milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with Consolidated Recovery Group, LLC (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED BANK OF AMERICA ; I was assured by Bank Of America my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Bank of America that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY BANK OF AMERICA CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquire which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion was called and told that my payment with my loan were on time and never late once. Now they have changed it to all late and every payment late. I spoke with my bank and they said it 's transunion because they called and told them all payments were on time. And not XXXX payment was late. I think something is wrong with transunion because they made my moms credit drop and changed all her payments to late as well. Then when I called to complain I was told I would have to pay them XXXX to have my correct credit score. One agent told me that they saw it was reported wrong another agent said they could n't see I told and then another agent said that when I pay the XXXX it 's a different report and score than what 's online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The account was deleted by Equifax And XXXX because is from 2006 And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently was put on as an authorized user for Synchrony Bank/Care Credit. I am not the owner of the account my significant other is. I did not give them my social security number. When I went online with XXXX XXXX I noticed that they informed me that my debt to income ratio was high. After looking into this I found out that Synchrony Bank is reporting this on MY credit bureaus. It has a note with it that I am the authorized user. But it is still affecting me. When I called them they said this is how they do it and refused to take it off. I filed a dispute with XXXX XXXX and they removed it. However I do not know how to file a complaint with XXXX or XXXX. I do not feel like I should have to do anything since XXXX is the problem. Remember I am not the owner of the account. And how did they get my Social Security number? I thought this was illegal if there is no application for credit. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: It 's been an ongoing problem with my bank Wells Fargo for a long time, the very selective way they have cleared charges just to asses another overdraft, assessing an overdraft because of an XXXX XXXX charge it is crazy! We are 7 days into XX/XX/XXXXand I have already been assessed 5 overdrafts it 's an impossible thing to overcome I fee like a hamster running on a wheel and getting no where, anytime I call any of their people they have very little remorse they are n't concerned that over the past year or two they have stolen many hundreds of dollars from me in overdraft fees

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to XXXX as well as Experian. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for XXXX and Experian. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.

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 03/13/2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions. 

I have had trouble in the past with them not applying my payment to the account. 
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay. 

Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.

I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed. 

I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet. 

Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried reaching out to XXXX, EQUIFAX and XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have called Transunion and told them that my name was spelled incorrect. And the information attached to it was incorrect and they informed me that they can not and will not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases.  I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back.  When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%.  I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify  for Citibank that they are EXCLUSIVELY a children's home furnishing store.  They also have a website that confirms this:  XXXX  My purchase definitely qualifies for the cash credit.  I contacted Citibank again, and customer service has no interest in verifying any of the facts.  They just simply denied my cash back.  I could have used another card that maybe gave back less, but no tricks involved.  There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying.   I could have had money back from other credit card companies and not use Citibank in the first place.  They owe me money as far as I am concerned.  I have been a Citi customer for YEARS and paid my bills on time.  I expect to be treated with respect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
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 purchased a new vehicle with Bank of America being the lien holder of title. I made my 1st payment in XXXX, XXXX I get a statement showing I owed for a payment they accepted I called Bank of America spoke with several customer service reps, Managers until finally I called XXXX XXXX news, who made contact with social media XXXX, contact number of XXXX, extention XXXX. I explained to XXXX since the beginning of XXXX XXXX I have spoken to 3 managers until XXXX was notified, I informed him I faxed proof of 3 payments of XXXX and I never missed a payment and Bank of America has placed a DELINQUENT ACCOUNT to my credit score, with all three credit Bureau 's. XXXX advised he would investigate the issue and I explained in detail who I spoke to, how many times and was informed it was an error on their part. However never corrected my credit score. 
XXXX XXXX, XXXX I received a letter from Bank of America stating the error was corrected and where sorry for any inconvience the caused. Friday XXXX XXXX XXXX XXXX from Bank of America called advising they will have my XXXX XXXX corrected remove any derogatory comments and will contact me to follow up on Thursday XXXX XXXX, XXXX. 

Well I checked my credit score and nothing was changed, still showing DELINQUENT on all 3 credit Bureau 's. I did file a complaint with XXXX case # XXXX. 

I will attach the letter and documents showing Bank of America was in error and has done nothing but make false promises. 

I am requesting Bank of America to correct my credit score to the way it was prior to there era of having computer issues and causing undue stress and causing problems to have a chance of refinance our mortgage, I request a full written apology and to act upon this forthwith Since XXXX XXXX, I have spoken to customer service rep XXXX, XXXX, and XXXX, who removed the XXXX dollar late fees, along with speaking with Manager XXXX XXXX, Manager XXXX, and given a reference number XXXX, promising they would correct my account since they caused this issue ruining my credit history and on XXXX XXXX, XXXX I spoke with a XXXX XXXX who promised he would have a Manager contact me, which never occurred. In addition I already received a letter of admitting the era with no one having any knowledge. 

I spent 2 to 3 days a week trying to get this resolved since beginning of XXXX being on hold, speaking to numerous employee 's, Mangers, etc, with no positive results but a letter and false promises

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 06/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PORTFOLIO RECOVERY AGRESSIVELY AND IN A VERY INSULTING MATTER ATTEMPTING TO COLLECT ON THE DEBT THAT I DO NOT OWE. I HAVE PAID THIS ACCOUNT OFF WITH XXXX BEFORE IT WENT INTO COLLECTIONS HOWEVER THEY ARE ATTEMPTING TO COLLECT, DISREGARDING MY NUMEROUS REQUESTS TO VALIDATE THIS ACCOUNT AND PROVING TO ME THAT THEY HAVE THE RIGHT PERSON AND RIGHT ACCOUNT. I KEEP GETTING AUTO/COMPUTER GENERATED LETTERS ONE AFTER ANOTHER, CALLS AND INAPPROPRIATE LANGUAGE IS BEING USED. I HAVE SENT THEM PROOF OF PAYMENT OF THIS ACCOUNT TO XXXX WHICH WAS IGNORED, AND I SENT THEM CEASE AND DESIST REQUEST TWICE WHICH WAS ALSO INGNORED. THIS IS UNACCEPTABLE AND MUST BE STOPPED

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 Experian Information Solutions Inc. (NC).
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 noticed that you have not deleted these hard inquiries from my Experian credit report dated XX/XX/XXXX. Based on the evidence in my possession, I am, requesting that Experian removes the mentioned hard inquiry from my credit report upon receipt of this complaint to avoid further damages to my credit report. I have attached to this complaint authorization letter from XXXX XXXX XXXX. giving permission to Experian to delete these hard inquires. I have recently mailed this correspondence to Experian dated XX/XX/XXXX and I have not yet received the results of deletion 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 04/26/2016 about Consumer Loan (Vehicle loan) with CORELOGIC INC (NH).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent

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 04/25/2017 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: Old information reappears or never goes away

Complaint: Equifax refuses to take a very old closed account off my credit report. The account was last reported in  XXXX  11 years ago.     Account Details Last Reported Creditor Name   XXXX   XXXX     XXXX  Account Type Account Status   XXXX   Opened Date  XXXX   XXXX ,  XXXX  Closed Date   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Monthly Payment --   XXXX   XXXX   XXXX     Balance {$600.00} Highest Balance {$10000.00} Payment Status  XXXX    XXXX   Payment Status -- Date of Last Payment -- Amount Past Due {$600.00} Times  XXXX / XXXX / XXXX  Days Late  XXXX  Remarks --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Have a lot of Hard Inquires on my credit report. which I don't know about. 
XXXX 5 times on report, XXXX 2 times, XXXX 2times, I don't know if someone is try to get credit on my name.

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