milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXX-acct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX  with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXX-acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Auto) with Jonathan Neil & Associates, Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Calling during work hours after stating that Im not allowed to accept personal calls during working hours. I 've given hours that he can call but does not call durning these times. Due to these issues I have had delays in payment. The collector will now not accept a months payment, saying that he does n't have time for the process unless I have previous months payment.

Company response to consumer: Closed
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my XXXX report, but the accounts have been labeled collections/charge off. XXXX and XXXX have yet to make any changed. I called the XXXX XXXX XXXX and they informed me that they told the bureaus to remove the accounts. So I called XXXX regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what XXXX is saying. Both the credit bureau and XXXX  are telling me to speak with the other.

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 02/28/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: I was several months behind on my mortgage. I applied for a loss mitigation only to be denied. I received my federal income tax return on XX/XX/XXXX. First thing I did was call loancare llc to pay my past due to bring my account current. I gave the representative my correct Bank checking account number and routing number to Make a one time payment to bring it current. Loan care then proceeded to take this payment out of another checking account I had on file with them not the one I gave them access to which in return sent the account they charged into the negative. I have called 6 times to try to resolve the issue in which I received the same answer each time that they would have to review the call and will call me right back and I have yet to hear from anyone.

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 04-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This company takes peoples escrow and does not pay the taxes or insurance. This is stealing. They need to be investigated. They are profiting off people by means of fees, extra payments. They send out statements after theyre due then charge the homeowner with a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.

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 06/29/2017 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: On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (I do not know) with GC Services Limited Partnership (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.

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 05/23/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a Macys ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from Macys ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from Macys ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from Macy 's and it is still showing on my credit report. Thank you in advance.

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 monetary relief
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with DISCOVER BANK (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to Contact Bank of America over a dozen times regarding my previous account. I never received a final bill or collection notice until they placed this on my credit report back in XXXX. I sent a check back in XXXX XXXX and paid the amount in full. I asked them to remove this from my report no response. They continue to place this on my credit report as FP ( Failed to Pay ). They will not respond via email or phone call. 
They have placed this on my account for past year and half Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Secured Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance - {$500.00}

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 monetary relief
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by   XXXX     XXXX   XXXX ,    2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by  XXXX   XXXX   XXXX , 2017  XXXX , FL  XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX  )  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 11/30/2016 about Debt collection (Credit card) with Sentry Credit, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Sentry credit inc has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the XXXX that had unauthorized charges and XXXX has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do

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