milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove some accounts from my credit 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 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,

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 02-12-2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Direct Recovery left a message on my cell phone stating I had ignored their attempts to collect on a debt. Their phone number is XXXX and occurred on XX/XX/2018 at approximately XXXXXXXX XXXX. I keep my bills paid and suspect the caller to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: I have multiple American Express cards which earn me membership points. Yesterday as of XXXX XXXX I had XXXX points, today I have only XXXX points. XXXX points have been deducted from my account today without any justification or explanation. 

Despite removing these points, additional XXXX points are also not available for use. Earlier also Amex had erroneously not allotted me points and later after a complaint to CFPB had released those points.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This is a formal complaint against Equifax for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.

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 02/24/2016 about Debt collection (Medical) with Brennan & Clark, Ltd., LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Please be advised that all Responses can or will be use in a Federal Court. 
1. I Disputed everything on my Equifax Consumer report XX/XX/2017- XX/XX/2017. 
2. XXXX Disputes exact I have n't received I responses yet today is XX/XX/2017. 
3. I Demand everything negative to be removed immediately. And as you can see on the attachments the investigation was way past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Non-federal student loan) with GREAT LAKES (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX  Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

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 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: On XX/XX/XXXX I opened a new credit card account ( ending in XXXX ) with Sears Citi Credit card. The reason for opening the account was essentially taking advantage of special promotional offer of 0 % interest for 18 months. My opening balance was {$4600.00}, which was the purchase amount of refrigerator, washer and dryer. At the time of opening I was only told that i can carry a balance for interest free for 18 months from XX/XX/XXXX to XX/XX/XXXX. I would like to stress the point that I was not given a chance to read through the contract as it was all shown on a small screen/ credit card swipe machine. Now from what was conveyed to me verbally, I or any reasonable person would infer the you can hold a balance of any amount upto the credit limit for a duration of 18 months interest free. Relying on this information I used this credit card to made more purchases which brought up my balance to roughly {$6000.00}. Now i was expecting that i can carry this amount interest free till XX/XX/XXXX however sometimes later Sears credit card started charging me interest of the amount greater than the opening balance of {$4600.00}. What i felt was that i 've been con as well as being given wrong information about my credit card interest fee/charges and made a material difference in decision making. If i knew that only the opening amount/balance is interest free and not any amount exceeding it then i would n't have used this card to make purchases and should have used my other credit cards to balance the expenses interest free. This make me think that if i was a victim of this wicked trickiness then there must be many who fell for the same cheating promotional 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 monetary relief
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed with this company before. My credit report is showing a collection for XXXX XXXX XXXX XXXX. I have never stayed there. Im asking them to provide a signed lease or any other documents showing the XXXX XXXX XXXX with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.

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 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (KY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am writing to your agency in hopes you can help me with my disputes. I opened a claim on  XXXX / XXXX /  XXXX   for the charge of {$2500.00} from   XXXX   XXXX   made on  XXXX / XXXX /  XXXX   on my  XXXX  credit card and I still didnt hear from them on what happened with that. Please help me find out what was the outcome. I opened a dispute because I paid for a service that I did not receive.   XXXX   XXXX   contacted me offering me online services, I could never get any help from them or get a straight answer on what to do after they showed me some videos. I could not comprehend what was in front of me, and they did not answer any of my questions. And I dont know what happened with my  XXXX  claim. Thank you for your help.

Company response to consumer: Closed with explanation