milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent experian documentation to experian to prove that these items should n't be on my report. they stated my results are ready but when i enter all the information to get results I get the following. '' The results of the processing of your dispute ( s ) are now available. View the results instantly online. Your Report Number is : Your Investigation ID is : XXXX '' " We .are unable to honor your request to access your credit report online. Please call us at XXXX, or you can submit disputes and supporting documentation at experian.com/uploadSelect this link to submit your dispute and supporting documents at experian.com/upload or write to us at XXXX. XXXX XXXX, XXXX, TX XXXX. '' so that they can correct my credit score. if they update my credit score it would over XXXX they are intentionally not updating my report to get the correct score. I have provided the proof and documentation and submitted online via their website and now they are not responding. to me they are trying hard not to update my credit score and using these delay tactics. 
experian is n't doing anything to correct my score which is grossly wrong. with the corrections my score would be over XXXX and should have been over XXXX for the past XXXX XXXX years. instead my score was in the low XXXX ( XXXX ), they are discriminating and illegaly not reporting correct information on certain peoples reports. not reporting corrected information and updating my score hinders me from employment, loans, apartment approval, and much more for the past four years. this should be looked into because I am sure this is effecting 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 04-02-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Charged fees or interest you didn't expect

Complaint: When our draw expired for our line of credit at Bank of America, I was told it would become a fixed rate loan during the pay back period. It is a variable rate instead. I did not pay attention to this until the payment started going up recently.

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 EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: When I had attempted to, tried to dispute or complain about : inaccurate info on my report! Equifax had literally shut that down, even before it got started! This had taken place, in XXXX of this year! It also would be fair ; to state, and conclude for the record! That Equifax are also involved in, this conspiracy plots : to destroy me, and or demise my health overall! Went as far as, to try to get me, caught up in : their so called free trial credit monitoring scheme! However, once after witnessing, and experience it was a hoax, and gotcha moment! Trust me, I had to hurry up, and unsubscribe or terminate my membership altogether! Never looked back neither! So some of this backlash, and their retaliatory measures are ; from that incident, and my complaint against XXXX XXXX! With all these all out attacks, against me personally, and much damage control to my credit history overall! How in the XXXX, can I get passed that CFPB??? Make no mistake about this, that, or the other! There 's entirely too much of the following : personal grudges, hang ups, animosity, hatred, envy, strife, malice, division, fault finding, grievance, finger pointing, mistreatment, bias, lies, hypocrisy, heretic, bigotry, deception, attacks, defamation of character, misconception, warfare, blackmail, opposition, threats, close encounters, massive damage control, and there 's definitely too many attempts ; to kill or demise my health overall! Sad point about it all! All three government credit bureaus or agencies are a part of this! What the XXXX is Really going on Here CFPB????

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I mailed a certified letter to verified the debt and no response and I need ask for removal of deletion off my credit files if cant provide. no response.. NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My complaint is against XXXX XXXX XXXX they are trying to collect on a balance of {$55.00} that is unknown. I am asking this company to send Validation for this debt, not simple verification. They are a 3rd party collection agency brought this debt from the original creditor. This company never attempted to contact me requiring this debt. If this is a medical debt it should go back to XXXX, because I am XXXX and have been on XXXX. The provider or hospital must have submitted the claim wrong. Send this debt back to the original creditor.

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 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. 
I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.

Company response to consumer: Closed
Consumer complaint received 10-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit my 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 monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " BRCLYSBANKDE '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and XXXX and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.

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 08-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Received a loan I didn't apply for

Complaint: I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about 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 11/18/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Advertising and marketing

Complaint: I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/2017, Wells Fargo unilaterally and without warning closed my Visa Signature credit card and subsequently terminated XXXX Go Far Rewards (points) associated with my credit card account. WF didn't provide a notice that the account would be closed nor the opportunity to redeem points. If redeemed for cash or statement credit (at 1 cent per point) those points would be worth $XXXX. However, redeemed for airfare at XXXX (my preferred redemption method) those rewards are worth $XXXX. It's not an insignificant sum of money and Wells Fargo essentially prevented me from using it. I reached out to Wells Fargo and escalated my complaint all the way up to Case Management / Executive Office, but they refused to reinstate rewards, let me use them or transfer them to a family account for future use.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, 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 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with 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 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: amount that was sent to collections was {$1500.00}, collection agency is now looking for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Payday loan () with Big Picture Loans, LLC (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %

Company response to consumer: Closed with explanation