milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Since XX/XX/2016, I have been trying to work with American Express on a credit card debt of approximately {$11000.00}. Prior to this time, I had a high-paying job, which I lost, and I am also going through a divorce. I had a number of other big-name creditors ( XXXX, XXXX, XXXX ), all of whom I contacted at the time of the job loss and with whom I worked out a payment plant. I have been paying all of these other debts on time and have never received a single collection call from the other creditors. I attempted to work out a payment plan with American Express similarly but on four separate occasions, the caller threatened to damage my credit if I did not pay a certain amount at that time. <P/>They refused to work out a payment plan with me ( not a settlement, I fully intend to pay off all of the debts in full ) until I paid the set amount they demanded on the phone call. Often, I did not have enough to cover the amount, but I paid it anyway because I was worried about ruining my credit. I also began working with a credit consolidation agency recommended to me by XXXX called XXXX XXXX XXXX. I wanted the AmEx debt to go onto this consolidated payment plan, but AmEx apparently refused according to XXXX. Until XX/XX/2016, I had never missed a bill or had a late payment in my life. My credit score was in the high 700s. Now it is in the low 500s, because AmEx is claiming I am not paying, when I have made every attempt to come to an agreement with them. They are making daily calls to my cell phone. I have asked them to stop and said I have repeatedly made attempts to come up with a payment arrangement. They continue to refuse to make a payment arrangement with me unless I pay the collector on the spot right at the time of the call. I believe that this collector is actually affiliated with AmEx and not from an outside agency. They even called my parents in Ohio, saying they were " trying to get ahold of me, '' which upset my parents a great deal. <P/>I simply do not understand what I did wrong here. Every other creditor, including some health care creditors and other big banks, have worked with me exceptionally well and I have paid off my negotiated plan without any issues. This single creditor I believe is using harassing phone calls and deceptive tactics ( telling me they will work out a payment plan with me after I pay, and then doing the same thing the next month ). I am very upset, but am lucky to have some good resources at my disposal -- I worry that this company is taking advantage of others who do not. I want the calls to stop, I want the creditor to make some reasonable accommodation for me to pay the debt and I want them to treat myself and their other customers with honesty and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with MEDCAH, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I contacted the company in response to a collection account that is on my credit report. I stated : I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit profile at the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

I was told that because of where I live MEDCAH does not have the right to collect or the license to collect there. I was also told that I could make a payment online and have it deleted the next day. I could not get this mailed to me in writing because the company doesnt send out letters and they legally can not because they can not collect where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Collector called saying they were from XXXX XXXX XXXX 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from Best Buy for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to Best Buy. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at XXXX XXXX with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or XXXX XXXX XXXX should have checked the account before they started collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 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: I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Their is an unauthorized inquiry from XXXX XXXX lending on my credit report that showed up XX/XX/2017. I have disputed this repeatedly with Equifax and they continue to tell me it will be removed, but it has not been. I did not do business with this company and never applied for anything with them and never gave my permission to have them pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.

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 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX, XXXX, and XXXX, I disputed an account on my credit report through Experian. On XXXX and XXXX, I submitted escalations to Experian for the same account. Experian has not given any feedback on this account on any of the disputes or escalations. The amount is being reported to Experian from the original creditor and has not sent to a collection agency. The amount has an open account date of XX/XX/XXXX and a total past due of {$2700.00}. This account dispute should have been removed from my credit report in accordance with the Fair Credit Reporting Act. Knowing that there has been no response, the account should be removed from my credit report. The CFPB has my formal permission to access my credit reports for the sake of this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Other

Complaint: Macys/Dsnb, XXXX XXXX XXXX, XXXX, OH XXXX is reporting my account as a charge off, however, I paid the account in full. Macy 's credit card stopped sending me invoices. I continued to mail checks to Macy 's but they never credited the checks to my account. I was told they did n't receive them. I sent them to the address that is on their web-site. I also verified the address once told that Macy 's was not receiving the payments. I want the negative information reported by Macy 's to be removed from my credit report. I filed a dispute, but Macy 's refused to remove the negative 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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Equifax has continued to report multiple accounts on my credit history without actual verification or proof of verification despite multiple disputes under citation of the FCRA, namely : XXXX XXXX for {$2400.00}, XXXX XXXX XXXX for {$690.00}, XXXX, XXXX for {$1200.00}, XXXX XXXX XXXX XXXX for {$16000.00}, and XXXX XXXX XXXX for {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged overdraft which I expect.. {$35.00}. But an extended overdaft was charged to me a week later for {$25.00}. Its obviously hard enough to pay it back, why make it harder? I 'm already being charged {$12.00} a month to have the account and the make interest on my money.. what the XXXX are they doing for me to cost me so much money??? Its ridiculous. It 's illegal

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.

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 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus XXXX, XXXX  and TransUnion in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Trans Union Second Letter XXXX XXXX XXXX - XXXX, XXXX, TransUnion Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, TransUnion Fourth Letter 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 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate 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 09-08-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I visited XXXX to speak about a home mortgage. While in our meeting we pulled my credit reports. In review of all XXXX credit reports it was brought to my attention that Wells Fargo Dealer Services was reporting to XXXX that my auto loan was charged off at over {$7000.00} and I had not made a payment since XXXX! This information was COMPLETELY FALSE and was verified by the correct information in my XXXX and XXXX credit reports. I was advised by the consultant at XXXX to contact Wells Fargo Dealer Services and have them correct this immediately, and so I did. When I contacted Wells Fargo Dealer Services, I was given a fax number to contact the dispute department, which was only reachable in writing and by fax, I was told I could not speak to anyone in that department they did n't have a phone number. I told Wells Fargo that I was not disputing anything, I just wanted the TRUE and CORRECT information to be reported to XXXX, again I was told the ONLY way to do that was to fax the dispute department. So I did, and the correct information is now being reported HOWEVER, here we are, OVER a year later and I return to XXXX after I have fixed and cleaned up all my debt, and I am told that NOW Wells Fargo Dealer Services is reporting to XXXX and I quote ( direct from my credit report ) " Dispute Resolved ; Customer Disagrees '' AND NOW ALSO reporting to XXXX AND XXXX, again I quote ( direct from my credit report ) " Consumer Disputes after Resolution ''!!!!! ARE YOU KIDDING ME!!!!! I did NOT dispute nor did I not agree with the CORRECT AND TRUE information being reported to ALL of the Credit Agencies. I have absolutely no control over how my loans are being reported to any and all credit bureaus. It is not by my fault that Wells Fargo Dealer Services was reporting FALSE information!!! IT WAS NEVER A DISPUTE and I NEVER DISAGREED WITH THE CORRECT INFORMATION NOW BEING REPORTED!!! I want the dispute removed from ALL my Credit Reports immediately as this is hindering my ability to purchase a home!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: My bank checking was account was attempted to be scam in the amount of {$3200.00} but XXXX caught this and is now investigating this. Now in regards to this they have had {$3200.00} on hold from me gaining access to my money for 67 days which has caused me a financial hardship of not meeting my bills responsibilities on time and as a result of them doing so I had to join a debt relief program, have my credit go into negative reporting and lower credit score in which I feel they are responsible for this in not resolving their investigations in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation