milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In the  Magistrate Court of   XXXX   County I entere d into a Settlement agreement which I would pay  one month  rent of {$1500.00} and forfeit my security deposit. A judgment was never entered against me. The check was cashed and appears paid and I have a copy of the canceled check. It was deposited on   XXXX   XXXX   XXXX  . Check numbe r 147, t he agreement was it was to be paid by   XXXX   XXXX   XXXX   which it was and hand delivered to the Plaintiff, dated for the sixth. He was to report to the court that it had been paid and the case would be dismissed, however, the plaintiff never reported this to the court, I found it during a review of my credit file. I have sent several letters and motions to the court to correct this error with no response or help other than they did not report it. My first letter was sent   XXXX   XXXX   XXXX  . My case number was  14-C-1886.  On the same date I filed a motion to enforce settlement, since this should have never been entered as a judgment since I paid pursuant to a settlement agreement. The court instead had the plaintiff enter a release of judgment on   XXXX   XXXX   XXXX  . This was not agreed upon. There should have never been a judgment entered or release as we reached a valid settlement agreement on   XXXX   XXXX   XXXX   for me to pay by   XXXX   XXXX   XXXX   and the case would be dismissed. This release did nothing to remove this inaccurate information from credit report. Again I sent a letter on   XXXX   XXXX   XXXX   requesting that the judgment be vacated and removed from my credit report and in the mean time to report to the agency that is was paid. I disputed the same with  XXXX  and eventually they removed it. Now it is appearing on my Equifax report that I filed a dispute with today. I have applied for a mortgage and have been approved I am in the process of purchasing a home if this fraudulent reporting and lack of the Court reporting the accurate information and removing this error of judgment on my record results in my denial of the mortgage which is set to close on   XXXX   XXXX   XXXX   I will file a lawsuit for the entire amount of the home value. This is ridiculous that I have repeatedly attempted to correct an error on the Courts behalf and they ignore me. I have all documentation of my attempts to get t his Court to re move the judgment. It is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Credit Bureaus " XXXX '' and " EXPERIAN '' have reported on my Credit File of Three ( 3 ) " Bankruptcy '' whereas it should be only one ( 1 ). I have tried to explain in details and with supporting documentation via numerous Certified Mail and / or lengthy phone calls! To date, no response from the Credit Bureaus. <P/>The extra two alleged Bankruptcy were petitions to the Court to grant permission to sell my two properties in XX/XX/XXXX and again in XX/XX/XXXX ; not as filing bankruptcy once again. I request at a minimum the Credit Bureaus to delete the items listed below due to being reporting inaccurate information : XXXX ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) b ) Filing Reference Number : XXXX dated XX/XX/XXXX (?? ) c ) Filing Reference Number :  XXXX dated XX/XX/XXXX (?? ) EXPERIAN ( as per Credit Report ) : a ) Filing Reference Number : XXXX dated XX/XX/XXXX b ) Filing Reference Number : XXXX datedXX/XX/XXXX c ) Filing Reference Number : XXXX dated 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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: have had items deleted from my report only to have them reappear by the companies reselling my information to another collection company this has gravely affected my abilities to obtain new credit and is also seen as identity theft as the companies are sharing personal information by means of selling it request and demand for any negative items reporting to immediately be deleted including credit inquiries on all XXXX major reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. ().
Issue: Customer service / Customer relations

Complaint: Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed all protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section  605B of the Fa ir 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 non-monetary relief
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (VA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX XXXX and XXXX and XXXX show me owing them money but they have refused all forms of requests fro validation that I have sent them and it is safe to assume that they probabaly dont have it right? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX, XXXX XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? Also XXXX is reporting a late date in XX/XX/XXXX that should have been removed by now.

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 10-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have XXXX checking accounts with USAA and I owed money in XXXX account and today I am locked out of all of my accounts until I pay the negative balance. The balance in my other accounts was taken out and put toward that balance all of my cards are frozen. I never received any notice that this was going to be done and now I ca n't pay my rent or car payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Billing disputes

Complaint: I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Medical) with Richard Sokoloff, Attorney At Law (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: I have a car loan with Fifth Third Bank and they do n't allow you to make payments online so I have to mail by check. I will send the mail a week before it was due and they wo n't cash it till 2 weeks later. Well this month I missed one payment and they repossessed my car. And I already sent the payment that I missed and the current one this month. They now want to charge me XXXX in repo fees and the XXXX payments will go towards that and I will still owe my payment for this month on top of the towing and storage fees. I just do n't understand how the repo fees are this much when my late monthly payment is XXXX. I hear a lot of the same problems with people having their car repossessed when they made payments they just posted them late. And when I called them they did n't tell me about the repo fees and were fine with me paying the payment that was late and the current payment then when my husband called they said we owed XXXX. On top of that they did n't contact us at all and they said they sent a letter in the mail but we never gotten it. If we knew this was happening we would have done expedite shipping right away

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX residing in the above mentioned address with my wife and XXXX children. I write to complain the treatment that my mortgage company is giving me. I have my mortgage with Chase home finance and my account number is XXXX. The phone number is XXXX. Last year I had XXXX and I was in and out of the hospital for more than six months without working. At the same time I lost my younger brother who was helping financially. Also I have XXXX of my children in college, XXXX in high school and the last XXXX in elementary school. My wife works XXXX day in a week XXXX. I requested for mortgage assistance and they denied me modification instead, they offered me a plan that was higher than my monthly payment, but I did not take it because I could n't afford it. Since this year I have lost XXXX of my sisters and my wife is still working XXXX day a week as XXXX I applied for another assistant again and they denied me without a specific reason. They transferred my mortgage to another Chase branch that wrote me and told me that I would not participate in any Chase Assistant Program. I really want to keep my house with my family, if they can offer me a reasonable modification because of my hardship at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi, XXXX people in our household opened up citi checking accounts with a {$400.00} checking account bonus. The promo code was XXXX. We have met all of the requirements and it has been over 2 months since we have met the requirements and no bonus has been put in our accounts. Every time I call in to ask about the bonus they bring up different excuses : we will escalate this to a supervisor, we will investigate, you need to send in XXXX forms, etc.. Citibank has been stonewalling hundreds of customers on this bonus ( I have read of hundreds of others who are having the same problem ).

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 04-07-2015 about Credit card () with U.S. BANCORP (OR).
Issue: Rewards

Complaint: I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: For months now my credit has been ruined by a collection effort from XXXX XXXX and Pinnacle. XXXX after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current XXXX account opened XXXX/XXXX/14 so it 's baffeling how it could be a collection account. Both XXXX and XXXX have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business.

Company response to consumer: Closed
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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