milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX   XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with ECG Debt SETLMENT that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on m y credit Score  The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OV ER 15  HRS A WEEK every Week trying to resolve this

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 02/23/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting that I have not made any payments on a joint account. This issue has been discussed with wells fargo by XXXX XXXX. The issue was supposed to be fixed, but wells fargo has yet to fix my information. It is so bad, XXXX sold the mortgage to bay view loans. XXXX has not notified anyone about it, yet they are already claming that they have had an account for us as of 2008 and that we have not made a payment and that forclosure notices have been sent. No information has been sent and the payment information is wrong. Again, all payments have been made on time through auto pay plans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had been using autopay features in Bank of America online banking to pay my account faithfully for several years until these features suddenly disappeared from the site without warning or notice. I called the company several times and was told I could in fact set up autopay again and keep paying the full balance each month ; however, I would follow the steps the customer rep would give me to re-add my checking account and would still not be able to pay the balance -- only the minimum. The last time I called, I was told I need to fill out a paper form in order to be able to pay the full balance ( thus essentially defeating the purpose of online banking ), which would be mailed to me, and it has not been sent to me to this day. I captured this conversation in screen shots. I can only conclude from this behavior that Bank of America does not wish to make it possible for its consumers to pay their balance so they can take advantage of this gap for profit. This has been a huge waste of time for me and has negatively impacted my credit because I also do n't get email reminders of my bills anymore or paper notices.I would like my credit rating revised as needed for late payments and for the following charges to be reversed : XXXX {$25.00} fee, XXXX {$37.00} fee, XXXX {$27.00} fee, and any other associated fees or interest that have not posted yet. I have been a loyal customer to them and should not be punished for their lack of foresight in designing their online banking and/or duplicitous lending practices.

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 05-11-2016 about Debt collection (Payday loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get my mortgage company to schedule a new appraisal so i can eliminate PMI on my loan. I followed the mortgage companies directive and sent in a signed request. It was confirmed received almost 6 weeks ago. I have spent the last 2 weeks calling every couple of days trying to get resolution on my own for an appraiser to contact me. I have been told my request has been escalated several times but i still have no resolution to this issue. i am hoping by writing to this bureau and appraisal will finally be completed so i can eliminate PMI from my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on 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 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with SUNTRUST BANKS, INC. (TX).
Issue: Problem when making payments

Complaint: I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

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 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citi double cash offered me an interest free balance transfer. 

I used the offer on XXXX XXXX for a balance transfer of {$1900.00}, transfer fee was {$59.00}. 
My purchase for that billing period was {$2300.00}. 
My statement has a balance of {$4300.00} ( including transferred balance and transfer fee ). 

I paid {$2500.00}, which is more than my purchase for the month, and cover some of the transferred balance. 

On XXXX XXXX, I received the new statement, which charged me {$16.00} as " interest on purchase '', even though as I mentioned above, I paid more than my purchase for last billing cycle. 

I called Citi and they said they will credit my interest back. However, They can not tell me where the problem was and why they fraudulently charged interest on the balance from " no interest balance transfer ''.

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 11-02-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: Without any notice to me, Chase reinserted in a bill for the account period ending on XXXX XXXX a charge I incurred on XXXX XXXX and disputed ( acknowledged by Chase ) on XXXX XXXX. When I called today to inquire, I learned that Chase refuses to investigate or chargeback a XXXX dollars charge I incurred to retrieve my car from a XXXX company that had illegally booted it on a Saturday afternoon. ( I have signage pictures and other evidence of the illegality - note that I am not disputing the {$8.00} charge I paid to the parking lot on my Chase card for all day parking ). In talking to Chase representatives, they made various misstatements : 1 Chase has investigated and " the services were provided '' ; 2 Chase is a government regulated institution and can not dispute the 'merchant '' ; 3 Chase has no responsibility for the business practices of the " merchant '' if it is not the processor/acquirer for the acquirer XXXX even if the " merchant '' ( XXXX ) XXXX ( my hypothetical, but the equivalent of what happened ), I would be responsible for the charge if I handed over my card to the " merchant '' ( XXXX ) ; and 5 if I did n't call the police, the illegality of the charge does n't matter. 

Despite my good faith request that the tape of our conversation be preserved, Chase will destroy the tape according to its customary practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with Alliance Collection Agencies, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.

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 01/20/2017 about Payday loan () with MNE Services, Inc (IL).
Issue: Can't contact lender

Complaint: I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.

Company response to consumer: Closed with explanation