milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Customer service / Customer relations

Complaint: The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
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: THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/XXXX I filed a dispute with TransUnion asking them to remove the credit line item for XXXX XXXX, due to incorrect information being reported.  I asked that Transunion contact the creditor for validation and I do not believe that they followed the law or my request in doing so, because they did not remove the item, even though the information being reported is clearly a conflict.  XXXX XXXX states that my last payment was made XX/XX/XXXX, however, the account has a pay status that says ">Account Included in Bankruptcy< XX/XX/XXXX"  Please help me understand how a payment was received in XXXX for an item that was included in a bankruptcy from TWO YEARS prior??? I'm uploading a screenshot of the item on my TransUnion Online Update Profile that was sent to me XX/XX/XXXX in response to my dispute 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 12-08-2017 about Debt collection (Other debt) with BCA Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is  the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX continue to collect and list XXXX different collection accounts on my credit report which are not mine.Theere is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Since XXXX XXXX, 2015 I have been a victim of identity theft. I have subsequently over XXXX fraudulent disputed just this year alone. I also have approximately ( XXXX ) disputed still outstanding and awaiting for the response. through out this process, I have had a very difficult time with regards to conflicting information from both the Equifax Fraud department as well as their Office of Consumer Affairs. As of Wednesday, XXXX XXXX, I reached out to the Equifax Executive office to ask for help with all of the inaccurate information, due to Equifax 's ' own negligence particularly with the Office of Consumer Affairs, ( contact dealing with my case XXXX ), that I felt I needed help from someone with the autonomy that could actually right the blatant disregard exhibited by Equifax to date regarding my credit file. As of today, I have been dealing with XXXX XXXX XXXX ( Office of Executive Consumer Affairs ) to whom has now reinserted an account that was previously disputed as fraud in XXXX 2015 and subsequently deleted permanently from my file on XXXX XXXX, 2015. Since XXXX XXXX has taken over my investigation, she has made numerous acts that clearly violate the FCRA. The most recent of which has now reported on my credit file as of today, XXXX account XXXX XXXX XXXX XXXX. This is just XXXX example of her negligence. This is a violation that needs to be addressed immediately. I have attached a copy of the credit report that shows the deletion of this account ( Confirmation # : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result

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 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). 
I never had an account with XXXX AND I NEVER lived at the service address listed!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have been trying for years to get Transunion to correct errors on my credit report, mainly the reporting of my student loans as having late payments. These loan were not late. They were in approved forbearance. Despite my sending proof of the forbearance they somehow continue to come back as reporting accurately. I do not think Transunion actually investigated some of my claims. I reached out to the loan servicer and I was sent more documentation that the loans were in forebearance and they directed me to the credit bureaus for further disputes ( will upload letter stating this fact from XXXX XXXX. ) I also had the same problem with a loan from XXXX XXXX. I was told that I had a forbearance while the loans were being consolidated and I somehow still managed to have a late payment report. This was so distressing to me that I actually wrote to my state Senator who forwarded my request to the XXXX XXXX XXXX XXXX. I received another letter directing me to dispute with the credit reporting agencies ( will upload letter from Senator. ) At this point who is supposed to fix this?? The student loan companies change so much and buy and sell that they have horrible record keeping. I gave up on this fight for a while until recently because I was just tired. But now I 'm thinking why should I suffer for something I have n't done? I 'm just curious as to how Transunion and other companies investigate. According to Transunion I have had a fraud watch on my account since XX/XX/XXXX orXX/XX/XXXX due to my ex obtaining credit in my name. There is even a XXXX XXXX charge off that I have requested full validation but it keeps coming back as verified with Transunion, although the information did not match with the other two major reporting agencies and was deleted. I am sending every piece of documentation that I have. I am also sending a report from XXXX stating that addresses listed on my report were coming up as businesses and there is a variation of my social security number and it isnt even close to my actual XXXX. I have made some credit mistakes in the past but I have paid my creditors and now these are the only things that remain deliquent on my Transunion report which is why I wanted to address it. Pleas help me get Transunion to report accurate and verified information on my report and remove the things that are erroneous. 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.

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 06-07-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient has made numerous phone calls to my place of employment. I have asked them on XXXX occasions to remove my employer 's number from their records and to not contact me there as it will jeopardize my employment. I also informed them of my rights under the Fair Credit reporting act and they initially, each time, agreed to remove the work number. I AGAIN received a call today at work. This continued harassment is jeopardizing my employment and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This item is wrong and inaccurately reported on my report for a while now under different names, first started as XXXX XXXX XXXX, and now it 's listed as XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX XXXX XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : collection agency : XXXX original Lender : XXXX XXXX XXXX balance : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company has failed to provide proper notice of alleged debt prior to reporting the information to the credit bureaus. The company has intentionally changed the opening and delinquency dates of the alleged debt to cause maximum damage to my credit report. The company has also willfully inflated the amount due of the alleged debt. The company is reporting a debt that may ha ve been the result of unauthorized usage.     I am the CEO of an investment conglomerate and am in the process of an important merger. I need my credit report clear of inaccurate information in order to qualify for appropriate loans. The inaccuracies presented by the company are hindering my ability to earn a living. For every week the inaccurate information appears on my report costs me $  XXXX .     It is for these reasons I need to receive documentation to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Credit card () with CITIBANK, N.A. (VT).
Issue: Billing statement

Complaint: I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i told citi bank many times in many ways my tenant defaulted. 
and damaged the house. 
i have aXXXX history with this bank as far as my payment history. 
i have no idea why someone went to my house to inspect the house. and now i have a fee. I will not pay for that nor was there a reason to go to my home to inspect it. i was in communication with this bank as to the exceptional circumstnaces. there is so much red tape they have insisted on credit reporting and this. which means no more business with them. i am enraged. not poaying these fees when at no time was i told about this or was such a visit needed to my home

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