milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed to them today and I am disputing with you now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently called to check the status of the XXXX dispute I sent to Transunion in regards to public records entry on my file. I have advised numerous times that although the bankruptcies were filed, They are no mine. XXXX has verified that the public records were not mine and have deleted them from my credit file. I was advised that I have to contacted the XXXX and was advised that they advised that I did not file a bankruptcy with them. I have contacted both courts and was told that they do no furnish any information to the credit bureaus or any 3rd parties. As working in a law firm, in order to access public information for " legal '' use, you must complete a form and indicate why you are seeking this information. I have been told a number of times that an electronic message is sent from XXXX to the courts directly. Each time, the " courts '' send back a message starting that they are verified. I then ask for the name and telephone number of the individual at the court that verified the information, and the bureau is unable to provide that 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 explanation
Consumer complaint received 06/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Payday loan) with MNE Services, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted on both my personal cell phone and my employment phone by a gentleman stating his name as XXXX XXXX calling on behalf of US Fast Cash from XXXX Pennsylvania with the phone number XXXX He has been aggressive and has used foul language and insults. He has called multiple times in a short period tying up all phone lines. I have been in contact with him multiple times requesting that he no longer call my place of business but he insists that he will continue the calls until the debt is paid. The alleged scenario is that I was given a {$300.00} payday loan from US fast cash with all of my personal info such as account number and SSN involved. I allegedly never repaid this loan and now owe {$680.00} that this company wishes me to settle over the phone in payments or else I will be charged with several counts of check fraud and currency fraud in a " courthouse '' and I can even face jail time. I am not familiar with a company called US Fast Cash nor do I have any outstanding {$300.00} debts or fraudulent checks. I never gave any establishment permission to keep my SSN, bank account number or to call my work. I am being scammed to pay {$680.00} that I do not owe or else face non-stop threats and calls to my work.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with DISCOVER BANK (VA).
Issue: Customer service / Customer relations

Complaint: For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Unsolicited issuance of credit card

Complaint: My Husband obtained a Care Credit card ( Synchrony Bank ) from his XXXX. My husband passed away XX/XX/2016. I began receiving statements for payment and the account was transferred into my name without my consent. I felt obligated to pay, and did so for 9 months. My son realized what was happening and that this was not legal. I stopped paying and we contacted Synchrony Bank to resolve. I asked for proof that I was legally obligated and they could not provide any verification of my signature on a binding document, or any electronic or recorded proof- because it does not exist. I was never involved in this credit. After several more calls and requests to rectify this, and explaining to them of the numerous violations against me, they still have not responded and the collection calls and letters continue. I am XXXX years old. This practice is no different then XXXX opening credit card accounts in customers names without them knowing. 
I believe Synchrony Bank is violating many regulations including, but not limited to, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, New Frank/Dodd Credit Card Act, Reg Z Truth in Lending. Each call made to Synchrony Bank has been recorded ( at least we are told so ) and anyone who would listen to our requests to have this resolved, our explanation of the laws being violated, and our request to do the right thing would agree that Synchrony Bank is ignoring all requests, and willfully continuing with this illegal activity.

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 06/29/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refused to block information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a wireless device through XXXX. I had an absorbent amount of data charges in the span of three months back in XX/XX/XXXX. The fraud department was called, and the IT department were called to investigate the high data charges in XX/XX/XXXX. I had been a customer since XX/XX/XXXX and had never gone over my data cap. A ticket was opened. A gentleman from the IT department called in XX/XX/XXXX and said that he could see a lot of streaming at odd hours. I told him that I did some streaming but it should not be {$700.00} worth of streaming. 

I immediately disconnected, removed the battery from the wireless device and put it in a drawer. I called again to find out what information the ticket produced. I spoke with an IT manager XXXX XXXX in XX/XX/XXXX. She told me I was still incurring charges. I told her that could not be because I took the device apart. I was prepared to pay what I owed but not if the device was malfunctioning and still continuing to incur charges when it should not. To ensure I would no longer incur more charges I asked XXXX to close my account. She said she would dispute the charges, but could not do it until the billing cycle completed. Both bills were disputed and I have been waiting to hear the results. 

I have called several times during the waiting period in XX/XX/XXXX. I spoke with another woman who told me a Diamond ticket had to be opened. She told me she initiated the Diamond Ticket. 

I received a call that my bill was going into collections. I called Customer Service again in XX/XX/XXXX to let them know I was waiting to hear back on the results of my ticket ( dispute ). The customer support person told me he would notify the collections department to wait until the ticket was resolved. 

I received notification a week ago that my credit report was updated in XX/XX/XXXX. I saw the XXXX bill listed. It should not have been listed because I never received a resolution to the investigation. There should be a credit due back to my account because I know there were issues with the device. 

It would appear that the collections department and the Customer Service Department are not communicating. In fact, the woman I spoke with last week at the Collections Department said she did not see that a Diamond ticket or any ticket had ever been opened. In addition, I asked to speak with a manager and one was not available. They told me I would receive a call in 24-48 hours. That was four days ago. I have not received a return phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Credit card) with Direct Recovery Services, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a leeter from my lawyer and the court stating that they do not report my information, and the information being reported is not mine, mine bankruptcy is still pending, so the wrong information being reported. I would like it removed. I have also included a letter from the FTC about public records being sold to the credit companies

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ad Astra Recovery Services is currently reporting on a debt, in the amount of {$600.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to   XXXX   XXXX  . Ad Astra Recovery does not own the debt. I have a contract with   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: So I am told I owe XXXX a month in interest. Last month I paid {$600.00} I made zero progress to pay down. The payments I sent in take 2 even 3 weeks commonly to be processed. Every Friday I get paid and every Friday I put a money order out. They will not take debit online or on the phone and I will not give my banking routing numbers out online with them then having rights to put holds and auto billing in place. I send out money orders with other bills and every other bill clears in a few days, 3 weeks later Navient has still not yet processed the payment. Allowing the interest to build and build and build and so when I pay XXXX in a month that has XXXX a month in interest that end of the month I still am at XXXX balance as I was at the start. How at 6.8 am I paying nearing double the interest for a month am I seeing no progress. Simple take 2 or 3 weeks to process a payment so the interest just grows faster and I never make progress forward as I shell out more to this bill a month to all bills but my rent at present which its approaching. 

I will never pay off the balance even at vastly more then the interest by how they are delaying processing the payments sent in!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information.

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