milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

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 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks

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 03/29/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.

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 02/21/2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a phone call that was from this company telling me to call them. They used a type of technology to spoof a number so as to make the call appear to come from someone else. The caller ID said XXXX XXXX, The message told me to call a company named Dynamic Recovery Solutions. I do not return phone calls like this and all communication must be done in writing via USPS. Not making a written claim is a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect 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 11/28/2017 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: I contacted Transunion and XXXX about incorrect items on my credit report XX/XX/XXXX certified mail. I disputed collection accounts on my credit report, alias l, updating name and addresses and inquiries on my credit report. I received a letter from Transunion 2 weeks later around XX/XX/XXXX that stated my permission was not needed for companies to run my credit and place hard inquiries on my credit report and I had to contact the companies. I tried to call them around XX/XX/XXXX to once again advise that there was unauthorized inquiries they were reporting XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
On XX/XX/XXXX I received an updated letter from Transunion that showed some items removed but other accounts it stated dispute not specific ; verified and updated. However Transunion failed to send my validation from the creditors reporting negatively on my credit report. Such as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX # XXXX # XXXX. I have not received any documentation with my signature or a contract showing I entered into a contract with these companies.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Delinquent account

Complaint: I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Suntrust Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made Suntrust bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with Suntrust Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted Suntrust bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent.
XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact Suntrust Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless Suntrust Bank tells them not to.
Both Suntrust Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting.
Account Number XXXX Routing 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a problem with the way the credit bureau agencies calculated my credit report. Specifically I pay a monthly fee to keep track of my credit report with www.freecredit report.com which is related to Experian. I used to have an overall credit score of XXXX since XX/XX/XXXX ( above XXXX since XX/XX/XXXX ) I used to have a car loan for a car leasing that was set to expire on XX/XX/XXXX. The last installment was paid off on XX/XX/XXXX. Before the term of the expiration on XX/XX/XXXX, I got another car, leased with the same company. The problem was that last week on XX/XX/XXXX my credit score went down to XXXX ( 40 points less ) I called Experian and they explained that since I had paid off the leasing, the formula they use penalized me because I seem like a higher risk since I have not an auto/home installment loan in my report. I explained that In fact I ''traded ' my old car for a new one and that there is in fact a car loan in place. Since it was not in their system I had to call the car agency and after some research they apologized and said that for some reason the new leasing was not reported to the credit bureaus. They reported it and on Monday XX/XX/XXXX it showed up on my report with a bump of 5 points to XXXX. I called again on XX/XX/XXXX to Experian complaining that why would I be penalized 35 points in total since the only thing that happened was that I traded one car for another and that in fact basically the same amount of monthly payments was due. Again they said that there is nothing they could do, that I had to wait 24 months for my score to get back to where it was. They suggested that I call XXXX which is the national foundation for credit counseling. I called the XXXX and explained the problem. A counselor suggested that the only thing he could think off was to call the CFBP. I did and the person suggested that I could always file a complaint online. I decided that I was wrongfully drastically penalized in my credit score for no logical reason. The calculated credit score is harmful to me specifically since I may be requiring a home mortgage loan soon. So in the end I am filling this complaint in order to correct this unfair credit calculation.

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 05/19/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.

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 05/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Other transaction problem

Complaint: case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX

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