milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.

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 06/30/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold Bank Account in XXXX XXXX, 2016 and I opened it because of a promotional sign-up bonus offer from Citibank for XXXX XXXX XXXX AAdvantage points. These were to be placed in XXXX XXXX AAdvantage account XXXX. They are charging me {$30.00} a month for this checking account. 

As a long time Citibank XXXX XXXX AAdvantage Credit card holder, I verified that I was absolutely eligible for the offer and that the promotion code and promotion was attached to my account when I spoke to customer service at phone number XXXX on XXXX/XXXX/2016. Both Citibank and I have an audio recording of this call for quality purposes. 

I completed the terms that required spending {$1000.00}. on my account 's debit card and 1 or more online bill pays for 2 consecutive months. Further, it stated that these XXXX XXXX Advantage points would be put into my account within 90 days. I did everything that was required and they have not given me my points. This is happening to hundreds if not thousands of people and Citibank is not being honest. This bad experience is making me re-examine my banking relationship with Citibank as well as my credit card relationship with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I settled XXXX CitiBank accounts with XXXX XXXX XXXX back in XXXX 2007. I attached proof of the settlement. But every time I dispute the balance on my credit report, it comes back verified. Therefore, I need this account to be deleted from my credit report for reporting inaccurate information that was clearly not verified or an investigation done. I am including a screen shot of what my credit report looks like on XXXX through 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 11-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX  XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized  and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This credit card account WAS not opened in XXXX is was opened in XXXX and the last payment and the made in XXXX. This company has brought the debt and it starting the time all over. Which is not to be done. Per Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: We 've had a Synchrony XXXX account for three years. In XXXX of 2014 we moved to XXXX and had to change our bank from a local credit union to XXXX Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our XXXX bank every month for the next year with no problems. In XXXX of this year, we got a letter saying that our XXXX payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our XXXX bank statements, we had over {$6000.00} in our bank account, and according to Synchrony, a roughly {$100.00} payment was being rejected. Bear in mind, there was no returned or rejected items showing on our checking account. We went into the Synchrony account to make sure nothing had happened to the auto-payment, and it was fine. This month, they have done it again. On the phone, they said that they started to charge our old credit union account from over a year ago, despite the fact that it was deleted from their system when we moved, updated to the new bank and charged automatically each month since then ( with the exception of the past two inexplicable months ). This is hurting our credit, no one is willing to help and reverse what they have done. 

We do n't know why, after a year of auto-payments, the credit card company suddenly changed the auto-pay to a bank account that 's been closed for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Other

Complaint: I purchased an XXXX XXXX on XXXX XXXX, XXXX with my American Express Blue Card ( No. XXXX XXXX XXXX ). It proved almost immediately defective. I shipped it back to be repaired. The company billed me {$83.00}. I disputed this claim as the product was clearly defective. American Express agreed and reversed THAT charge. However, after an airplane flight early in XXXX the product proved defective yet again. I gave up on it as XXXX XXXX refused to fix it. I filed a dispute with American Express to get my money back ( I bought another XXXX from XXXX which has worked fine for over a year now ). 

The defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: my job is wrong my address is wrong phone number wrong been marr4ie3d for XXXX years almost

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 04/20/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (VA).
Issue: Fraud or scam

Complaint: Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
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 EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed a XXXX credit card that I had opened in XX/XX/XXXX. I had no history of account problems, paid on time each month, and have a {$0.00} balance. XXXX reported the account closed, paid in full, {$0.00} balance, and paid satisfactorily, however it was shown that the account was closed at the credit grantor 's request. I contacted XXXX multiple times and they told me they had submitted a correction to Equifax multiple times to have the status corrected. This was beginning in XX/XX/XXXX. It has not been corrected by Equifax and is still listed as " closed at the credit grantor 's request. '' Despite my and XXXX 's attempts to correct this, Equifax still continues to fail to correct the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i have fraudulent names, inquiries, credit accounts, names and addresses that I have disputed and Experian XXXX and XXXX will not remove. 
please help me as I am a victim of fraud an after filing with the FTC I still can not get help from the credit reporting agencys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed