milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), the XXXX credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, XXXX, and Experian what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, Experian, nor XXXX have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three XXXX credit bureaus that The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? Experian, XXXX, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA All XXXX credit bureaus are required to promptly DELETE all information which can not be verified.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Disputing a auto loan account. I am having an issue with Equifax. I have submitted 3 disputes with them regarding the following account : XXXX XXXX XXXX. It is a paid off car loan. My husband and I are joint on this account. I believe Equifax has corrected and updated my husband XXXX XXXX XXXX credit report but not mine. On my credit file it is supposed to be a CLOSED and PAID account. It was paid off in XXXX  2017 and Equifax keeps saying the dispute is complete but never updates the info. I have not had a problem with XXXX or XXXX. They have updated my credit file to {$0.00} balance-PAID and CLOSED. On my Equifax credit file it is still showing OPEN- {$11000.00} and Equifax will not remove or update it. I contacted the creditor and they updated Equifax with the correction and Equifax had it as $ XXXXPaid and CLOSED for one month and then it changed back to OPEN with a balance. Hopefully you can correct this with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I got a call on XXXX/XXXX/XXXX from Citibank which is where my Goodyear credit card is financed stating that my account is 90 days past due and that I have been charged {$400.00} dollars in late fees. I have been a customer since XXXX and my account had always been setup on autopay. I have the statements to prove it, see attached. They said that I received an email that my account had been disenrolled but I did not dis-enroll it from autopay. It has been set up that way for years so why would I stop it now. When I checked the activity on the goodyear signon website, it said no activity at all for any of the months in XXXX. The supervisor that I spoke to on the phone could not explain why it said no activity. He kept referring me to an email which he could not prove that I disenrolled myself. I do n't check my personal email so I was not aware of this so called dis-enrollment. Somewhere along the line my autopay got removed but it was not by me. It looks like when my balance was {$0.00} the system might have disenrolled me. If they do n't have proof that I actually disenrolled myself, I want my account restored to prior state.

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 monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit line increase/decrease

Complaint: I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.

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 monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX could not provide service in zip code XXXX and told me to change carrier .They gave me settlement figures to pay off phone and close account. 
I moved to XXXX .Then later after some time XXXX charged another {$130.00} and put collection s on my credit report .They can not explain charge .They do n't care and lack honesty .They are too big and important to sort out small problems.They are just greedy for money

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
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: on X/X/17 or so I sent a XXXX request to Trans Union requesting to verify Bankruptcy and XXXX XXXX XXXX XXXX student loans required under Section 609 by certified mail. On or about X/X/17 I sent a XXXX request and no proof of these items belonging to me was sent. On or about XXXX XXXX Trans Union deleted the Student loans and then in XXXX XXXX put them back on my credit Report. On XXXX XXXX XXXX by certified mail I requested for Method of Verification for BK of 1. Name of the Court, 2. The person who verified 3. The Address 4. The Telephone number 5. The documentation used to verify the dispute. I have never received a consumer contract with my signature I only receive a credit report saying results verified as accurate from BK court house in XXXX Maryland. On XXXX XXXX XXXX I wrote the Maryland Federal Court in XXXX with a Affidavit of correction and ask for there process of such reporting and sent a return envelope. There responds was they do not report such information to Credit Reporting Agency. After that I sent a certified letter with a copy of the Court reply to Trans Union requesting them to delete the information! I have filed and sent a FTC Identity Theft report and along with a police report with all pages and they have ignore those documents. I have never filed Bankruptcy never apply for any kind of student loans.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all   XXXX   of the bureaus (  XXXX , equifax, and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Citibank denied me on XXXX/XXXX/17 a Citibank business XXXX XXXX Advantage card. Application ID : XXXX. The denial was based upon religion. My credit score is very high. I would not mind if they gave me a card with low credit, but they outright denied.

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (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: Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.

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 05-04-2017 about Debt collection (Credit card debt) with AllianceOne Recievables Management (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation