milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 2016   XXXX   XXXX  fo r Target Stores, is claiming  I owe but I paid them in full

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (TN).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
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: XX/XX/XXXX, I placed two online orders. # XXXX # XXXX. Delivery notification provided XX/XX/XXXX however when I returned home that evening nothing was deposited at my front door. Immediately I reached out to Customer Care who apologized and said the delivery would be investigated and a replacement order would be forthcoming. XX/XX/XXXX, I received an email that my replacement would arrive in 2-3 days. When the replacement order arrived, I was surprised to find it incorrect. Once again, I contacted Customer Care who advised me to return the order in full to a Bloomingdale 's location near me. 
The very next day I took the merchandise to Bloomingdales XXXX XXXX, CA store. XXXX XXXX, Handbag Manager assisted me with my return. I was advised to leave the merchandise with her and the return would be processed however as merchandise is not from her store she would not be able to provide me with a receipt for my returns. I asked XXXX XXXX if the merchandise would be credited before my payment would be due and I was assured it would be no problem at all. 
My current bill is past due with late fees charged after I spent over an hour on the telephone XX/XX/XXXX with XXXX, supervisor on duty explaining the horrific situation. Not to mention my surprise when it appeared my replacement order was never returned! Since I have received notice the merchandise has been returned however I'm still being billed with interest charges. 
The past 3 weeks or so Ive had repeated phone calls from Bloomingdale 's Credit Department even though I sent a hard copy letter with documents to them on XX/XX/XXXX. 
I have found that Bloomingdale 's has zero accountability for mistakes made within their company. 
Further to their incompetence, I received a letter stating my credit limit was being reduced due to lack of payment. Absolutely incorrect once again.

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 07/17/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I called XXXX today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent Equifax hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit. 

Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from Equifax, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see XXXX offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Promotional Balances on  Lowes Consume r Credit Card  Promotional b alances ( same as cash as long as paid within promotional payment period ) are being paid first before normal purchase balances. I have complained about this numerous times. I do not have the dates of the complaints. On each occasion I was informed that there was an error on their part and that an adjustment would be made and the amount would be applied to normal purchases instead of the promotional balance. This has been on going for many months. I have been told that it is a system error each time however even after I call none of my balances have been adjusted as they said they would be. When I call back and they tell me it could take as much as two to  three  billing cycles. It has been far more than that and still no resolution. This seems like a predatory way for the credit card company to charge finance charges to unsuspecting clients. If  one  is not monitoring how the payment is being applied then it is sure to cause unnecessary finance charges to appear on their bill.

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 11-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Pinebrook Holdings, LLC (VA).
Issue: Struggling to pay your loan

Complaint: I did a payday loan a few years ago ( 2 ) I believe. I was in a financial bind and I was desperate. I did not want to be homeless. The loan I believe was for XXXX. I did not have the money to pay it back at that time. I got a call last year ( XX/XX/XXXX ) about they were going to take me to court and I was going to be a convicted felon and lose my XXXX. I was going to try and sacrifice and pay it but something did not feel right. I did not pay it. 
I get a email today XXXX/XXXX/XXXX saying that they are coming to arrest me and I am going to lose my XXXX and they are going to take my money and I am going to be a convicted felon. I am scared but I know that it is illegal for them to do what they are doing. So my question is what can i do? I am willing to pay XXXX a month but that is all that i can pay. I am XXXX and I dont want to be homeless. I have XXXX and so I need help on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 07/27/2016 about Debt collection (Credit card) with Platinum Holdings Group, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I continue to get calls from XXXX with Premium Asset Services in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NH).
Issue: Managing the loan or lease

Complaint: I have an auto loan with USAA. The funds are electronically transferred from my account with XXXX to USAA. This was done for the last required payment on XX/XX/2017. I received a letter in the mail from USAA on XX/XX/2017. I immediately checked with XXXX and reviewed my statements which showed the car payment had come out of my account and been transferred to USAA. I called USAA and they checked and it had not been posted to any of my other accounts. They requested XXXX fax them a copy of my statement showing the deduction from my account and the transfer form. XXXX did that the same evening, XX/XX/XXXX. I was told initially it would take XXXX business days to rectify the situation. It is now XXXX, XXXX days later and no resolution. I just got my email statement showing no resolution and that a late charge has been applied. I have had XXXX auto loans with USAA and never missed a payment. I also have a credit card and have never missed a payment. This is an in-house problem for USAA. My car payment should have been immediately credited to my account based on documentation XXXX provided, while USAA straightened out its own internal mess. I will not get an auto loan with them again based on this experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to place a freeze on my credit with Experian. Made numerous attempts on their web site and phone. Placed on hold for long periods of time only to be transferred and then hung up on. Ultimately the freeze did not happen. Their only other option to initiate the freeze is to send a lot of my personal information through the mail which if in the wrong hands will only expose my identity to more risk. The other agencies made it easy to place freezes.

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 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have not applied or have applied for any loans since XXXX i tried to correct this last month with XXXX and transunion transunion failed to invesgaite to the fact this account dated back to 2005 it is the same with XXXX transunion file # XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX coast XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXhave not opened any accounts since 2005 when i lost my home and everything it looks like they sell debt to a different company and take that date iftransunion done there job they would have seen this instead they are bias and dont go by the law XXXX included

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 04-06-2017 about Payday loan () with Midwest Recovery Systems (PA).
Issue: Can't contact lender

Complaint: Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

XXXX and XXXX has already placed the security freeze and int the process of complying of my requests. XXXX and Experian are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. XXXX and Experian will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/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 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I have been a Citi credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I called Citi at XXXX to request a replacement credit card due to the chip not working with my current card. They indicated they would mail the replacement card via US mail. Over a week went by without receiving the card, so I called Citi back on XX/XX/XXXX. The Citi representative indicated that he  would overnight a new replacement card at no charge to me. For some unknown reason, the Citi representative ordered two replacement cards to be sent via XXXX trackable overnight shipping. On XX/XX/XXXX, I received notification from XXXX that the cards had been delivered to my home and " left at front door ''. I checked my front door, and the neither XXXX package was there. I contacted both Citi and XXXX and spent a good part of my day concerned that my card ( s ) had been lost/stolen. I asked Citi to report my card as lost/stolen and overnight a new card to me with a new account number, and require my signature from XXXX since the previous two cards had apparently been lost/stolen. The Citi representative refused to require my signature. Later that day, I found out that the cards had been delivered to the wrong address. On XX/XX/XXXX, I noticed a {$6.00} " expedited card service charge '' on my transaction history that was assessed on XX/XX/XXXX. I called Citi and spoke with XXXX / XXXX and explained the situation and asked that she refund this {$6.00} charge. She indicated that she needed to perform an " investigation ''. I asked to speak with her manager, XXXX, who apologized and indicated that XXXX could have refunded the {$6.00}, but that he would take care of it on XX/XX/XXXX, following my statement end date of XX/XX/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