milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (SD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX I called the Customer service : XXXX of The Bank of America. The person on the phone introduced herself as XXXX from Alabama. I requested to her the closing of my checking account XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email verifying the closing of the account. But as of today ( 10 days after my call ) I have not received yet the check with the balance of my account at closing ( {$360.00} ) I called them again 3 days ago and asked for an update and they said that the check is in the mail and it 's their company 's policy to take so long ( up to 10 business days ).

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 Debt collection (Credit card debt) with USI Solutions Inc. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Want USI, XXXX XXXX to stop harassing. Debt to XXXX XXXX of XXXX from XXXX2008 to stop. In over 25 calls just now got their address. Threatened that complaint has been made. They said they are bonded in TX but could not find them on XXXX site. This is beyond RD 4 year statute of limitations. They are calling family members and their family members

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 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient unresponsive to written requests.. overcharges, payments not recorded correctly.. loan consolidations twice then told they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: Still waiting to received a " CERTIFIED '' copy of true original Heloc Agreement. Copy needs to be the full size and not a reduced image size and mailed to my address as well as a copy sent to the CFPA.

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 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07/31/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: paid citibank account in full, payment process and reflected a zero balance, payment did not process, automatic payment was cancelled by citicards, they blamed me, did not contact me. we had a natural disaster the same month and I did not follow my payment as it had never not processed before. Payed account off during the next month after the natural disaster. balance is zero, credit history is excellent. 

did not cancel my credit card due to the affect on my 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 non-monetary relief
Consumer complaint received 04/26/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Transaction issue

Complaint: I placed an order with Amazon.com on XX/XX/XXXX for approximately {$200.00}. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over {$140.00}. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named XXXX said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I explained that this has never happened before and I routinely place orders with Amazon that are over {$200.00}, and sometimes over {$600.00}, as you will see that I currently have promotions for 6 months to 1 year. When I continued to question as to why there was a hold on my account, she asked me to wait while she removed the hold. She came back to the line and said not to worry, as she 'd removed the hold, but she either could not or would not provide definitive explanation as to the reason there was a hold on the 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with XXXX XXXX directly on several occasions regarding this issue and I continue to get the runaround. XXXX XXXX has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that XXXX XXXX XXXX XXXX is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact XXXX to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is XXXX repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point XXXX is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( XXXX ) XXXX ( XXXX ) XXXX information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am asking that these XXXX negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.

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 07-07-2016 about Mortgage (FHA mortgage) with Common Wealth Mortgage Services (TX).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, my mortgage is due on the XXXX of each month but I have a grace period of to the XXXX of the month. Intercap Lending Inc has me late on my credit report which is affecting me from being able to refinance with the company I wish to. In XXXX 2016 I had a hardship and my church paid my mortgage and the check cleared on XXXX XXXX. I have also never been 30 days past due for them to place this on my credit report. I believe this is in retaliation because I advise them to take my ex-husband off my deed and when doing so they stated I would have to refinance. Although I told them my divorce decree shows that I have been rewarded my home they stated that I would have to refinance. I am asking that they remove all negative late marks on my credit report immediately so I can refinance with another company. If they are stating that I have been past due over 30 days they should also be able to supply proof in which they received payment from me and my payments cleared.

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 04/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I entered into the bank on an afternoon leaving town. I did multiple legitimate transactions and left the bank. I received a call the next day when I was traveling that the teller claimed to have given me XXXX too much. Not true and I left with what I though he owed me in an envelop. When the week came I not iced that not only had the teller cashed a check through my account without warning but that they took XXXX out of my savings robbing me of XXXX dollars. I am now XXXX negative that I ca n't afford to pay and my credit and account at risk. This is such a violation of bank laws and tactics Wells Fargo Should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with NAFCO Finance (OR).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: XX/XX/XXXX I purchased a used XXXX XXXX XXXX. This was my FIRST time financing a car or buying from a dealer. There was no Buyers Guide in the window or on the car when I got to my appointment to test drive. I purchased an extended warranty through XXXX XXXX XXXX. Because the dealership was closing I came back XXXX XXXX to sign the papers. XXXX XXXX in the finance department told me that the original loan I was approved for the night before would work because when running my credit XXXX XXXX approved me based on my FICA score & the company then checked my transunion and equifax scores that morning & they would n't loan me the money anymore, so I had to go through NAFCO for high risk loan which increased my interest rate and monthly payment. XXXX told me " the nice thing about this loan is you can split your payment into 2 payments, so its not such a huge chunk ''. NAFCO said " No you cant. The dealership should n't have told me that. The terms of the loan was not up to them '' On XX/XX/XXXX I contacted XXXX XXXX XXXX to see if something was covered. I asked the rep. if I could return the warranty due to I thought it covered more things and had not used it. I felt it was a waste of money. The rep said " yes, I needed go down to the dealer that you bought from & they could process it '' In the first week of XX/XX/XXXX I spoke with XXXX telling him I wanted to cancel and get refunded to my loan. He looked my file up and says " Your warranty was cancelled already '' & had me sign the papers no copy was given to me. XXXX counted the weeks and said " it takes about 4-6 weeks to process through XX/XX/XXXX if its not showing on your loan call me '' I tried several times to reach XXXX by phone & not one time did he return my calls. XX/XX/XXXX I had an oil change done by XXXX XXXX XXXX saw XXXX telling him the refund was not showing on my loan. XXXX responded " I was waiting on you to give me the mileage so I could process it. '' I expressed that I had not been aware he needed the mileage due to when I signed papers in XX/XX/XXXX my car was available for him to check the mileage. XXXX said " yea I do. I will send that off and it should show in 2 weeks. '' XX/XX/XXXX I called XXXX, he wasnt in and did not get back to me. XX/XX/XXXX I called XXXX XXXX XXXX and was informed that my warranty was showing ACTIVE. I called XXXX again and he was not in. I drove to the dealership and spoke with XXXX explaining what has gone on & he was able to help me. I was informed that the amount of $ refunded to my loan was less then I paid due to {$50.00} cancel fee and the warranty had " depreciation factor '' losing the value monthly and by mileage. I asked XXXX if $ came out of XXXX commissions he got for the sale of the car? He said " yes '' XXXX lied to me and I believe purposely did not file the papers so he wouldnt have so much come out of his pocket

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is reporting a tax lien from the XXXX of Georgia in error. The XXXX of Georgia shows I do not have a tax debt listed with them. The TransUnion report shows a lien placed in 2007, however I did not live in Georgia that year. I filed a complaint that the lien was placed in error but TransUnion said it was validated without offering any proof as to how they validated with the XXXX of Georgia in a few days investigation. The Georgia revenue office says they do not validate debts with credit bureaus and do not report anything to credit reporting agencies. I would like this public record removed from 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 explanation
Consumer complaint received 10/23/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: I tried using XXXX internet but because of my location it did not work well. I canceled within the 30 day time frame. They are still charging me {$430.00} for non-returned equipment that was returned within the required time. I did not authorize this charge. At the initial phone order they " required '' a credit card for {$60.00} hold fee that she said would not be charged. I disputed the {$430.00} and now while that is disputed they charged me again for {$150.00}. I asked Citi bank to not accept any charges from them and explained it is NOT authorized.

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 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

Company response to consumer: Closed with explanation