milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
<P/>
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have called Equifax consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Equifax but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. 

I have tried to explain to the Equifax representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. 

I tried calling XXXX XXXX XXXXXXXX myself but I have not been able to have them help me because this account has information that does not match mine. Equifax continues to report this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY ().
Issue: Managing, opening, or closing account

Complaint: I have a Wells Fargo credit card, and when I canceled it, they told me that they cant give me the money that Ive paid. I have to wait 45 days.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.

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 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Paypal credit. Account number XXXX XXXX XXXX XXXX in the name of XXXX XXXX, the interest is {XXXX} dollars for the amount of {XXXX}, during the month of XX/XX/17. I consider that the increase is exaggeratedly high, for this reason my complaint. I need your help to get my money back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with AMERICA'S CAR-MART, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: UPON INVESTIGATION, IT HAS COME TO MY ATTENTION SEVERAL LISTED BELOW DEBT COLLECTORS HAVE REPORTED NEGATIVE ACCOUNTS ON MY CREDIT REPORT ALL WHILE NOT BEING LICENSED IN THE STATE OF TEXAS NOR COVERED BY A BOND TO DO SO LISTED BELOW ARE THE CREDITORS CAUSING HARM TO MY CREDIT REPORT WITHOUT ACCURATE RIGHT TO DO SO : XXXX XXXX XXXX ( TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with Certified Services, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have debt collection on my credit report from CERTIFIED SERVICES worth {$500.00} which I am not responsible for due to the fact that I was involve in an incident where I was the victim and needed medical attention back in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Bank of America - long time customer and small business owner with multiple accounts XX/XX/XXXX -  Went to local branch to notify them my father who I held joint accounts with passed away on XX/XX/XXXX and I wanted to start the process to take his name off joint accounts and also cash in two CDs he had and move the money into my personal account. <P/>It is now almost three months later and still not handled after MULTIPLE visits to the local branch, multiple phone calls, multiple faxes, multiple mailings of same documentation over and over again. <P/>I am the Executrix of the will. The will has been probated in the state of New Jersey. I have Short Certificates which have been given to the bank indicating the will was probated and I am the authorized representative of the estate. By the way, there is minimal amounts of money involved. <P/>XX/XX/XXXX - received a call today from the Estate department that they want a copy of the will. I refused because it is none of their business and they have the probated will documents with official raised seals from the State of New Jersey.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.       XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX    XXXX - XX/XX/XXXX    XXXX -   XX/XX/XXXX  and  XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX - XX/XX/XXXX  WFDS- XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Finance  XXXX    XXXX   XX/XX/XXXX   XX/XX/XXXX  Bank  XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union   XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union

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 08/20/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (NY).
Issue: Problem when making payments

Complaint: Refer to my complaint number XXXX. 

Reason I am sending this contact, and I ca n't determine what my password is so did not contact using that, is that Lending Club will utilize the delay, caused by their refusal to take my payments and insistence that we essentially set up a dishonest representation for their record as to call in payments being purportedly efforts by them to collect on a debt when they are in fact efforts by me to make regular monthly payments, as an excuse to bill me a late fee. So this delay caused by them is to enable them to bill a late fee. Please keep that in mind in addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS IS A FOLLOWUP TO CFPB CASE # XXXX. XXXX XXXX XXXX reduced my credit limit without my request and against my desire. They claimed this was because of under-use of credit. UNDER-USE OF CREDIT IS STRONGLY RECOMMENDED BY ALL FINANCIAL PROFESSIONALS AND GOVERNMENT AGENCIES. Capital One refused to change the credit back to its prior level. CAPITAL ONE FALSELY INFORMED THE CFPB THAT THIS WAS SIMPLY A BUSINESS DECISION. That is demonstrably untrue. Please see line 4 of attached document " XXXX, '' where Capital One clearly states that what was done was NOT a " business decision '' but was a ***DENIAL OF CREDIT. *** This DENIAL OF CREDIT -- which negatively affects my credit score -- was done WITHOUT MY REQUEST AND EVEN THOUGH I HAD NOT APPLIED FOR ADDITIONAL CREDIT. Thus, Capital One made a FALSE REPORT TO THE CREDIT AGENCIES AND ALSO TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Payday loan () with CASHCALL, INC. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The bank lied on their last response. I asked repeatedly for access to my online account so that I can make payments to the delinquent XXXX XXXX XXXX  account. They say in writing in their last response that they took an offset out of my checking to bring my account current, and they did, but they never gave me access to my online account. They also say that if I make a payment and bring my account current, they will give me access to my online account in question so that I can make payments. You can see this for yourself in their response. They contradicted themselves in this response. I want to be refunded all the late fees they took, and I want the account put back online so that I can make payments to it.

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 05/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Credit determination

Complaint: the day XXXX/XXXX/2015 day refused to open a blast paypal credit for reprting sequences and temporary system error and not providieron news for you aplication the number reference No XXXX

Company response to consumer: Closed with explanation