milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on Experian is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: Pursuant of the FCRA, I demanded a detailed explanation of the procedures used to validate accounts being reported by XXXX XXXX XXXX subsidiaries XXXX XXXX and XXXX within 15 days. My request was made on XX/XX/2017. 18 days have elapsed and I still do not have an explanation of how they validated the account. The reason I am asking for an explanation is, I have made numerous attempts to verify this information directly with the company and they have always failed to provide any evidence that I actually owe them anything. I would like an opportunity to review any documentation available from the creditors to determine if this debt is 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 03/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
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 have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.

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 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/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 explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with Financial Credit Network Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2018, I called to Financial Credit Network collection company to address a collection account from XXXX XXXX   XXXX XXXX. 

So in the first contact, a representative said they will be able to remove the collection account from my credit report once the I pay the balance in full. 

So in a second call in the same day, I spoke with a different person and before making the payment she advised me they won't remove the collection account from my credit report because they tried to contact me in the pass in different times, I asked the reason why the company changed mind if in my first call the representative told me they will be able to remove it. I asked for more information about the account because that is not a fair tactic to collect a debt, I asked the date when the company sent an initial written notification about this debt because I never had the chance to dispute the account, and the representative recognized they sent an initial notice but, the USPS returned in different times. 

After all, I asked for a debt settlement, and they won't make a settlement they just want to collect the full balance used an abusive language just because I asked for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believe there is a mistake with my credit report. There is an open collection account from XXXX ( XXXX XXXX XXXX XXXX ) that was started on XX/XX/XXXX to XX/XX/XXXX. It is now managed by an agency called XXXX. It says I owe {$680.00}. One reason this is impossible is that at the start of this debt, I was only XXXX years old. I was but only a XXXX at high school. I do not recall ever being a patient at XXXX. I have never heard of this place until I opened an account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with PNC Bank N.A. (NJ).
Issue: Other fee

Complaint: had stopped using my pnc credit cards due to pettiness about XXXX interest. needless to say i will never sign in again for a credit card with minimum interest charge. know my background good customer huge medical bills son. if i wanted could wipe this away but i am not.i am fighting insurance to pay bills. anyway asked for XXXX back was told no its been done already. no other bank but pnc treats me this way. this is ridiculous. when people declare bankruptcy they get nothing. i am a good customer. no scripts i want loyalty as there is none i am not using my card agains either of them i also want confirmation on card ending XXXX that XXXX was disputed accurately please credit XXXX spend this time getting to know me as a customer. not reading a script.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 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: Problem with personal statement of dispute

Complaint: I file a complaint id # XXXX with TransUnion. On XXXX/XXXX/XXXX, TransUnion responded, however, they did not provide who they verified this information about two bankruptcies ( Case # XXXX and Case # XXXX ) showing on my credit report. I spoke with the US Bankruptcy Courts and they stated they DO NOT provide or verify any information. Please see the attached letter I received from them. I spoke with XXXX and they stated they DO NOT provide or verify any information. Please see the attached email I received from them. On XXXX/XXXX/XXXX, I sent TransUnion a certified letter which on XXXX. TransUnion provided me the attached response dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I sent TransUnion the attached letter and they sent me the attached response dated XXXX/XXXX/XXXX. TransUnion is not letting me know who they verified this information with AND per the letter I received from the US Bankruptcy Courts and XXXX they DO NOT verify or provide any information

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 04/14/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.

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 08/28/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: ON XX/XX/18 I TRIED TO CONTACT EXPERIAN TO REMOVE A CREDIT FREEZE. I COULD NOT GET EXPERIAN WEBSITE TO FUNTION. I CALLED AND WAS UNABLE TO GET PAST THE AUTOMATED PHONE SYSTEM. IT SEEMS THEY HAVE DEVISED A PERFECT SYSTEM TO AVOID ANY CONTACT FROM CONSUMERS. THIS IS DELIBERATE DISCRIMINATION AGAINST CONSUMERS DESIGNED TO FRUSTRATE THEM INTO GIVING UP. I HAVE SENT THEM A LETTER REQUESTING THAT THEY CONTACT 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 02/20/2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed 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 10-06-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: When I refinanced my home back around XXXX of 2016 I was told by wells fargo that to remove my PMI I would need to either allow my payments to reduce balance to 78 % or if my home value improves I could order an appraisal and if the loan to value was at 78 % or lower I could have my PMI removed. I recently just paid for an appraisal through a credit union who uses a third party vendor. My appraisal came in with enough value to have my PMI removed. So I sent in my appraisal and now wells fargo says its not valid because it was n't through them. Not once did they inform me that it needed to be ordered through them. I also spoke with two representatives within the last 2 weeks about sending in my appraisal and they asked why and who i was getting it through. I informed them of possible home equity loans through other banks. They said okay and to send it in once I have it. They provided a fax number and notified me that once its received and reviewed my PMI would be removed. Now im being told my appraisal I paid for is not valid and that they are not removing my PMI. I would like to file a compliant for unfair and deceptive practices. They had opportunities to tell me before that other lenders appraisals do n't count even though they used another lenders appraisal for my home loan when they took over the servicing on 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 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I believe that I was charged or enrolled in Watch-Guard Preferred which is a wallet protection program that was previously offered by Citibank N.A . without my consent or knowledge.

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