milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I pulled a copy of my credit report and the address listed for XXXX XXXX is incorrect. The address that was listed was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. A certified letter was sent to that address and it was returned to me as Undeliverable as addressed. I notified that credit bureau and requested this entry be deleted from my credit report due to inaccurate reporting. I pulled another copy of my credit report on XXXX/XXXX/2016 and the credit bureau just changed the address on my credit report.

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 08/14/2017 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: Public record information inaccurate

Complaint: Experian is currently reporting a bankruptcy on my credit file that 's does not belong to me. I 've never lived at the address also was told by an agent at XXXX that someone with a similar name as me probably was the reason that they attached it to me. Anywho they 've deleted it from my credit filed and so have the other bureaus can you please look into this. When contacted Experian this guy stated that he had a direct contact at the bankruptcy courts to verify that the bankruptcy belongs to me. I 've reached out to the courts and they stated that " that 's a lie that they do n't verify anything with the credit bureaus ''. They also sent me written confirmation as well. Please see attachments.

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 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (RI).
Issue: Fraud or scam

Complaint: I am a rushcard consumer and my balance says XXXX I had direct deposit to this card. My lights and gas were disconnected because the day I was supposed to pay it my money went missing. I have been sending them messages, calling, and tweeting them to no avail. I need my money. How am I supposed to live. I call and get hung up on. Or they tell me that they are doing the best that they can. I have a child to take care of. XXXX rep told me that my money is safe with them so do n't worry. If anyone could help it would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XXXX/XXXX/2016, I mailed a debt validation letter to Online Collections in regards to a alleged debt with XXXX XXXX XXXX Account # XXXX that I DO NOT OWE! Online Collections failed to verify the debt, refused to answer the stipulated question in my debt validation letter and in return, mailed me a XXXX-page single line statement that list the name of the doctor and a charge of {$77.00}, THIS IS NOT A VALIDATION OF THE ALLEGED DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my Equifax report dated XXXX XXXX, XXXX. The third and fourth page is from XXXX dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX-XXXXShow Details XXXX XXXX/XXXX/2007 {$11000.00} XXXX/XXXX/2015 {$11000.00} CHARGE-OFF is reporting this XXXX on credit report. I have disputed many times and have called to have removed. They continue to report this as a duplicate which is preventing me from obtaining credit for as the false reporting is lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: XXXX XXXX signed up for automatic payments on XXXX XXXX, XXXX, to have the minimum amount due paid by the monthly billing statement due date to be taken from his checking accounts. Boa dishonors this promise. XXXX sought compel boa to honor this automatic deduction or forfeit fee.

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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that t he Collection Agency & Creditor hav e also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but  may  file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  of  2016. He nce, if the creditor had indeed fulfilled its obligations under Florida Statutes to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my  USPS  change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.

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 03-11-2016 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 a pending transaction came through my account in the amount of {$700.00} which put me in a negative status. So while this transaction was pending at XXXX XXXX XXXX XXXX, 2016 a deposit came through which put my account to a positive balance. So the {$700.00} transaction posted on XXXX XXXX, 2016 which still left me with a positive balance. But they charge me a NSF fee, but I still had a positive balance but I was also confused. So I called the bank to see why I was charged a NSF fee when the deposit came in before the {$700.00} transaction posted. They said that it was because I did n't have the money in my account at the time that it pending transaction posted. Again I was confused and I thought that this was unfair because my deposit came through before the {$700.00} transaction posted. So I 'm really not sure what to do at this point. Now I have to pay the bank {$36.00} and then pay my rent office {$130.00} that I do not have. The way they have my transaction posted now is not how they had it on XXXX XXXX, 2016. I also called the bank on XXXX XXXX, 2016 and I asked them about the {$36.00} fee because the {$700.00} transaction had already posted. He kept saying that because of the way my transaction came through that 's why I was charged a {$36.00} fee. Again I still did n't understand.I explained to The bank that what I see they should see. But they said that 's not how it works although we see that everything 's all right on the account that is not how they see it on their end. I do n't think that 's fair at all because it seems like that 's how they make their money by charging fees when clearly it was n't necessary. When I spoke to someone on XXXX XXXX they said that my account was OK and that the {$700.00} ACH debit transaction was paid. So that means on XXXX XXXX, 2016 everything was fine except for the {$36.00} fee. But then I wake up on XXXX XXXX, 2016 and I see something totally different on my account. They 've already return the check to the my rent office and now I have to pay all these extra fees. This really upsets me and I do n't want to do business with someone who makes their money by charging fees.. So from this day forward I will be gathering up all my information so that I can change banks immediately. The whole process should take about a month but it 's got to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Medical debt) with Commercial Acceptance Company (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with JPMORGAN CHASE & CO. (OK).
Issue: Other

Complaint: I went to XXXX to purchase tires. I made several attempts to complete the purchase with my Chase SW Visa Rewards Credit Card which shows online as having proper credit balance and current status is ok. Each time the card was declined. I called XXXX and they said the issue was with Chase Bank. I called Chase Bank and they said there was a fraud hold on the card. I asked why. They could n't tell me. They put a hold on the card without telling me and caused me to spend over an hour trying to figure out. This is a breach of the cardholder agreement and just plain wrong. They are dishonest. If they are going to restrict use of the card with new online merchants they should notify the consumer prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with DISCOVER BANK (NC).
Issue: Rewards

Complaint: I applied and was approved for discover credit card XX/XX/2015. XX/XX/2015 Discover started a double cash back bonus promotion. Basically at your one year card anniversary the dollar amount of cash back bonus that you have earned would be doubled by Discover. So at my one year anniversary I noticed my cash back did n't double. I called Discover and asked about it They said that all card members were notified by email or by mail XX/XX/2015 giving them the chance to opt in to the promotion. I never received notification. Why would anyone turn down the chance to double the cash back? Why did n't Discover just enroll all of its eligible customers?

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brian P. Mickles, PLLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Advertising and marketing

Complaint: I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief