milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( MACYS # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ... I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount. When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that XXXX and Equifax have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 Debt collection (Medical) with Commercial Acceptance Company (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was from an auto accident XX/XX/2010. I sustained injuries and the XXXX XXXX was called. I could not leave with the XXXX at that time because I was making arrangements for my totaled car and speaking to police. In PA we have the no fault law that medical bills due to any auto accident are submitted to your auto insurance carrier until the benefits are exhausted, then to your medical insurance. My auto insurance, XXXX XXXX, paid the allowable {$80.00} of the {$100.00} bill. The {$20.00} that was not paid should have been written off or submitted to my medical insurance. I spoke to the XXXX XXXX personnel several times and they told me they would correct the error ... .over 5 years later and still on my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We are having issues because our mortgage was sold from XXXX to LoanCare and we are unable to get an answer from LoanCare on how to access home repair escrow funds. 

On XX/XX/XXXX we incurred a loss to our fence, not the home structure, and as XXXX does we filed a claim with our homeowner 's insurance and were issued a check to complete repairs. Because the repairs were over a certain amount our original mortgage company, XXXX, held the funds in escrow until the repairs are complete. XX/XX/XXXX/XX/XX/XXXX the mortgage was sold from XXXX to LoanCare. As of today, XX/XX/XXXX, are unable to get a straight answer from LoanCare on how to access home repair escrow funds. 

I have called multiple times and waited hours on hold to speak to an agent. Out of the XXXX agents from LoanCare that I have been able to speak to on the phone, I have received XXXX different answers on how to proceed. I have asked for a letter outlining the procedure but as of today, XX/XX/XXXX, still have not received such letter. 

Compounding this issue is that we have until XX/XX/XXXX to complete repairs or the monies will be returned to the homeowner 's insurance. At this point we are unable to continue with the repair as the remainder of the money is in escrow and I can get no clear guidance on how to proceed with the claim. 

My husband and I are responsible homeowners who pay our mortgage and maintain our home, but our family can not afford to incur the cost of having the fence repaired due to a lack of customer care and respect on the part of LoanCare Mortgage. 

Please contact me at XXXX regarding 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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: The bank sent me an email stating they had detected " no card present '' fraudulent activity on my account via my new chip technology ATM/Debit card, which I very seldom use, and that they had declined the transactions until receiving verification from me as to whether the transactions had been attempted by me, or someone else 's. Please see attached. When I replied it was not me, a customer service representative called me immediately and instructed me to destroy the card, which I did. The representative proceeded to tell me they were opening an investigation and would issue temporary credit to my account, but they later told me they were denying the claim for fraudulent activity and would not be reimbursing the monies. I closed my account yesterday, after having been on the phone at the branch, because the branch manager told me there was nothing they could do at the branch, and that, like me, the only recourse they had was to go through the Claims Department, which only handles everything via telephone. PLEASE HELP. Chase is stealing approximately {$700.00} from me, saying that since I have an on-line account, I should have noticed the fraudulent activity and reported it immediately, and that I should call the authorities if I was n't happy with Chase Claims Department 'd decision to not reimburse me. 
XXXX XXXX XXXX - Cell XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers in der section 6.11.As a result, I have been gravely affected by this with my score suffering as a result of the glitch. No notice was given which is a violation and I am requesting that All inquiries listed be removed. 
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 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: trans union report a acct not mine on XX/XX/2016 shows a XXXX add, did not live there

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 08-12-2016 about Payday loan () with BlueChip Financial (DC).
Issue: Charged fees or interest I didn't expect

Complaint: I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: " XXXX XXXX " claims to be a supervisor for XXXX XXXX XXXX, he claims to work for the " Pre- litigation He threatened that if I did n't pay {$3000.00} within 10 days they were going to take me to court and file a civil lawsuit. So when I called this a scam, and asked for Proof in writing? he refused to give me my debt notification in writing, and said that I have till XXXX tomorrow to call him to agree to pay or else face a civil law suit. He said they are n't obligated to notify me if a debt that I owe, he said that 's my responsibility. He was rude and threatening and talking loud over me the whole time. He would n't let me speak with a supervisor.

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 07-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (CA).
Issue: Received a loan you didn't apply for

Complaint: I received a billing statement ( XX/XX/2017 ) about a loan that was taken out in my name. The company is " Majestic Lake Financial ''. The letter insinuated that the company had been corresponding with me but I had never even heard of this company until the statement was opened. Curiously, the bill was lacking an amount owed, requesting me to call for a billing amount. I called the company ( XX/XX/2017 ) and the representative ( XXXX ) informed me that a loan had indeed been taken out in my name in XXXX of 2017, no exact date. I called back later that day to get more details about the loan and was uncomfortable with the line of questioning. The person on the phone was asking me personal questions such as birthdate, SSN. I refused to give my SSN. I pulled a credit report ( XX/XX/2017 ) and " Majestic Lake Financial '' does not appear anywhere on my credit, no inquiries or listed open/closed account. As of ( XX/XX/2017 ) I have filed a police report at my local police station.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: On XX/XX/XXXX, Experian refused to unlock my security freeze so that I could apply for a large boat loan. I had tried to get them to temporarily release a security freeze that I had placed on my credit report due to a previous problem. I used both telephone and internet methods to obtain the temporary release, but was unsuccessful due to problems on Experian 's end. As a direct result, I was unable to secure a loan from the bank offering the lowest interest rate, and I was forced to take the loan at a 3 % APR higher rate than was necessary. 

On XX/XX/XXXX, I wrote Experian a letter explaining all the details of my problem, and demanded that they inform me what piece of personal information they had in their database that caused my requests ( phone and internet ) to be refused. This letter is available to CFPB and will be attached below. I never received any response to the questions raised in my letter. Instead, under date of XX/XX/XXXX, I was provided with a standard form which contained a temporary personal identification number that my bank could use to obtain a copy of my credit report. Unfortunately, this information was about two months too late, as I had already closed on a loan ( at a higher interest rate ) and purchased the boat in question. Experian has not disclosed to me what piece ( s ) of information caused my request for a temporary release to be declined. Thus, I would encounter the same problem again when I may need a loan.

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 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.

Company response to consumer: Closed with explanation