milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Recently, I requested a copy of my  XXXX  Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as  XXXX  the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is ov er five years old and should not be reporting  on my file at all.     The report shows a conviction for Failure to  Appear  from  XXXX   XXXX ,  2010 . The corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract f rom the Secretary of State. Ple ase find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated.     Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the last five years I responded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold bank account with Citi bank XX/XX/2015 with a promotional code. When I applied this code, Citibank verified that it was accepted and that the promotion would be applied to my account. The exact wording for the citigold terms and conditions stated that the offer was available to Citi/ AAdvantage card members that receive this communication. This reward offer was confirmed to have been applied to my account yet Citi is claiming there was NOT an AAdvantage miles promotion offered in conjunction with the opening of my account, even though they confirmed with me that I DID have the promotion available for me back when I applied. Now they are claiming that they do not owe me the reward for this offer and they refuse to credit me with the miles that I have rightfully earned by completing the promotional offer.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In light of misuse or fraudulent access, a.k.a. breach of security, I request a new rule for credit bureaus, requiring XXXX XXXX. 

Some private companies implement XXXX XXXX on private systems in order to contract with the Federal Government. Why not US Credit Bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Mortgage (Conventional fixed mortgage) with EQUITABLE MORTGAGE CORPORATION (OH).
Issue: Credit decision / Underwriting

Complaint: Equitable Mortgage is advertising for a realtor listing on XXXX. they are offering financing for the listing with No APR and I also question if this is a respa value with expecting a loan in return for opening up my data base for marketing mortgages to them. No cost to the agent ( clearly a thing of value ) in addition no monitoring of APR in advertising rates to customer for that home with a discounted fee! this does not seem to be uniform and if this is OK I would like your approval so I can indicate to other lenders this is an acceptable way to solicit mortgage via Agents? 
thank you I have copies of the XXXX postings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: On two successive days, XXXX XXXX, XXXX, I called Bank of America about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 02-11-2016 about Debt collection (I do not know) with Cochren Bailey & Associates, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am an attorney employed with XXXX XXXX XXXX XXXX. Since my employment began here in XXXX XXXX, I have been receiving calls on my direct work line from Cochren, Bailey & Associates LLC, a debt collection firm, looking for an individual named XXXX XXXX. These calls threaten criminal and legal action against XXXX for a debt. XXXX is not an employee with XXXX. I have no affiliation with XXXX in any way. I have repeatedly advised Cochren Bailey that I do not know this individual, and that she is not an employee of XXXX. 

On XXXX/XXXX/XXXX, I sent a letter to Cochren Bailey ( with read receipt requested, which was done ), advised Cochren Bailey that they are and continue to be in violation of the FDCPA. 

I also filed a complaint with the XXXX ( Complaint ID # : XXXX ), wherein Cochren Bailey admitted, in response to my complaint, that they called my work number, and would not do it again. 

Since the date of the XXXX complaint, I have received three more telephone calls from Cochren Bailey looking for XXXX XXXX. 

XXXX/XXXX/XXXX ( I answered the call and against advised this office they are in violation of the FDCPA and that I do not know XXXX XXXX ). 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message. 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message.

Company response to consumer: Untimely response
Consumer complaint received 02/24/2016 about Payday loan () with Rosen Management Services Inc. (MO).
Issue: Charged fees or interest I didn't expect

Complaint: The company is calling harassing me about a loan I know nothing about. They threatened to contact my job

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 around XXXX this morning I contacted FMS debt collection regarding a debt I have from an apartment. XXXX gave me the information of what I owed. I later asked XXXX, can I settle the debt, and he stated that the " XXXX XXXX '' does not take settlements. I said, well if I pay half would they settle? XXXX responded, they will only take settlements if it 's close to what I owe. I then asked XXXX could this be removed from my report if I paid it in full, XXXX response was " Nah ''. I responded to XXXX " nah or do you mean no ''? He then replied to me in an ill-mannered tone and said you are being sarcastic and you need our help. Furthermore we will take legal action upon you. I asked him who was the manager, XXXX replied, I am. I asked him who was his boss, and he said the owner of the company. He also said that he will not give me his information because the owner does not talk with the debtors. He then slammed the phone in my ear. I then called to speak with XXXX XXXX XXXX, Operations Manager and I was told she no longer works for the company. I asked for XXXX XXXX XXXX and he said he 's not in this office. I then proceeded to call XXXX XXXX and left her a message at XXXX on XXXX XXXX, 2015. I have yet heard a response from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 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: Account status incorrect

Complaint: I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Old information reappears or never goes away

Complaint: In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, Experian and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, Experian and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, Experian and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

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 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a XXXX. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

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 04-06-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: Restore my dispute page/Do not lock me out/Respond to mysecure messages/Refund me all those late fees and reversal payment fees and stop controlling how I make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX for years. When I was given a no-cause eviction notice because they were selling the apartment complex I lived in, XXXX assured me they would not charge me the {$150.00} early termination fee. I started receiving bills trying to collect the {$150.00} as well as threats to send it to a collection agency. I called again and was told I need to speak with the billing office. I called billing and was assured they would correct their error and they would credit the {$150.00}. I explained I am trying to buy a home and can not have this affect my credit. They once again, assured me all is corrected on their end and I will not receive any more notices. Well, the next notice I received was a hit on my credit report from a collection agency on behalf of XXXX, for the {$150.00} early termination fee. I called yet again ( probably 15-20 phone calls in all ) and they again apologized and said they have credited the {$150.00}, but her supervisor will have to send an email to somebody to have it removed from my credit report. Absolutely crooked company I HATE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with GC Services Limited Partnership (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: GC Services Collections for  XXXX  {$2600.00} rounded Balance was discharged through Chapter  XXXX  I have disputed this item 4 times I also never received a collection notice before it showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have mailed correspondence to XXXX in XXXX and XXXX to dispute inaccurate information on my credit report without success. XXXX has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and XXXX is still reporting inaccurate negative information and will not remove it. It is affecting 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 08-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a dispute to Portfolio Recovery Associates and they never sent me valid proof per the FDCPA. Also, when I disputed this account, it came back verified with the credit bureaus. But how can it come back verified when the account number on XXXX is XXXX but then XXXX and XXXX XXXX XXXX. Also, how can a collection account have a payment status of 120 days late when there is no payment history per METRO 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have reached out a number of times to Transuion, sent all supporting documents required. Drivers License, California I.D and a Bill to support the claims for the disputs, so why are they requesting me to send in these documents. I 've done so everytime, and why are they requesting 60 days when they have by law XXXX 45 days to complete an investigation?

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