milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Settlement process and costs

Complaint: We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then, XX/XX/XXXX, I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even, perhaps illegal. I guess we 'll find out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was advised to make an complaint with CFPB complaint.

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 04-11-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and chase still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advance Bureau of Collections (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Advance Collection Agency accepted an invalid claim for rent overpayment from XXXX XXXX XXXX ( XXXX ) and did not provide me with valid verification of the claim. In XXXX, 2014, XXXX XXXX XXXX informed me that the check issued to me on XXXX XXXX, 2014, for Housing Assistance Payment ( HAP ) was an overpayment and that I had 10 days to repay {$590.00} or the debt would be sent to collections. The letter did not acknowledge XXXX own letter of XXXX XXXX, 2014, ( attached ) which verifies that my contract was valid on XXXX XXXX, 2014 and would remain in effect until XXXX XXXX, 2014. There was no overpayment because at the time the last payment was made, the property was still under contract. Five months later ( After I had sold the property and no longer maintained an address in XXXX XXXX, XXXX sends a fabricated ledger statement with false dates to Advance Collection. Advance Collection did not investigate the claim and when I had a lawyer to call Advance Collection, there was some indication that the same staff member at Advance also worked for XXXX XXXX XXXX. I disputed the claim immediately, writing to XXXX XXXX, the Regional Director at HUD, and finally the Commissioners for XXXX and copied the last letter to Advance. Again, with no investigation or response acknowledging my dispute, Advance Collections placed a negative report on my credit report. I attach XXXX documents to show that XXXX claim for overpayment on XXXX XXXX, 2014, is not valid because the contract was not cancelled until XXXX XXXX, 2014. The second is to Advance Collections to inform them that the HUD regional office had suggested I contact the XXXX Commissioners about the dispute. The debt is not valid. The collection agency did not provide me with authentic and accurate verification of the debt and I was initially told by telephone that the amount was for repairs that I had not paid for. I am requesting that the negative report be removed, that relationship between Advance Collection and XXXX XXXX XXXX be investigated and that Advance Collections be reprimanded for its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion credit Bureau is reporting unverified accounts to my credit profile. This is in violation of Section 609 of the Fair Credit Reporting Act

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 03/30/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in XX/XX/XXXX, through Bank of America. I made my payments on time every month. I then filed Chapter XXXX bankruptcy on XX/XX/XXXX. My mortgage payment was being paid through my bankruptcy plan on time. I sold my house in XX/XX/XXXX, in which Bank of America was paid in full at that time. My credit report is now showing the last reporting was XX/XX/XXXX and there are XXXX delinquencies showing.

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 09-11-2015 about Credit reporting () with FACTUAL DATA CORP. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.

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 04/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX     2016, I ma de the decision to refinance {$6500.00} in student loans to a variable rate that was significantly lower than the fixed rate I was paying. I refinanced with  XXXX   XXXX , who uses Navient to service their student loans.     At the time I had  XXXX  student loans,  XXXX  of which had a 5.75 % or higher interest rate. The remaining loan had a variable rate under 2 %. I secured a variable rate under 3 % to refinance the  XXXX  high-rate loans, and specifically requested to Navient not to apply any payments to the sub-2 % loan.     When the refinance was completed Navient applied the monies to ALL of my loans equally - including the low-interest loan, against my instructions.     I called Navient. They did fix it for me promptly, which led me to give Navient the benefit of the doubt at the time.     I am writing to complain now after recently learning that Navient is being sued by the federal government for consistently misapplying payments by thousands of other borrowers. The fraud detailed in the lawsuit absolutely happened to me and it is now clear that their behavior was done deliberately in the hopes that I would not notice the error.     I am extremely frustrated and disappointed that Navient operates in such an unethical and fraudulent manner to squeeze extra profit from its clientele, and that I now feel I have to waste precious time double-checking every transaction. I want to further shed a spotlight on Navient 's abusive practices and warn others to be careful in their dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IN).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 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: Account status incorrect

Complaint: I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: -There are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XXXX. I experienced financial difficulty beginning in late XXXX. Despite making minimum p

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in 2015 I do n't know what else to do please help me please this happened in 2015 the bank is Wells Fargo the personal loan department

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