milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
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: This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA XXXX such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the XXXX  payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX  XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor

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 09/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is the worst mortgage company out there. Incompetent customer service have managed to XXXX my account up for 4 months. Can not accomplish a simple task and I typically have trouble understanding them. Ridiculous! I am refinancing with my credit union just so that I do n't have to deal with them. Nothing good to say about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Credit Plus Inc (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX points when completing requirement of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying the requirements, ( which I fulfilled on XXXX/XXXX/16 ) the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as satisfying the requirements however now they are refusing to fulfill my points

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 09/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Billing disputes

Complaint: I have a Bank of America Credit card which was compromised. I contacted Bank of America on or around XX/XX/2016 and informed them of all the unauthorized transactions. Bank of America has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Bank of America has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.

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 08-04-2015 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (RI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with KEYCORP (UT).
Issue: Deposits and withdrawals

Complaint: My Bank ( Key Bank ) gave money to a person claiming to be me at the teller window. They said the transaction was " authenticated '' ( Bank Speak for had Proper Documentation?? ). When I discovered the error I asked for my money back. However, they were not willing to return it. The amount in question is {$940.00} ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Consumer Loan (Vehicle loan) with Presto Auto Loans, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Investigation took more than 30 days

Complaint: My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.

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 05-04-2015 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call.

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