit dispute with them, which is what the now current dispute is about. Again. 

To summarize the previous complaint : AES was misapplying payments to an account I was paying for with a check and very detailed information on the memo line as to where the check was to go ( because that is what AES had told us to do ). They were putting the payments in my account, while they were to be placed in another account as stated on the checks I was sending for said account ( as I had been doing for four years ). When I corrected them in XX/XX/2016, they agreed they were in the wrong, but said I would have to pay for the {$520.00} mistake they had made. I disagreed, but made the payment, knowing it was n't worth the fight. The next day, my credit score was hit by XXXX points ( just like this time ). 

After many, many attempts at trying to get AES to correct their major mistake and involving the Consumer Financial Protection Bureau ( which will be happening again ), I finally received the XX/XX/XXXX letter from AES, saying my credit would be fixed. And it was. 

Then out of nowhere, I find that my credit was hit again. For no reason. Again. 

I have paid on time for the last seven years. I have not missed a payment. I made a payment in XX/XX/2016 for {$1100.00} and {$140.00} to cover the {$720.00} loan payment for XX/XX/XXXX and the {$520.00} mistake AES had made by misapplying payments. 

So I would like someone to show me where and when I did n't pay in XX/XX/2016 and why my credit got hit by more than XXXX points again in less than six months by the same company. 

I 110 percent believe that my account is being targeted. 

This letter will be sent, like my previous one in XX/XX/2016 ( also attached ), to the Consumer Financial Protection Bureau and will be fixed by AES. And I will not stop contacting them until it is. Just like last time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Prepaid card (General purpose card) with SUNTRUST BANKS, INC. (CA).
Issue: Fraud or scam

Complaint: I received an unsolicited " XXXX '' prepaid card directly from SunTrust XXXX XXXX, FL ) via USPS mail. I reside in XXXX XXXX, California. A reasonable person would think that receiving the card this way infers that it was sent via a third party as either as gift or payment of a claim or refund. 
Only after " biting '' and following the instructions given to activate the card was it clear that was not the case. Now I feel I have been " fooled '' as they have my phone number and codes I used to activate the card ... the card I then found had a zero balance. 
It is important to note that this card carries baggage with it in the form their sharing if my information to other third parties and of very high fees for almost any transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
<P/>
I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has an item on my credit report that was not verified. XXXX it was updated XX/XX/2016 the company address is XXXX WA XXXX I have never had an account with XXXX I requested verification from TransUnion and it was supposed to be sent within 15 days according to FCRA it was never sent and I want this item removed immediately Legal Counsel has been notified.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CASHCALL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

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 08-05-2015 about Bank account or service (Checking account) with ZIONS BANCORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: To Whom It May Concern : I am filing a complaint against Amegy Bank for insurmountable stress, loss of time at work, sleepless nights, XXXX days of driving and hours on the phone and in your bank. As of today, XXXX XXXX I still have no answers. 

Saturday morning XXXX XXXX I pulled into an ATM to get money out of my account. My husband 's direct deposit had gone through the night before and my husband and I had traveled to XXXX XXXX on Friday night for a short vacation weekend. 

On Saturday morning I tried to open my online banking account from my cell phone. After several failed attempts, I called the number on the back of the card and was told that my account was frozen and they could not disclose to me why. They instructed me to call the branch where I opened my account. I did. They also told me that they could not give me any reason why because that department was not in on Saturday. We were told by one Amegy employee that the hold was due to fraud by a write-off of a closed account from 2013. 

We have been with Amegy for XXXX years. We have never received any kind of letter or email in reference to a debt we owe to Amegy. We were treated on the phone like criminals. We had no other means to get funds to come home. We were told by customer service that someone would call us back, they did not. We spent the rest of our weekend trying to get answers and our funds released to no avail. Our vacation was ruined and we had to borrow money to get home on Sunday. 

Monday morning we spoke with XXXX XXXX XXXX of the XXXX branch who was able to release our funds but our debit cards were closed. We live XXXX minutes from Amegy, made XXXX trips that day trying to get to answers & money out of our account. XXXX XXXX did everything he could to get answers for us. Your fraud department, he found out, thinks that I owe {$260.00} but as XXXX XXXX showed me on your computer, I do not. My account was closed properly with XXXX XXXX XXXX ( my banker for XXXX years at the time. ) I know that I am not a large account holder. My wife and I are in our XXXX 's and I had XXXX and can not handle this level of XXXX. 

At this time, XXXX XXXX, XXXX XXXX, we still have no answers. Again, XXXX XXXX is doing everything he can to help us but I need to know who is able to hold {$2000.00} on a {$260.00} debt I do not owe. 

I am requested someone to please help us. 


Sincerely

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