milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 got a credit alert from several of my monitoring companies for a credit card that I do have from   XXXX   XXXX  . It was a   XXXX   MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with Transunion. That 's the only report it 's on. The other  XXXX  Bureaus show no latenesses. Transunion claimed the information was verified. I ca n't dispute again.

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 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has reported XXXX collections on my credit report that do not belong to me. I have contacted them via certified mail so that they will comply with federal laws and disclose information about the alleged accounts but they have ignored my request. 

XXXX never notified me or sent me any type of notice regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: I called into the citi credit card call center on XXXX XXXX to see if I could get a late fee could be waived. The customer representative agreed and said the fee will be waived. After that, I immediately paid the remaining outstanding balance apart from the late fee. But the late fee was never waived. Since I do not use this card, I did not check this card balance until the statement date in XX/XX/XXXX. That 's when I found that there was still an outstanding balance of {$25.00} and that I was slapped another {$25.00} fee. 
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.

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 06/20/2017 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: Equifax and XXXX XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Received a trial modification payment plan to begin on the XXXX of XXXX for 3 months. The payments would be XXXX, XXXX and XXXX. Once I processed the final trial payment to pay on the XXXX of XXXX I called. BofA talked with XXXX call center staff and both informed me I would just continue in XXXX XXXX period and there would be no change to my loan. Other then my loan would be extended 10 years. No change in interest rate, no change in the amount of the loan, just that my loan would have a additional 10 years. I missed 3 payments during my husband 's emergency XXXX XXXX. BofA is now placing 10 years to my loan for missing 3 months of payments. The only modification that i have received is 10 additional years to my loan. Made numerous calls to XXXX XXXX at XXXX. With no return call.

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 01/19/2018 about Credit card or prepaid card (Government benefit card) with Comerica (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a problem with Equifax for over 20 years reporting the incorrect information on my credit file. Today,    XXXX   XXXX   XXXX  , I  applied for a loan with my credit union and my score is  XXXX . Equifax has accounts that I have paid in full and on time listed in bankruptcy when they where never included in the bankruptcy. They are reporting accounts I never had and have disputed over and over, they remove them and send be a letter. The next year I pull my report, Equifax has put the accounts back on my report, so I have to file a dispute again. I do n't know what to do, Equifax is used by most banks and if they are constantly reporting the incorrect Score and information on my report it is causing me to be denied or pay a higher interest rate. This is unfair to me. You ca n't call them or speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX medical bills on transunion and XXXX progressive accounts all in collections that were ALL removed and now they are back on my report. I do n't owe progressive anything and I have medicade so the medical bills should have been billed to medicade not me. Also transunion and XXXX do not show all of my good accounts and refuse to add them. XXXX has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with XXXX and transunion to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VT).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.

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 01/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a XXXX XXXX through XXXX XXXX. My Loal Store closed XX/XX/18 I have cash back due in XX/XX/XXXX and they send a check good only in the store. The nearest store is now 2 Hours away and they say they can not send a regular check?

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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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 am submitting my second complaint through CFPB for the removal of a released tax lien on my report. The first response I received said it simply updated the status to " released '' and it still violates the new NCAP rule. I have submitted a dispute through Equifax and have not been able to retrieve the results but am certain that it has not been resolved to my or NCAP 's rules as it has not been removed from the report. 
I sent the following documents to Equifax for my dispute with them earlier in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX  I received a reply from Chase Bank in regards to my complaint. They stated they would not correct or take further action towards my account. However, they stated as a form of a accommodation they will request from credit reporters to delete lines. I want to request that  Chase  does not delete my positive history and indicate that the account was paid in full and is in good standing, closed. If deleted, I want it to be indicated that I am had made all payments and it was a positive debt or report of accounts. I do not want it to be deleted as poor standing etc.See previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Managing the loan or lease

Complaint: I got a tittle loan with 800 loan mart for {$2500.00} on a Volvo xc70. After making timely payments est of {$250.00} a month for 4 months, i inform loanmart that i would renounce my interests and give them the car, that was XX/XX/2012. Loanmart picked up the car and auctioned it off. They sent me a settlement offer of {$650.00} XX/XX/XXXX and i refused. they wrote the car off as a chargeoff. In subsequent years they would annually send me a settlement request, each time the amount would increase because of the outrageous interest fees, that apparently, still compounded. loanmart has been erroneously reporting my account to XXXX and XXXX. They now show my balance in the excess of {$7000.00}! 

They are using this exorbant fee to try and ruin my credit by showing that my credit utilization is way passed XXXX %. This is a form of extortion

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Using a debit or ATM card

Complaint: Bank of America issued me a new Debit Card about XX/XX/2017. This change required me to contact all auto-pays with my new updated Account No. to prevent interruption of payments. 

On XX/XX/2017 BOA gave my new Bank Account No. without notifying me, without my authorization, to a service I do not use and allowed them to withdrawal money in the amount of {$29.00}. I saw this charge on my bank statement and called BOA concerned for my banking security and safety. 
BOA immediately credited the money back to my account and told me they would block the company. 
They blamed XXXX as it 's LOGO is on my card. They later blamed it on being a recurring charge, which it was not. 
I have several recurring charges and had to contact each one with my new card account number weeks earlier to prevent routine recurring charges from being declined due to my new account number. BOA refuses any responsibility for giving out my private banking information. BOA gave no guarantee for my future security of my banking information. 
We discussed & agreed to, 'not ' blocking my bank card as it was new and would create unnecessary inconvenience for me since BOA already blocked the company. 
BOA went ahead and stopped my Bank Card without notifying me. All calls are recorded and I requested they hear the recording ( XX/XX/2017 at XXXX ) as now they are accusing me of stopping my Bank Card. 
From the {$29.00} charge to my account it is evident that stopping one 's Bank Card adds NO extra security prevent fraudulent charges. 
SUMMATION : 1. ) BOA with no authorization or notification gave an unknown company my secured bank account information that incurred the expense to my account. 2. ) BOA out of spite stopped my Bank Card.

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 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation