milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In response to my prior CFPB complaints against Equifax XXXX & XXXX I disputed XXXX judgments on my credit report. These judgments were part of the XXXX vs Equifax Information Services LLC Case No. XXXX XXXX settlement. In this settlement Judge XXXX has ordered Equifax to remove and delete all judgments from Virginia XXXX Court that are present on settlement members credit file. Equifax has refused to remove these from my file not once, but XXXX times.Today I spoke with the lawyers and counsel regarding this at XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Email contact XXXXXXXXXXXX and they have advised me that Equifax has until XXXX XXXX to delete these files of the main settlement members. My claim id is XXXX which Equifax does have in possession as they have activated my free monitoring for 4 years, which was also court ordered for settlement members. My dispute is they are not conducting proper investigations because if they did they would have seen this settlement and the requirements necessary to comply with the court order against them. I am reattaching the summary of benefits that I am due because of the settlement in which referenced the inaccurate reporting of judgments, in my case my judgments were paid off in XXXX and XXXX. Equifax failed to update their status as paid and for 4 years I have suffered at the unpaid judgments listed when they had been paid. Equifax corrected this on XXXX XXXX, XXXX to paid and satisfied, thus admitting they reported incorrectly against me for years. However they have ignored the court order to delete these which apparently they may be waiting to delete all members at once, however the layers said me providing court documents and my claim id is enough for them to delete them all completely as they will have to have completed in XXXX anyways. I am attaching their investigation where they realized their mistake and changed my status to satisfied 4 years later. I see no issue why they ca n't delete these permanently as required under settlement details. They activated my membership for credit monitoring so they are very aware I am part of this settlement. I want these XXXX judgments erased immediately they have damaged my credit worthiness incorrectly for many years. I attached my summary, court order, dispute results changing the status and the refusal to delete when they are going to have to do it anyways but they did not investigate into this settlement accurately I provided the lawyers contact above.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CORP XXXX XXXX XXXX years in business Headquarters XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CORP or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CORP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 32907

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.

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 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: 5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Schachter Portnoy, L.L.C. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to 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 07/21/2016 about Credit reporting () with Debt Recovery Solutions, LLC (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.

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 10/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Since XX/XX/XXXX I have persistently been in disputes with XXXX, TransUnion, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.

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 11-07-2017 about Debt collection (I do not know) with Midwest Recovery Systems (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Rewards

Complaint: I received a marketing promotion in XXXX stating I would received 10 % back in rewards on all purchase made in XXXX using my Best Buy XXXX. I validated that it was for all purchases prior to making the decision to use my card. In XXXX I conctacted the number on my card to advise I had n't received the rewards earned. I spoke to someone in the esclation team who confirmed the promotion had been sent and was for any purchase made on my card. He advised those rewards would go on my account when my XXXX cycle cut and noted on my account that we had spoke and what he had advised me. After my XXXX cycle cut the rewards were still not on my account I contacted Best Buy XXXX again and they confirmed that I should have received the points and transfered me to Best Buy rewards. Best Buy rewards continue to tell me the promortion was not going on and that I am do no points. There marketing is very miss leading and deceptive clearly the promotion went out as I have received confimration of this, but there is a huge disconnect between Citi Bank and their co-brand partner who issues the rewards. I have made in total XXXX phone calls and XXXX emails trying to resolve this directly with them prior to escalating to you. I 've been a long time customer who is close to closing my account due to the poor experience I 'm having. I am only asking to be given the missing {$100.00} in rewards that I am due for spending over {$1200.00} in the month of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied fo r the American Express Blue Cash Everyday credit card. After 60 seconds my application was denied. I called into American Express for a reconsideration. After an additional 3 days of review my credit application was denied again. The reason for being denied was bankruptcy. On the rejection letter they cited   XXXX   as their credit information source for their decision. I logged onto my   XXXX    account that I use for continuous credit monitoring and looked on each line item on the report and looked on the public records tab and there is not a bankruptcy listed anywhere on my credit report ; therefore, I want to know how American Express is citing " bankruptcy '' as their reason for denial. I have excellent payment history and I have a good credit score.

Company response to consumer: Closed with explanation