milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid. 

Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account. 

This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake. 


Any help with this matter would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Credit card companies are required to allow me to opt out of information sharing. ( Thanks to government reguluation for this. ) It is my preference that they do n't share my information. 

In order to opt out I must call the on the phone. All other features and services can be done on the web site. For some reason this requires a phone call. I 've made that phone call and am currently waiting on hold. They claim high call volumns. I 'm taking this time to My complaint : Capitol One is making it difficult for me to opt out of privacy sharing. 

In fact, I 've not yet been connected to a representative. For all I know, it may be impossible for me to opt-out. It has now been 5 minutes. This function can be done on the web site. That i must call and wait on hold is an intentional barrier to opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Other bank product/service) with Comerica (NY).
Issue: Using a debit or ATM card

Complaint: My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take appropriate measures to secure my personal information including SSN and was breached. This has now left me exposed for the rest of my life. I will incur several costs now to monitor my credit even more closely.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically. 
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against. 
We are requesting your help in resolving this matter, We will not give in to their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Settlement process and costs

Complaint: We recently closed a refinance loan with Bank of America. When I received the HUD-1 settlement statement, it did n't match the GFE for the origination charges. As the HUD-1 specifically states that these charges can not change, so I notified BofA. After nearly a week, someone finally responded to me, but nobody has been willing to provide a resolution to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 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: Information belongs to someone else

Complaint: Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 10/31/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WA).
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: Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.

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 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NH).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on  XXXX   XXXX ,   XXXX  . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license.   Proof of my claim of identity theft : A copy of the police report about my identity theft.   A completed and signed FTC Identity Theft Report.     I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft,  not later than 30 days after the date of receipt of a request from a victim. As of  XXXX   XXXX ,   XXXX  , I have had no response fr om Barclays regard ing the request for records.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VT).
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: I ordered, online, a FREE sample of a vitamin product, with a bonus bottle of another energy vitamin. JUST PAY {$4.00} shipping. Used credit card to pay for shipping only. Citi bank said this practice is not fraud. A scam is not fraud? They stole my card 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 03/15/2018 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: Information belongs to someone else

Complaint: XXXX : XXXX : EXPERIAN The heck is going on. Ive contacted you guys time and time again since XX/XX/XXXX. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

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 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I asked TransUnion for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX & XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with XXXX asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like XXXX to follow suite .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with GRYPHON CORP. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I owned a credit card from XXXX XXXX XXXX that I defaulted on. The account was closed by XXXX on XXXX XXXX, XXXX. Since then, I have been steadily contacted to the point of harassment by Main Street Acquisition Corp, represented by XXXX XXXX XXXX. XX/XX/XXXX, I was served with court papers to which I responded noting their lack of proof of the debt as well as my inability to pay. Over the ensuing three years, I 've been asked to produce documents relating to the debt that XXXX would 've provided them if they 'd bought the debt. Furthermore, there is no record on my credit report of XXXX selling the debt to Main Street. They have now obtained a court date for this case. As the debt is now five years old, I am sure this is inappropriate.

Company response to consumer: Closed with explanation