milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX  again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.

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 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX Systems Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called Transunion to dispute inquiries that are showing on my report. they are wrong. agent at TU told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 10-11-2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Had an old hospital bill for about {$1200.00} which I could n't pay at the time. I tried to make payment arrangements with XXXX XXXX Hospital but they would n't accept other than the full amount and they forwarded the account to Grant and Weber Collection agency.
Grant and Weber first started calling my work and leaving messages with my fellow employees which was embarrassing to say the least. The balance as been increasing and is now over {$3000.00}, I submitted a dispute through the credit bureaus and the only thing this caused was yet another increase of the balance. Please note the original debt to XXXX XXXX Hospital is over 5 years old. I do n't have any of the original documents from them

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 10-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I bought an American Express Gift card to use generally and on more than one occassion XXXX has refused a return credit from a merchant. The first time this happened a merchant refunded me after I returned an item totaling over {$400.00}. XXXX did not notify that they were rejecting the refunded credit. When I tried to use the card later, it was frozen and I had to call customer service to find out what was going on. XXXX forced me to contact the merchant to request a new refund. 

Most recently, this happened again for a {$300.00} return. XXXX refused the return because the amounts didnt match. I bought an item in NY and returned it in MD, the merchant chose to refund a different sales tax amount. XXXX did not notify me that they refused the refund, and I only found out after my card was declined at the grocery store. 

I contacted XXXX, waited the long hold time for their off-shore customer service, and ended the call with no help as XXXX said I would have to contact the merchant in a couple days to request a new refund. 

XXXX has no intention of changing their policy to notify a cardmember that their expected refund has been refused. I currently have to hope that the merchant is willing to assist me in getting this resolved. 

I have also requested multiple times that XXXX send me a check for the balance of the prepaid gift card so I can avoid any more unfortunate experiences trying to use their card. They have flatly refused each time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with SOUTH CAROLINA STUDENT LOAN CORP. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: This account is still listed on my credit report after 7 years. I am requesting deletion of this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX my card was copied and used at an ATM to deposit XXXX {$500.00} checks and a withdrawal for {$200.00}. I saw these transactions the next morning on XX/XX/XXXX and immediately called because my account had been closed due to the fraudulent activity. I was told that the deposit and withdrawal had been declined and that they would reopen my account. The next morning on XX/XX/XXXX I see that the deposits had in fact bee removed but they had gone ahead and approved the {$200.00} withdrawal even though there were no funds in the account and knowing full well that the account had been compromised because it turns out that they reopened the card the day before when they deactivated my account after having spoken to me. It is now XX/XX/XXXX and my account is still in the n fatigue because they are declining my claim for fraudulent activity because " a debit card transaction can not be fraudulent ''. I was told for two weeks of daily calls that they were going to get this claim taken care of and the account credited for the {$200.00} but kept blaming their inability to do so on an " international glitch '' that was allowing me to see the credit. I have been hung up on at least a dozen times, called stupid, transferred to other departments in XXXX so I do n't understand and I can not get anybody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have purchased numerous items on my  XXXX   XXXX   XXXX   XXXX . Some items have been refunded, some delivered defective and Amazon.com has told me they will report to the company I have my  XXXX   XXXX   XXXX   XXXX  with Synchrony Bank that this is their error but they have not! I pay my Synchrony Bank  XXXX   XXXX   XXXX   XXXX  Account in full every single month timely and Synchrony Bank is not reflected that.

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 12/28/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have made my mortgage payment to DiTech on XXXX XXXX, but has still not been taken out of my account. Online DiTech site shows a payment was applied for the date I did the online payment. I 'm wondering and waiting for the payment to actually be debited from my account but also think this tactic is to get more late fees from me. DiTech has not let me know by mail if my loan modification loan was accepted or denied. I put the paperwork in XX/XX/XXXX and was told on a phone call in XX/XX/XXXX my paperwork has n't had a loan person assigned yet as I have a XXXX loan. I just need to know what 's going on other than by harassing phone calls about my late payments. Not at all happy with them and think the federal government show investigate this compsny

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Payday loan () with MNE Services, Inc (IN).
Issue: Can't contact lender

Complaint: Hello. For a few months now I have been receiving a very threatening email advising I need to pay a company by the name of US Fast Cash/ Adavance Cash XXXX a total of close to {$1000.00}. They are stating that if I do not make the payment they will take me to court. Multiple times I have replied back advising I would like a physical copy of the debt mailed to me via US mail as I am not paying a loan I never took out. I have to email them back as there is absolutely NO contact information listed in their email. The email address is XXXXXXXXXXXX which I do not believe to be valid for an organization. I will seek legal counsel if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with JPMORGAN CHASE & CO. (MT).
Issue: Application processing delay

Complaint: I applied for a credit card through Chase. They said that I needed to send proof of my date of birth which I did 3 times ( they only had it on file 2 times ). They claimed that my drivers license was " illegible '' but when I called them they said that they were able to read it but were unable to reopen my application because it had been over 30 days since I contacted them even though I had sent my driver license for the third time which they claim they never received within the 30 day time frame. I ca n't reapply for the same bonus miles because the offer expired.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon final credit check to get the clear to close for our home loan, TransUnion has reported another person 's info including name and employer onto my,  XXXX   XXXX , TransUnion credit report. There are  XXXX  collection accounts and  XXXX  open account that is 2 months past due, these accounts belong to a man named  XXXX   XXXX   XXXX  who works for  XXXX   XXXX  ( as reported on my credit report ). Upon contacting TransUnion to inquire about this I was told I had to file a police report for identity theft to get these removed. I spoke with local law enforcement and based on the situation state that a police report is not necessary because this is not identity theft but rather and error on TransUnion 's part for entering the other gentleman 's information incorrectly ( Social Security Number ) ... ..I called all the account holders and collection companies listed that were not mine to discover they did not have anything with my name on it and in fact that  XXXX   XXXX   XXXX   XXXX  little hasty and asked how I got someone else 's account number when my name is n't on the account ... .even as a joint as listed on TransUnion Report ...  XXXX  then proceeds to tell me that they have to have a police report in order to remove the wrong account. I am wanting all the negatives and collections and anything else pertaining to  XXXX   XXXX   XXXX  with last  XXXX  SSN :  XXXX  to be removed immediately ( no later than next week ) because it was TransUnion 's mistake. The last  XXXX  of my  XXXX  :  XXXX  ... .all the other numbers of the  XXXX  for both are identical except the last digit ....

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 11-06-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (OK).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I submitted a complaint regarding an incorrect late report on my credit bureau report for a XXXX 2016 payment from Hyundai Finance. They have fixed that issue but now I have the same issue for my XXXX 2016 payment on a vehicle I traded off in XXXX when I leased another car from Hyundai. Please help me get some closure and compensation for this hassle.

Company response to consumer: Closed
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court that Transunion credit report has on file. Well the Court " XXXX County Register of Deeds '' has finally responded to my letter and its 100 % clear they did not Verify anything with Transunion. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section Where I ( Circled ) the Address and Docket number, also attached is the notarized letter I wrote to the XXXX County Register of Deeds and also attached is the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies. Which means these accounts were never VERIFIED.

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I sent letters out to XXXX Transunion and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. Transunion and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

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 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: To whom it may concern : I complained to Wells Fargo Bank that I did not receive the service, amenities and destinations that I purchased from XXXX. For this reason, I was disputing the transaction. 

I have received a letter from Wells Fargo bank that my claim # XXXX has been closed. 
On XXXX XXXX, 2016 I emailed Wells Fargo as well as mailed them a letter that the letter they mailed to me stating they closed my claim must be a mistake because they are addressing different concerns in that letter, that do not pertain to my case. 
On XXXX XXXX, 2016 I called to find out if Wells Fargo received my response / concern. Also, I requested the copies of merchants response to the inquiry / my claim. Instead I received the general contract from XXXX that could be printed out from their website or if you call XXXX and ask for the general contract. I received copies from my emails that I sent to Wells Fargo and my charges. In XXXX word, nothing of what I requested. 
On XXXX XXXX, 2016 I called and asked to speak with the manager and was told that XXXX XXXX will be calling me back within 48 hours, however no one called me back. 

I believe Wells Fargo should have a protocol they follow and it was not followed in my case. I have a dispute where I am looking to get my money back and instead Wells Fargo addressing some other issues and not what I am disputing. 
Please look into my situation and address my concerns. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My address is incorrect it should beXXXX XXXX, wa XXXX

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