milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: showing XXXX on Experian acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 11-07-2017 about Checking or savings account (Checking account) with POPULAR BANK (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX /  XXXX      XXXX   XXXX   to     XXXX   XXXX   I spoke to 2 representatives. One was a regular representative and the other was a supervisor named    XXXX   XXXX  fo r 39 m inutes about the glitc h the Trans-Union had that erased my inquires and they added them back without formal   communications about what had happened. Neither of the representatives helped me and I was told that they would not help me.

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 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have three credit card with Bank of America..I lost my job in XXXX 2016 and I had a XXXX XXXX XXXX XXXX which I stop working on. I work in a XXXX is not a steady pay. I called the bank several time to see if they can Work with me and they said that I do n't make enough to even cover their minimum payment. The interest is to high for me to catch up with the payments as of right now. I 'm so up set because of this situation is killing my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2017 my identify was stolen and credit inquires from XXXX XXXX and XXXX XXXX were submitted to my account. In addition, new employement information for XXXX XXXX on XXXX XXXX in XXXX was added to my account at both Transunion and XXXX. This information is incorrrect. I have repeatedly tried to have this information removed by contacting the credit bureaus and even the car dealership and XXXX XXXX but I have been unable to have this fraudulent information removed from my account. The credit bureaus seem to have intentionally thrown up every kind of barrier imaginable to make it virtually impossible to have my credit fixed even though I 've subscribed to XXXX XXXX worthless credit monitoring service. We need new legislation to make this scumbag organizations accountable.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is a fraudulent account XXXX is reporting fraudulent charges. XXXX wirless is a fraudulent account. XXXX XXXX is a fraudulent 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 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This company is still reporting a paid XXXX tax lien whereas under the XXXX, I meet all of the qualifications and eligibility, per the IRS notice on IR- XX/XX/XXXX, XX/XX/2011

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 06-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned, against my better judgment, on my fiancs private student loan. He has been making on time payments, so I decided to try and get myself released as the cosigner. We have a baby and live in an older house and was recently tested positive for lead. I was trying to get approved for a mortgage, but the lead test has increased my urgency to move. This private loan is adding to my " debit '' that I pay/owe when I apply for a mortgage. We downloaded the release form from the Navient website. It required the form be completed, paystubs or W2 's be sent along with proof of graduation. All of the required information was sent. The requirements included XXXX consecutive on time payments of both the principle and interest. We waited a month and called the customer service line after not receiving any information. The rep told us we were denied based on not having XXXX consecutive on time payments. I asked what months were we late, because neither myself or the borrower were aware of us being late. We were transferred to XXXX reps and finally were told that we were late in XXXX XXXX and XXXX XXXX. The rep explained that his payments were due on the XXXX and you had up to XXXX days after that to make a payment. Those two months were not late but they were after the XXXX day mark. This is why I was denied being released from being a cosigner. I have an issue with this for XXXX reasons. First it does not say on line or in their release paperwork that you only have to pay up to XXXX days after the due date or you cant be released. It only says you have to make XXXX consecutive on time payments. Those XXXX months of payments were not late and they were on time. I feel that this is very misleading of them. Most companies have a 30 day grace period before something is considered late or before they add on late payments. My fianc took this loan out so that he could attend XXXX XXXX. He was never able to find a job in his field and none of his credits transfer to a XXXX college or university. He basically paid a lot of money for nothing. If he wanted to get his bachelors he would have to start all over again even though he has this degree from XXXX. Wasted time and money. And now this is hindering me being able to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 02-09-2017 about Debt collection (I do not know) with Collection Bureau Incorporated (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I represent an employer. XXXX sent a fax to a general company number with the person 's name and Social Security number clearly stated and this statement : " This communication is from a debt collector. Any information obtained will be used for that purpose ''. 

This method of communication is compromising to the employee, as it could be compromising to the person 's position, in addition to exposing the name and social security number, which makes them vulnerable to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a Bank of America credit card with a credit limit of {$500.00}. I pay my account every month and have been paying down more than 90 % of the balance every month. For my XX/XX/XXXX statement my balance was {$22.00}, this was reported to the credit bureaus around that time to reflect that balance. I then receive ( on XX/XX/XXXX ) an credit alert that BOFA is now reporting my balance as {$480.00}. I call BOFA and they tell me they are sending a dispute to XXXX, I then receive another alert from he other credit bureaus that the same balance has beeen reported on XX/XX/XXXX. Icall BOFA again and I 'm told they report randomly to the credit bureaus throughout the month- which is a inaccurate statement, they will investigate and let me know. This has cause my credit score to dget op 44 points across all my credit reports and is financially affecting me- since I was suppose to close on my mortgage this week.

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 03/13/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX I received a call from IQ Data Management International ( aka XXXX XXXX ) in reference to {$250.00} that was owed to XXXX at XXXX XXXX for utility bills. XXXX  never contacted me directly or mailed something to my current/last name address. I spoke to once representative ( phone number XXXX, ext XXXX ) and asked for an outline of the charges that were owed, as I was confused about the total, as my utilities were typically {$150.00} flat rate per month. The individual transferred me to the Operations Manager,  XXXX XXXX, who could give me more details about the account. I had to ask for him to give me a breakdown of the charges, at which point he became very impatient. I stated that I would like to verify the amount with my old apartment building, at which point he became agitated, was extremely rude, cut me off on multiple occasions and basically told me that he didn't believe that I was going to send in a payment, would annotate to my account that I refused to pay and that it would hit my credit score. I told him to not speak to me in such a way and that I no longer felt comfortable speaking to him or giving him my personal information, and asked to be transferred back to his employee. He transferred me back and the individual assisted me with scheduling a future payment on Friday, XX/XX/XXXX. this individual confirmed that I would be billed and a letter would be sent to my mailing address. When I asked who I could speak to, the individual gave me the main line number, as there were no complaints or other supervisors I could speak to. When transferred, I was sent to voicemail. I do not appreciate the aggressive tactics done by this company or XXXX, as I was simply inquiring as to why I was being charged, when the charges had been previously due, and what my payments options would be.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with DOUGLAS, KNIGHT & ASSOCIATES, INC. (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Name : XXXX Loan Company : Navient over the last XXXX years I have been making my payments on time. I got laid off XXXX weeks ago, the company ( navient ) claims that they can not provide me with any relief even though I 'm unemployed. Then I asked them to lower my payment and put me in some sort of program, to do that they say they must speak to my cosigners, these people are elderly, my XXXX is dealing with my XXXX XXXX, my XXXX is dealing with a theft and robbery, my XXXX is on a fix income older lady. They are asking to speak to them during these difficult times. I understand business, but they could lower my monthly payment I 'm just asking for a very small period of time or some sort help. They have nothing left to say except they must speak to my cosigners I told them I could get the information and they dont want that. I asked them not to put me in a program just to lower my payment by {$100.00} I told them I felt confident that I would find a job soon and should have the funds to make the payment and they do not want to help. I spoke to a XXXX and instead of giving me any help he reiterated the initial statement and told me it was unfair to his company that I felt like they were not giving me help. He was condescending and disrespectful to me. They have all the cards, they dont have to do anything to help me because they know if I dont make my payment they will just put me in default. I'am left with taking money from my food, electric, and phone bill to make their payments because I do not want to go into default. I understand business again my issue is that I have been responsible in making my payments I havent made a late payment in that time period. I just want to add my name to this list because I want people to know before they get in a loan with Navient that they will give you a loan but if you ever find yourself in a difficult position they will not help you in any way to make your payment. The only help they have is " make your payment of go into default ''. People need to know these companies have no XXXX for the people they are supposed to be providing a service to, they want their money and there is no wiggle room. Please research this company before you decide to take a loan out.

Company response to consumer: Closed with explanation