milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

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 05/26/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX TransUnion Consumer Solutions, XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX CHARGE OFF XXXX/TU XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX and XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 03-11-2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (PA).
Issue: Managing, opening, or closing account

Complaint: Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Sychrony Bank has bought 4 of my credit cards. They have systematically gone through and dropped my credit card balance on each making my card maxed out, which they were not. On most I did n't even have half the amount of my available balance charged. This lowered my credit score time and again. I have been going through and closing accounts to prevent this from happening further. Because they had negatively affected my score with all the balance drops it helped not hurt me.Usually that is a bad practice but when you have a 5k credit card they drop to 4k, then you pay {$1500.00} to make your balance half of your available balance and they drop it again to {$1400.00} to look like your maxing out your cards, closing them is the only way to keep the limit consistent.Unfortunately they have caused my score to drop over 100 points. As I have been rebuilding my credit they are now attacking my 2 last cards. They just charged me {$880.00} in interest charges in 1 month, which they increased my interest on that card and have now shown me {$400.00} over my credit limit although, I have n't made a purchase since XXXX 2016 and have never been late on a payment. This again has dropped my credit score by 40 points, limited my ability to get credit. I have proof of all of this. It is predatory in nature and I want to sue them for damages. I just reached out to a consumer protection agency and am contacting an attorney. It 's sad these bank do this, many times it people who are rebuilding or with fair to good credit as we are the easy targets. They continue these practices to jack up interest charges and get higher fees. It is also Why they purchase multiple cards. I had a long standing credit history with Old Navy, Lowes, TJX ( Marshalls/TJ Maxx ) and XXXX XXXX. The 1st 3 with no late payments and nearly 10 years history.

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 08/21/2015 about Debt collection (Medical) with Capio Partners, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I filed for divorced two year ago and my estranged husband knows my information created an Equifax without my knowledge or constant. Equifax never asked me or let me know anything. I just found out yesterday when I wanted to check my credit on Equifax and tried to make an account. It said an account was already made and it was his relative 's email address that was registered. Equifax would n't disclose the credit card number or name on the person who ordered. I am upset that anyone can pretend to be me and order my credit report without me ever finding out. I called all the credit agencies and put it on lock and fraud alert. I went to the police station and made a report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Well I never lived in XXXX florida I 've live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XX/XX/XXXX to year XX/XX/XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and I continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
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 non-monetary relief
Consumer complaint received 11-07-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a loan with Wells Fargo, they are reporting it 30 days late, when they kept rejecting the payment from the bank. The account I have, has no check, so I am forced to pay it electronic. When I called them they told they have no clue whats going on. I finally paid it over the phone, but they still reported it 30 - days late. Their lack of communication and assistance was horrible. In addition their web site was of no help. It does not work half the time and they give you incomplete information. They do not seem to understand how to help on the phone with these issues. Even my bank XXXX advised me that they should be able to take the payment and they were of no help to their Bill Pay Department. Instead they try to force you to pay the amount over the phone and incur a fee.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
<P/>
Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
<P/>
I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
<P/>
I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
<P/>
I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
<P/>
Thank You, 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 monetary relief
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I have had a Bluebird reloadable card from American Express for years. On XX/XX/2017 {$250.00} was loaded onto this card. The receipt showed a new balance that did not agree with my records. When I viewed my account transactions there was a purchase for {$120.00} from XXXX. I had no record of this purchase so I phoned AmEx to ask if they could see what the purchase was for. They were unable to say what was purchased and I told them I was unwilling to make a fraud report before I could verify that perhaps it was a purchase I failed to log. They gave me the phone # of XXXX. XXXX told me what was purchased and I knew that I had not placed that order. They asked for my address and said that was the billing address but the order had a shipping address in XXXX, Delaware. They said they were going to investigate and told me to contact Bluebird AmEx to make a report. I immediately did so. I was told I would receive a new card by mail and within 10 days they would finish their investigation and inform me of my refund if approved. This email referred to my account ending in XXXX. Two days later I received two emails from Bluebird AmEx in reference to account ending in XXXX. The first said their investigation determined the purchase to be authorized and therefore not eligible for credit. The second said they noticed activity on account XXXX that was in violation of the Bluebird Member Agreement, section XXXX. They locked my account and suspended my privileges. I never had an account ending in XXXX. When I called them to dispute this they were unable to tell me what XXXX was and no information was available because my account was locked. American Express is supposed to be the company that protects it 's cardholders from fraud. I reported this claim 2-3 days after the fraudulent purchase was made. My husband subsequently received an email from Bluebird stating that someone had fraudulently tried to use his card at an ATM. My husband is in possession of his one and only card and made no such attempt. They are sending him a new card. What is going on? Someone has obviously obtained account information on the two of us. Why have I lost my privileges? How could Bluebird 's investigation have concluded that the fraudulent purchase was authorized when it was not?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.

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