milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Contacted XXXX and Equifax in XX/XX/XXXX; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by XXXX themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again.
My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXXand Charged off inXX/XX/XXXX. The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years.
XXXX and Equifax is in violation of the 2 laws and need to be held accountable, especially since they needed to settle in XX/XX/XXXXwith 31 state attorneys on inaccurate credit reporting information on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 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: Personal information incorrect

Complaint: Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the process of trying to do a short sale on this property at XXXX XXXX XXXX XXXX, Massachusetts XXXX. I was promised {$5500.00} dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on XXXX XXXX, 2015. I never received a foreclosure from household finance corporation ll/hsbc.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with GRYPHON CORP. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 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 information incorrect

Complaint: I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my report.

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 10/22/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (NY).
Issue: Managing, opening, or closing account

Complaint: I am a recent victim of the rush card scam. I have never in my life dealt with a company that has such low regards for their customers. Not one person has contacted me yet. I have put myself in a financial burden because of the rushcard. I can eat food, let alone feed my children. Please please please I am disgusted to the XXXX power and I want to take some legal actions. I have my next check being directly deposited. So does this mean they will take my money again. What are they doing gambling with my check for their own corporate scheme. I want my money so I can cancel their services. I have been embarrassed on so many levels. This is a joke and shame that people can do this to you without America protecting the citizens of this great nation. please will someone help me or send information about how I can take this to the next legal step

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted the companies and they havent contacted me about it

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 11/15/2017 about Debt collection (Other debt) with Financial Management Solutions (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Financial Management Solutions are reporting and attempting to collect on a debt that is n't mine. I did n't have anything with XXXX XXXX XXXX XXXX ... I do n't know what it is for or how they are even reporting. I have tried to call both companies & they can not find my info. The debt is past the statute of limitations and its NOT MINE!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.

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 04-05-2017 about Debt collection (Medical) with I.C. System, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.

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 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (AK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went through the online process to get my credit reports. Ireceived the report from Experian but when I started the processto download the XXXX report, I lost connectivity with the websitewebsite. How do I access my request again. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CT).
Issue: Using a debit or ATM card

Complaint: I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I am writing on behalf of my XXXX year old deceased father, XXXX XXXX in regards to leasing a vehicle from XXXX Honda in XXXX XX/XX/XXXX. He went to the dealership alone at which time the dealership charged him {$1500.00} even though he was turning in his XXXX Honda and leasing a XXXX Honda Civic ( which I never heard of any dealership doing ). He passed on XX/XX/XXXX at which time we attempted to return the vehicle ( which is in perfect condition and only has XXXX miles since he became ill in XX/XX/XXXX ). I called the dealership, explained the circumstances and was instructed to bring the vehicle back. The first salesman we spoke to stated that the dealership would take the vehicle back " no questions asked '' under the circumstances. He contacted Honda Financial at which time they stated they would not take the vehicle back unless monies was paid to them for the return. The choices that the gave were either 1 ) buy the vehicle out or 2 ) pay an additional {$3500.00} and give up the vehicle. I believe they took advantage of a XXXX year old ( at the time of the lease ) man and are continuing to take advantage of him even after his passing. We returned to the dealership after learning the name of the salesman the following day who also stated the dealership would take the vehicle " no questions asked '' under the circumstances. After four ( 4 ) hours of dealing with the salesman, manager and Honda Financial Department, the car was again brought back to my father 's residence which is now sitting in the driveway. We would like the dealership to take the vehicle back as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My lien was released in XXXX ; however, the item is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the XXXX through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account being reported on is closed from a public sale of foreclosure on XXXX/XXXX/XXXX. Currently you are reporting that there is an outstanding balance of {$62000.00} which is inaccurate as well that a 90 day late payment was made in XXXX which is also inaccurate. I am asking that each of these be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 been speaking to  XXXX  in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in   XXXX   that was identity theft. My last conversation with   XXXX   stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water an d  one car insur ance bill. I received proof that it was received. I waited to hear back from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

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 07/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: During the time was going thru treatment for XXXX XXXX in XXXX credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to third party agency who keep renewing the age of the debt

Company response to consumer: Closed with non-monetary relief