milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to you because I am desperate.. I started a loan modification with Bank of America a year ago and I was approved XXXX XXXX, 2014 for a trial period then in XXXX XXXX, 2014 I was sent a letter that they had approved me for the loan mod. BofA Sent me the loan docs and we signed and sent them back to them. According to XXXX with the post Modification department at XXXX the permanent modification was complete and uploaded to their system XXXX XXXX 2014. After that the loan was sold to XXXX XXXX XXXX and they are not telling me that I need to come up with {$32000.00} dollars to bring my loan current and that they can not find any of the loan modification paperwork i did with BofA. My wife and I really can not take this any more we feel that any minute now they are going to take our home away. Please help me or tell me how to get XXXX to understand the previous transaction with BOFA. We had already signed loan modification docs and it was approved and uploaded and now I fear we are back to step one. Just because BofA choose to conveniently sell my loan. Please Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.

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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hi there, My name is XXXX XXXX. On my credit report it shows that I do own credit card from Chase bank which is incorrect due the fact that I never open teen or have a chase bank account, clearly he seems like someone else using my identity to obtain a credit card under my name, therefore I 'm writing to agency today to decline any responsibilities regarding this matter, also asking your agency to assist me to identify who is the person that is using my name and releasing me from any responsibility related to this matter, your maximum cooperation much appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Arbor Professional Solutions, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 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: After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support  account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of my child. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

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 07-09-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with ARS National Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I made a check payment in store to the Home Depot for my Home Depot credit card on XX/XX/2015 for about {$3800.00}. The amount was deducted from my bank account the following day on XX/XX/2015. On XX/XX/XXXX I tried to use the credit card and was told the payment had not been credited and would not be credited for an additional 15 days. Therefore the company took my money and held on to it for 30 days without using towards the payment on my account or reimbursing me in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On Saturday XX/XX/2018 I went to Best Buy to pick up XXXX security cameras. While checking out the sales man asked if I would like to sign up for a Best Buy credit card and save 10 %. Since my purchase was approximately {$1600.00}, I agreed and submitted my application. With a credit score over 820 and no debt I didnt not think it was a problem until the salesman asked if I could speak to the credit agent on the phone. The agent confirmed my salary then informed me I was denied for the no fee credit card offer but that I did quality for the gold card which had an annual fee of {$59.00}. I advised the agent that I did not want the gold card but the card that gave 10 % back at time of initial purchase. I asked how it was possible that I could qualify for a more difficult card to get but be denied for a lesser card to which he had no response. I advised that this behavior was deceptive and predatory as his intent was to deny my application, which would negatively hit my credit report, unless I signed up for the card with the annual fee. As my credit is near perfect this is abusive, harrassing, aggressive and deceptive behavior. I used my XXXX XXXX card instead for the purchase. Please contact me for additional information in order to investigate.

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 05/25/2017 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 disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've never had a single late payment or derogatory mark with Chase Bank or with any bank or lender, but Chase Bank, without warning or notification, shut down all my accounts with them, and told me there 's nothing I can do about it. They approved me for four cards recently because I have a clean credit report, but decided to not only close these new accounts, but all my credit card accounts with them without allowing me to plead my case to keep my accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Consumer Loan (Title loan) with COMMUNITY CHOICE FINANCIAL, INC. (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I 'm a single father and had need some emergency funds. I had reluctantly entered into a title loan agreement last year for {$2000.00}. 
On XX/XX/XXXX I called my lender to find out when my payments would be complete. My " original '' end date was supposed to be XX/XX/XXXX and I had come to find out that the contract had been pushed back to XX/XX/XXXX!! How can any company be allowed to extort another {$3000.00} when all my payments had been made? I had been unemployed earlier in the year so there are some payments that have been late - but ALL payments had been made or caught up. No one ever notified me of this contract extension obviously setup to exploit extending this loan or take my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The offices of XXXX XXXX XXXX XXXX sold and unpaid balance to multiple collection agencies and I have to pay multiple times to protect or try to repair my credit, this resulting on lowering my credit score and limiting my abilities to obtain credit to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Arbitration

Complaint: Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation