milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent letters to Transunion and XXXX on XXXX/XXXX/2017 with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

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 01/16/2017 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: To Whom It May Concern, I am filing a complaint on Fifth Third Bank regarding there was no contact to me, XXXX, who is owner of XX/XX/XXXX XXXX. Fifth Third Bank has claimed I was contacted by them regarding my vehicle loan being behind and they were going have vehicle reposed at listed phone numbers below, I was never contacted at these numbers. 

cell phone XXXX house phone XXXX work phone XXXX Fifth Third Bank Loan Number : XXXX Believe me this would have NEVER happen if I had been contacted, I am requesting this repo expunged from my credit report. The funds were immediately paid at the local Fifth Third Bank paid in full soon as I realized the delinquent payments. 

XXXX from Fifth Third spoke to my husband XXXX on Wednesday, XX/XX/XXXX approximately XXXX while I was at work. Before XXXX I was able to speak with XXXX on XXXX behalf who was stern and rude. When XXXX did finally contact me on Thursday XX/XX/XXXX at my home number I left on her voice mail approximately XXXX " after the fact '' XXXX was asking for " my '' contact phone numbers for verification, however, XXXX nor any employee from Fifth Third Bank contacting me regarding the behind payments on my XXXX XXXX XXXX. It was my husband, XXXX, who Fifth Third discussed this issue with. I then gave XXXX my cell phone XXXX, and. Fifth Third did not contact " me '' personally at any of these numbers to advise my loan was this far behind or it was scheduled for a repo. 

Fifth Third Bank was contacting my husband, XXXX, at XXXX. No one from Fifth Third Bank has ever spoken to me, XXXX, or tried to contact me regarding this schedule repo. I truly had no idea my vehicle loan was behind, the I then gave her my cell phone XXXX, house phone XXXX and work phone XXXX. Fifth Third did not contact " me '' personally to advise my loan was this far behind or it was scheduled for a repo. 

I am desperately trying to get a better paying job and can not have a repo on my credit report. Please have mercy and take this off my credit report. 

Thank you in advance for your assistance, it is greatly appreciated! 

XXXX XXXX 
XXXX, MI XXXX XXXX XXXX cell XXXX home XXXX work

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello ... I obtained this loan while attending XXXX XXXX XXXX XXXX. The initial loan amount was for {$16000.00} taken out on XX/XX/XXXX This negatively amortized loan from XXXX XXXX XXXX has to be illegal. I have made most of my payments with some deferments here and there and my total that I owe now is {$25000.00}! My balance increases with making payments every year. I filed bankruptcy in XXXX and should have been able to discharge this loan through my bankruptcy but it was denied. I could n't pay the loan terms then and I ca n't now. I have contacted XXXX 's servicer AES several times trying to modify the loan to reasonable terms and they refuse to work with me. I have made over {$12000.00} in payments yet my balance continues to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been denied twice for the XXXX XXXX XXXX XXXX Program. My servicer, FedLoan Servicing, claims I am not a " Full-Time '' employee of my employer, XXXX XXXX XXXX XXXX XXXX, in spite of the fact that my employer has twice certified I am a Full-Time Employee. Thus far, I have retained an attorney, who sent them a letter over 30 days ago, but they still have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: Have an account with American express. And had a balance of XXXX dollars and I pay my bill on time XXXX month did not receive a bill and called to pay them over the phone I gave them my card number over the phone and they said okay and gave me a confirmation number I never saw the money come out of my account so I called them and they said the number was invalid and looks like I left out a number or they did n't get all of it. I then paid the bill with right number they then said everything was fine the next month they lowered my balance from XXXX to XXXX and I called to find out why and they put me on hold everymonth I called no one gave me any help now they sent me a letter saying they are canceling the card I was never late and the most on the card was XXXX my credit is a XXXX and they just broomed me on the rug instead of taking care of a customer who gets there card closed for paying on time and paying more than the amount wanted the worst card ever.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Student loan (Private student loan) with ACS Education Services (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: We have experienced loss of income due to a critical health problems in our family We have contacted ACS on numerous occasions only to get a run a round We want interest removed and our rate lowered in order to make these payments We have always tried to make these payments but they are pushing us to financial ruin

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previously disputed this collection through CFPB and through the individual credit bureaus with no luck at getting this collection removed. The previous response from this creditor was that my complaint should n't have been sent to them. They are indeed the creditor showing on my credit report trying to collect debt that is not mine/owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a deposit a check into my account at Bank of America, the check is drawing from the same bank. That was on Saturday 1XX/XX/XXXX. Normally it is available the next buisness day except this time costumer service at Bank of America informed me on Monday the XX/XX/XXXX that it will be held till the XX/XX/XXXX and I know from the person that that paid me the check the amount was taking from his account on the XX/XX/XXXX.  Bank of America makes rules as they see fit their bottom line, their employees are useless and can not justify their time when they take a call with knowledge of any aspect of customers complaints

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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Most recently, I received a letter from Synchrony datedXX/XX/XXXX, indicating that my request for a credit line increase could not be approved and directed me to contact XXXX for further details. Alarmed, my wife immediately called your consumer service ( XXXX ) on XX/XX/XXXX and spoke with XXXX. She than transferred the call to your Fraud Dept. where she spoke with XXXX. XXXX assured her that a block would be placed on the account to prevent further activity until I called. 

I then called the following day, XX/XX/XXXX and spoke with XXXX. XXXX indicated that the account had been closed. My wife called again XX/XX/XXXX to clarify the conflicting information. She spoke with XXXX who informed her that the account was in fact on hold and not closed. She assured my wife that I would receive a letter once the investigation was complete. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX further assuring me that, In order to protect the security and privacy of [ my ] account [ Synchrony would ] not allow any further charges on the account We were SHOCKED to receive a statement with a closing date of XX/XX/XXXX which shows a balance of {$4600.00}. Further, it reflects a transaction dated XX/XX/XXXX for {$3900.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX someone get access to my bank account information in this day some make a deposit of XXXX in my account with a check of social security. The took 45 days to realize the check was fraudulent. I really do n't understand what it took so long because first my last name was spelled wrong, second it 's not my signature in the check and third I received my check tru direct deposit never a regular check I revived the second wensday of the month. My account when overdrawn in the XXXX XXXX later the bank do n't even call me or informed me about the situation. The personal i went to XXXX different sulcus also in the XXXX area bad they treat myself like a common criminal I will not recommend this bank to fellow soldiers the way they treat me. At the moment I wax dealing leaving my residence due domestic violence where I was the victim due to this problem I sleep 4 days in car. Now I have abd apartment thanks to the wounded warrior program what I 'm grateful for the help. I do n't own a bed or tv or nothing besides pans and food due the domestic violence. On top of all this deal with the personal of this bank that do n't care about the client and do n't even offer a solution to the problem really disappointed I 'm closing the account with them

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been wit h capital one for more than 5 years and I have   XXXX    cr edit card with them. in   XX/XX/XXXX   I called them to let them know about my wallet that has been stolen, the agent on the phon e told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 bu siness days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account.   Now, mind you I got back to the country on  XX/XX/XXXX , and I called  capital one because I never received the    XXXX   new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more tha n 3 s upervisors and they each told me the same thing that someone will get back with me on  XX/XX/XXXX .     Yesterday my lender called me and said that they can not continue with my V
A loan because capital one is reporting late charges and over the limit of {$820.00} dollars when your limit is {$750.00}, I 've never been late on this account I always pay my card at least week or two earlier than the due date. Capital one is   definitely out to hurt me or is it their objective to see more homeless  XXXX  veteran on  the street.  I am on the phone right now again with another supervisor by the name of  XXXX  and so far she has been the only that looks like she wants to help me so she says she 's going to do some more digging and call me back, and I 've been put on hold again for more than  30 m inutes just waiting and waiting. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau and fix the amount that they are reporting to the bureaus. thank you and shame on y ou Capital one  CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in  XX/XX/XXXX  and I might loose my future home for me and my family. thank you for a desperately wounded warrior.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

Company response to consumer: Closed with non-monetary relief