milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

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 05/19/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Credit reporting () with EQUIFAX, INC. (GU).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A company called XXXX is showing up in my credit report I am not familiar with this company stating I owe XXXX. Showing fraudulent. I am disputing this. I need to get a hold of this company. I want to know why is there company showing up in my credit report. This is showing up in TransunionI have tried emailing and calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with PNC Bank N.A. (KY).
Issue: Account opening, closing, or management

Complaint: Posting of charges and overdrafts. I keep track of my charges and spending and verify it with the online banking thru PNC. 

I started with {$58.00} available ... XXXX takes {$19.00} leaving {$38.00} ... Spend {$11.00} at XXXX leaving {$27.00} ... .Spend {$21.00} at XXXX leaving {$6.00} then Spend {$5.00} at XXXX Leaving a balance of {$1.00}. I then had a charge from XXXX for {$10.00} which would have Caused a OVERDRAFT OF {$9.00} and I somehow get XXXX overdrafts?????? {$100.00} charge for {$9.00} over??? That 's XXXX and PNC is a bunch of THIEVES This is backed up by their own online banking!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, I have two 'dings ' on my credit report that I need to get removed. One was a XXXX XXXX  Mastercard, and one was a Chase credit card. 

Both banks will not talk to me, because I closed the account many year ago. However, one payment was late for XXXX XXXX and one was late for Chase. Both banks claim they do not have my information, etc. I would like to ask them to remove those two late payments. My payment history is almost perfect, and I had a problem with my payment not being submitted correctly in both of these banks. 

Basically, I just want these two banks to give me a courtesy and remove those late payments from my credit history. The rest of my credit payment history will prove that I make my payments on time. 

But, neither bank will talk to me - they claim they have no record of me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Customer service / Customer relations

Complaint: I spoke with Lowes Credit XXXX on XX/XX/XXXX.2017 about raising my credit limit to {$1000.00}. I asked them to run a soft inquiry only because I am applying for a mortgage on Monday and do not want any hard inquiries to affect my credit score. I specifically asked for only A SOFT INQUIRY AND TOLD THEM NOT TO RUN A HARD INQUIRY. My XXXX score was XXXX as of XXXX/XXXX/2017. 
I check my reports everyday because I am meeting the mortgage officer this coming Monday to get a pre approval for a mortgage.. I wish I never ever spoke to Lowes. I never would ask for a hard inquiry knowing the depth of injury it would put on my FICO score. 
Today I looked at my credit score and it has been reduced to XXXX. I looked into my repot. Lowes ran a hard copy of my credit and reduced me by over 20 points in my FICO. This is so unfair to me. The whole credit reporting business has been a nightmare to deal with. Everyday thee is an issue. Just when I am finally in the home stretch and meeting my broker on Monday, THIS HAPPENS. tHIS WAS NOT WORHT THE PHONE CALL TO lOWES. tHEY MADE AN ERROR WITH MAKING A HARD COPY. 
This hard copy info needs to be removed so I can qualify for my loan. I am so tired of being beat up by the credit card company poor reporting and constant mistakes through XXXX, XXXX XXXX and XXXX. 
You are the only people that help. Please please 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 non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX continue to call my business phone number trying to collect a debt. They call from several different numbers and continue to do so after I block their numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.

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 08-05-2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion fail to delete a negative account older than 7 years. Moreover, the account has been sold and the statement from TransUnion determines the account is been verify but has been sold according to the original source.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Since XXXX of XXXX I have persistently been in disputes with XXXX, XXXX and Equifax along with XXXX collection agency in regards to reporting an invalidated account.Every month since initial contact in XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XXXX XXXX, XXXX with balance of {$3300.00} to XXXX XXXX, XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that Portfolio is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are many inquires from each of my credit reports that are not mine Equifax XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX 2 times XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (AL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Harris & Harris, Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am employed by a   XXXX   and insured by the  XXXX .   I ha d a Drs. visit  that was not filed with my insurance correctly.   Whatever the confusion, the debt was sent to debt collection before I ever received insurance information.   A company name d Harris and Harris sta rted calling me sometimes twice a day.   I called them and found that this was an incorrectly handled insurance issue.   I called th e Drs. Office and s traightened out the issues. My insurance then covered the visit.   I am still receiving calls-sometimes robo-even though this has been settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Bridgecrest Acceptance Corporation (PA).
Issue: Fraud or scam

Complaint: XXXX/XXXX/XXXX payment sent in the amount of {$5600.00} to bridgecrest XXXX/XXXX/XXXX payment was reversed in the amount of {$5500.00} from bridgcrest XXXX/XXXX/XXXX payment sent in the amount of {$310.00} to bridgecrest XXXX/XXXX/XXXX payment reversed in the amount of {$290.00} i spoke with a CSR i was told they were unable to locate the account, i asked for an audit of transaction history for factual proof that my account was unable to be located because red flags were risen when the actual payment amount was not showing back on my account with bridgecrest if account was unable to be located, bridgecrest sent me an email with a legal document showing account history of the payments per my request after several attempts of me trying to get them to do so that did not adhere to the proper payment amount that was submitted by me.I told bridgecrest that i was aware of this being a situation that needed to be investigated at this point, i asked bridgecrest to tell me what the payment amount was for the dates XXXX/XXXX/XXXX made out by me and they CSR stated she sees in the system a payment of $ XXXX well as a reversal on XXXX/XXXX/XXXX in the amount of XXXX but in the legal document and on my account from bridgecrest it states the dollar amount of {$5500.00} just as the same for the payment on the XXXX for the amount of {$310.00} so at this point i told them i had no choice but to file a complaint because they are telling me that it just that no acount was found but if that was in fact true the audit of tranasaction history would reflect the actual dollar amount submitted for payment not another dollar amount.

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 01/16/2017 about Bank account or service (Savings account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: Savings account was open with the sole purpose of protecting myself from any overdraft fees. I truly feel the clerk had malicious intent is miss leading me. I'be received a total of XXXX penalty fees in less than a month. And to add insult to injury I spoke to a customer care rep over the phone on XX/XX/XXXX about overdraft fees I stated that I use my savings to pull from to avoid additional fees and she made no mention of the XXXX dollars I 've been paying every time I pull money from my savings.

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 10-07-2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took out a loan with Loan Me.Com. at the time I took out the loan the payments were set for 4 years at {$350.00} per month automatic deduction from my bank account. When I called them to find out the payoff balance, the amount I was told was greater than the amount I originally borrowed. I have been paying on this loan for a year and have paid a total of {$3800.00}. They told me the payoff would be XXXX the interest rate is 135 %. I am wondering if companies can do this legally and what options do I have.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with Transfinancial Companies, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: X/X/2017, These charges are all fraudulent. I did not make them. They must be reversed. All " SECURITY DISPUTE ADJUSTMENT '' must be LOOKED INTO and refunded to me. <P/>XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$700.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XX/XX/17 XXXX XXXX TX SECURITY DISPUTE ADJUSTMENT Payments and Credits - {$360.00} XXXX

Company response to consumer: Closed with explanation