milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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 NEVER been past 30 days late on  my Kohls  credit card and all  XXXX  agencies are reporting a late payment, this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SKO Brenner American, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I received mail from XXXX XXXX XXXX about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account XXXX XXXX ( Please note : XXXX XXXX account 's last four digits for security reasons ].  Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to XXXX XXXX XXXX to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. XXXX XXXX XXXX has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).

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 07-06-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: CHEX SYSTEMS IS STATING THAT XXXX XXXX XXXX SUBMITTED A NEGATIVE COMMENT ON MY CONSUMER REPORT ON XXXX/XXXX/XXXX. HOWEVER XXXX XXXX XXXX WAS NAMED AS A DEBT IN MY CHAPTER XXXX & CHAPTER XXXX FILING XXXX. THIS DEBT OCCURRED EARLY XXXX & XXXX AND THE NEGATIVE FILING WAS NOT FILED UNTIL XXXX AND SHOULD BE REMOVED BECAUSE I WAS PROTECTED UNDER THE BANKRUPTCY DURING THE TIME THE DEBT OCCURRED. JUST BECAUSE XXXX XXXX XXXX FILED THIS NEGATIVE INFORMATION AFTER THE DATE OF THE BANKRUPTY DOES NO HOLD ME AS THE CONSUMER LIABLE DUE TO THEIR DELAYS IN REPORTING TO CHEX SYSTEMS.

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 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Auto) with AFS ACCEPTANCE, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling back to back. Hanging up and calling right back within minutes

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 05-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I challenged XXXX XXXX XXXX through Equifax sent Certified Mail on XXXX/XXXX/XXXX. They received it on XXXX/XXXX/XXXX according to my tracking number through USPS XXXX. I have yet to receive any documentation regarding my initial dispute and it has been more than 30 days. My credit report has never been noted that XXXX XXXX is under consumer dispute. I have called several times and have been on hold for more than 30 minutes. I have been unable to get in contact with a live Equifax Representative.

Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, they were unable to provide me with a copy of the verifiable and irrefutable proof that they have on file for every one even each any and or all of the adverse accounts listed below and they failed to do so within 30 days of receipt of my complaint challenging their compliance to true accurate and complete timely reporting they must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. They are in complete violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a brother that has the same XXXX initial as mine, and XXXX of XXXX numbers of my social security are the same as his. Our credit has merged as if we are the same people. His student loans, child support, vehicle repossessions, etc. are on my credit report. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Trans Union XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

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 04-07-2017 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: I SUBMITTED A HANDWRITTEN NOTICE US BANK XXXX BRANCH DEMANDING TO CLOSE MY ACCOUNT. MONTHS LATER I RECEIVE DISCRIMINATORY TELEPHONE TACTICS OF DEBT COLLECTION EFFORTS IN EXCESS OF {$230.00} BY A THIRD PARTY DEBT COLLECTOR. MY LETTER STATED THAT THE ACCOUNT WAS TO BE CLOSED AND REMIT THE CLOSING ACCOUNT BALANCE DUE STATEMENT TO MY PO BOX IN XXXX OF THIS YEAR. I SINCE HAVE BEEN HARASSED AND THREATENED BY THEIR DEBT COLLECTORS DECEITFUL ACTIONS. THIS ACCOUNT IS PAID IN FULL. REFERENCE NUMBER XXXX. CONFIRMATION NUMBER XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: NONE of the credit reporting agencies ( Experian, XXXX, or XXXX ) explain HOW a credit score calculation is done ( there is only information regarding what " % '' of a credit score is from various sources-e.g. debts, credit utilization, etc. ). Please INVESTIGATE EACH CREDIT REPORTING AGENCY and find out WHY there is NO INFORMATION given to consumers regarding HOW a credit report score is calculated!

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Family Member ob tained loans fraudulently, has subsequently been   XXXX   and is   XXXX   XXXX   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with HomeTown Lenders, LLC (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent the plaintiff and requested for " VALIDATION '' of debt. They refused to send in anything but summary of the said account by the CITIBank. Yet, per the court case ( # XXXX, Attached copies ), I have been summoned to appear in court. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed certain information on my credit report with Equifax - apparently filing these disputes with people who are in customer services positions overseas ... Either they could not understand what I was saying or they were not listening. At any rate after a month of working with Equifax I had a bigger mess on my record than prior. Shortly after that I had a horrible accident and have been ill since that date only now am I able to redirect my attention to address theses issues : The following were all listed on my Chapter XXXX Bankruptcy ( filed XXXX ) - were discharged as debts and should not show on my credit report. Court says I no longer owe these bills - therefore they do not exist - all were listed on the bankruptcy. 
1st issue - XXXX XXXX XXXX for XXXX XXXX assigned XXXX for {$36.00} - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report.Should be deleted. 
2nd issue - XXXX - ( XXXX ) assigned on XXXX - removed this information when they received the dismissal by the Bankruptcy Court - in speaking with the person overseas whom I could not understand I was asking if this had been removed and they said it was no longer listed on my report. Without my asking and without my knowledge this person disputed this bill thereby requiring a respoce from XXXX XXXX - thus what had been dropped from my credit report now shows again - thanks to the incompetency of the Equifax employee. 
3rd Issue - Merchants XXXX of XXXX - date assigned XXXX ( incurred XXXX - XXXX XXXX ) - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted. 
4th issue - Judgement dated filed XXXX - XXXX XXXX - case # XXXX - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First The Government, toke my taxes returns, in XX/XX/XXXX and paid the debt that I did owe off, Now I am receiving a letters from Company call Transworld Inc to my home address from a third party linking my information out such as my home address Name Credit information. This company is asking for more money off the debt I paid off and with an XXXX dollar more interest on the amount I paid in XX/XX/XXXX, saying its from Interest. The company I owed a debt too was paid off in XX/XX/XXXX. Currently showing close and paid. Now a Transworld Systems Inc is trying to get more money out of me. This is crazy I changed job and my information was stolen from my current job, We all received a letter telling us our identity has been stolen. This has to stop!

Company response to consumer: Closed with explanation