milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do have many hard inquiries from companies that I do not recognize

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection 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 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: T o Chexsystem My report is  showing inaccuracies. Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    ( Thes e are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I have a Best Buy credit card with Citibank as the underwriter. Citibank has sent notices that state they are charging a late fee of XXXX $ despite the CARD Act 2009 that clearly indicates late fees can not exceed XXXX . I have told them this repeatedly but nothing has changed. Furthermore, I have been told that they are removing my late fees only to later find that the late fees have not been removed and Citibank then charges me another late fee on top of the previous late fee. This deception and fraud has been going on since 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 monetary relief
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a complaint from  XXXX   XXXX  again st TD Ba nk, because it is trying to collect from a person that does not owe the debt. Specifically , TD Ba nk continues to report this debt on  XXXX   XXXX  's credit report, despite being shown evidence that he does not owe it. The true obligated party for the debt alleged is  XXXX   XXXX .  XXXX   XXXX  managed the business at the time, but did not assume any personal obligation for the loan.     Evidence that  XXXX   XXXX  did not owe the debt was provided in a  XXXX   XXXX ,   XXXX   letter to TD Bank  (  attached as exhibit #  ). Th e letter further requested that TD Bank either provide evidence that  XXXX  has a personal obligation to the debt or remove it from his credit report. TD Bank did not respond to this letter, nor remove the item from  XXXX   XXXX  credit report.     Because of TD Banks non-response, disputes were filed to the credit bureaus. Each bureau responded that TD Bank replied to the dispute and verified that the debt alleged and reported was valid. A copy of the dispute reports are attached  )   XXXX   XXXX  is not personally responsible for  XXXX   XXXX  debt. TD Bank is actively ignoring requests for removal -- It is unfair, abusive and deceptive that TD Bank continues to give no proof of its claims while it negatively reports on  XXXX   XXXX  credit reports. Reports of unpaid debts of this size are extremely harmful to a perso ns credit score. As a r esult of this negative reporting,  XXXX   XXXX  has been unable to qualify for lending and refinancing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with PNC Bank N.A. (NJ).
Issue: Balance transfer

Complaint: I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 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: Investigation took more than 30 days

Complaint: Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : TRANSUNION : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX throughXX/XX/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 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that EXPERIAN was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 11/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with ALTERNATIVE DISPUTE RESOLUTIONS (TX).
Issue: Can't contact lender or servicer

Complaint: Today a process server, XXXX XXXX, called my cell phone from an unknown number and left a detailed message that I would be served papers tomorrow from XXXX XXXX unless I called this number-XXXX to discuss.. I looked up the number and it came back unknown on unlisted so I called. They proceeded to tell me what I need to do in order for the summons to court would be stopped ... .to pay the total amount today of XXXX. XXXX or the court XXXX. Or I could make payment arrangements to stop it all using a credit card to keep it on file. They actually wanted me to go buy a prepaid card to use. I refused and they did n't like it that I was going to contact my attorney or call the district attorneys office in my area. They also gave me another number-XXXX. and the name of the company is ADR Alternative Dispute Resolutions. I looked both up on the internet and could n't find any information.

Company response to consumer: Untimely response
Consumer complaint received 06-11-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Managing the loan or lease

Complaint: I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing/Cancelling account

Complaint: I was hospitalized,XX/XX/XXXX after a XXXX. After the XXXX someone cut off my American Express Card. My credit is and was excellent until others used my credit card after, XX/XX/XXXX. I moved to XXXX and used my card again. The balance paid off and assumed correspondence from American Express stated I had informed them to cut off my credit card with the respect of this problem is by law XXXX year XXXX, ( forwarding a written statement to the bank which issued the credit card ). I contacted American Express by letter and telephone, they would n't believe I did n't cut off the credit. This has caused extreme hardship, due to XXXX XXXX denied me a credit card and XXXX XXXX XXXX had charges of purchases, I did not purchase, also harassed me for payment and I informed them I did not make the purchases. Someone is attempting to destroy my credit. At this time I do not have a credit card with my financial status which is very strong financial assets. Please Advise. I was called into the office of a XXXX Hospital stating a nurse had my credit cards. It is very hard to believe American Express of great professional respect and the banks of complaint are the true respondents. By professional performance as a Corporate Leader the banks always cooperated. It is assumed someone else maybe answering their telephone communication systems with unprofessional skills. After reading your scrubbing section, it should be monitored due to the zip codes are financial accounts and I do not desire to have any finances removed or scrubbed from my zip code trust account. The OMB number displayed on your web site is also one of my financial asset accounts. The 12 U.S.C 5493 gives me the respect to file my complaint with you due to the law of year XX/XX/XXXX and yet the 12 U.S.C ( United Supreme Count of 12, Understand 5493 is also personable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, A few months back I disputed an account with Equifax regarding XXXX XXXX XXXX account # XXXX, I have been in contact with the original creditor in which they have sold this account to A collection agency. I have asked for this account to be verified but in return they will not communicate with me. Equifax has this account listed as " open '' with a balance of {$430.00}. 
I have demanded an investigation into this account under the incorrect information of " open '' status with no results. I want the information on my report updated to " closed '' or removed from my file if no response is received within 30 days. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: I filed a complaint with CFPB because all the delays Chase has caused preventing me from repairing my home in a timly manner. The most recent complaint was XXXX - Chases entire reply was not true. 

Chase stated XXXX We received inspection results on XXXX XXXX, 2016, showing that repairs had been 75 % completed. Our process is to release a loss draft check within 4 to 5 business days or receiving the inspection results. The loss draft check was issued on XXXX XXXX, 2016, and on XXXX XXXX, 2016, the check was mailed via overnight. This is our normal process for a claim. *** That is NOT TRUE - The inspection was complete and in my file on XXXX XXXX. When I got this reply I contacted Chase to confirm when the inspection was complete on XXXX XXXX I spoke to XXXX on XXXX at Chase and she confirmed the inspection was complete and in my file on XXXX XXXX not XXXX XXXX. This reply from Chase is a LIE! 

The reply stated the check was issued on XXXX XXXX - again a LIE - I am attaching a copy of a the check which was n't written on XXXX XXXX as Chase claimed it was written on XXXX XXXX. 

I am so tired of Chase lying and continuing to delay issuing fund causing delays to get the repairs done on my home. 

This has been going on since XXXX. All the delays have caused more damage, unnecessary stress and Chase continues to cause delays and LIE about it

Company response to consumer: Closed with explanation