milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
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 would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

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 07/14/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.

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 05-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Currently I am a Capital One Quick Silver Credit Card holder. withdrew {$160.00} in cash On XXXX XXXX, 2016 I made a cash withdrawal for {$160.00}. 
The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Using a debit or ATM card

Complaint: Bank of America is refusing to allow a credit back from a vendor who did not have a return policy for products posted in their store at the time of purchase. I attempted to make a return valued at $XXXX XX/XX/2016 and the store would not allow it citing that they would only give a store credit. I attempted to return the item within 9 days of purchase. They refused the items and I contacted Bank of America's dispute department while I was at the vendor. I took several pictures of the register area and surrounding counters and walls showing that there was no posted return policy for a customer to know what the return policy is prior to purchasing- its like entering a contract with someone without understanding the terms until after signing. 
The reason for the return was that I found out that I could buy the products from another vendor for about $XXXX less. In addition, the quality of the items was better at the other vendor. I made this purchase and attempted to return the other vendors items and they refused it. While I was on the phone with a dispute representative at the vendor's store where I wanted to return the products,the bank representative asked the vendor if he would take the items back over the phone and he still refused. He later told a different BOA representative that I had left the premises with the items without making an attempt to return them. By the way, I still have the items and can still return them.
BOA issued a credit but then retracted it after I closed the account - it now appears that I closed the account owing a balance. I would like this to be resolved before it gets reported to any 3rd party agencies.

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 01/13/2018 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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Critical Resolution Mediation LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company number appears on my phn for at least 100 times in the last 1 and 1/2 years. will not stop calling even after I have threatnd them with litigation. The number is traced back to XXXX california. Contacted XXXX and they say they do not have me in there data base but a day later the same number comes up XXXX. When you call this number back they answere as critical solutions.

Company response to consumer: Closed
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
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: My wife ordered some make up on a trial basis about 8 months ago and checked off the subscription box in error. She received her trial make up and decided she did not like it. We never gave it another thought because I had been diagnosed with XXXX XXXX and were busy with countless trips for treatment and XXXX. I was reviewing our XXXX bill in XX/XX/XXXX and discovered a charge of XXXX for a make up that we did not get. I then back 8 months and saw charges for the same amount. I contact the merchant on XX/XX/XXXX and was rudely put on hold to never return. I called again on XX/XX/XXXX XXXX and spoke with XXXX who said that he would issue a cancel number to us and said to wait on hold. He never returned and did not issue the cancel number to stop the charges. I called XXXX 3 times on different dates for assistance and only have two dates listed on my paper work, XX/XX/XXXX, XX/XX/XXXX. On these calls plus the third call to the bank they acknowledged my complaints, advised me to call if any more charges came so that they could remove them. The bank managed to get someone on the telephone from the make up retailer on XX/XX/XXXX who issued a cancel order number to the bank and I and stated old charges would stay, new charges would be withdrawn. I a conversation with XXXX today I was told by person named XXXX that he would file protest for me but charges will stay. I asked for a new account number and was told charges would still be applied to new account. We have had this card for 6 years and our bill has been paid in full every month. I feel the merchant and today the bank is taking advantage of my age and current health.

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 01-07-2017 about Consumer Loan (Vehicle loan) with KEYCORP (VT).
Issue: Managing the loan or lease

Complaint: Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. 
Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. 
No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. 
Called ID displays phone number not listed on website, gave appearance of phishing attempt. 
Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Equitable Acceptance Corporation (FL).
Issue: Fraud or scam

Complaint: I was contacted by a third party company promising to reduce my student loan debt or even erase it for a fee of {$1300.00}. Name of the company is Equitable Acceptance Corporation and the account was opened on X/XX/2017. They have not even contacted XXXX or provided any type of service that they have promised to provide. I would like to not have to pay this scam company any more money and get it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE SENT CERTIFIED LETTERS ON  3 DIFFE RENT OCCASIONS TO ALL CREDIT BUREAUS (   XXXX      XXXX   AND TRANSUNION  ) IN REGERDS T O ALL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XX/XX/XXXX  , XX/XX/XXXX  THOSE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I  FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM TEXAS BU T LEFT  ANOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may c oncern, I mailed a Multiple Inquiry Removal Letter on   XX/XX/XXXX  by  certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the lett er on  XX/XX/XXXX  and they completed the request on  XX/XX/XXXX . The request that I submitted in cluded  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 03/24/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Portfolio Recovery Associates are reporting XXXX accounts on my credit reports that do not belong to me and they are unable to validate the information. I asked for validation of the debt by asking for a copy of the original signed document and they sent me a copy of a bill which is not validation because I am not the person who started the account. On the XXXX report they are reporting for XXXX account that the date the account was opened was XX/XX/XXXX and the date of the 1st delinquency was XX/XX/XXXX. The 1st delinquency date was almost 2 years before the account was opened. They are reporting a different opening date to XXXX for the same account ( acct # XXXX ). The other account reporting to XXXX is reporting an open date of XX/XX/XXXX and the date of 1st delinquency of XX/XX/XXXX. The date of the 1st delinquency is over a year before the opening date ( acct # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Submitted request the Free Annual Credit Report online to Equifax and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I contacted BBVA Compass Bank regarding my HELOC. I advised that due to several factors ; loss of a job, extended unemployment and closing of a business, I could no longer afford to pay my normal payment. I was able to put 2 payments to the end of my loan and apply for a modification to address ongoing payments. On XX/XX/XXXX I submitted a Borrower Assistance Package and asked for a temporary modification. Over the course of approximately 2 months I provided all additional requested documentation and waited for what I hoped would be a positive outcome. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX that my request for a modification was declined because the underwriter felt I could afford my regular payment. I also confirmed this via telephone conversation. The information provided showed that my average gross monthly income was approximately {$5000.00} and that my estimated expenses were {$5500.00} not including food, utilities and medical expenses. I have seen a lot of loans in my career and this does not equate to anything a lender would approve. My debt-to-income is over 100 % based on these # 's. I do n't believe the underwriter gave my request fair and accurate assessment. Interesting that as part of the declination letter they gave me options to add to my loan balance to increase my payoff later or to increase my monthly payment higher than what I was looking to obtain relief from. In the mortgage business I have seen dozens of borrowers who were in much better financial ( income ) than I am and have obtained for lenders who were interested in helping customers who had a long record of on-time payments. This is the only time in my entire life that I have been faced with this financial crisis. This was not due to financial mismanagement but due to unforeseen life occurrences ( laid off from job, unemployment and failure of a business ). I believe their approach is to deny modifications to build up amounts due on homes that have some equity, knowing they will get more funds later or to keep loans that pay a higher rate to accumulate interest. My rate was already high at 6.25 % and they have now raised the rate on my mortgage to 18 %. My balance has gone from approximately {$97000.00} to almost {$100000.00} in just 3 short months. How can this be legal and how can this be the alternative to a justified modification? I am asking for assistance to mediate this request for a modification and to determine whether their process, increased interest rate and declination was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian continues to report accounts that are n't mine and credit reports I did n't authorize. I sent them settlement paperwork where I sued XXXX and they agreed to remove the accounts from my report. Experian has refused to do so. I have also had more fraudulent credit inquiries and am attaching a new police report. Experian 's online service would n't accept my police report and I 'm submitting proof of that 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 non-monetary relief
Consumer complaint received 06-06-2016 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 've been victimized by the illegal collection practices of XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a XXXXdollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by XXXX XXXX XXXX, upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against XXXX XXXX XXXX - XXXX XXXX XXXX. by the Consumer Financial Protection Bureau. Although this credit is present, XXXX decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but XXXX with their account XXXX games with moving the account from XXXX company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.

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