milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with Alorica Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All negative reports should be deleted from my file. Each account has been paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A debt collector, XXXX is trying to collect a debt that is not mine in the amount of {$6100.00} I have asked for debt validation and only received a photo copy of a bill, and now they are asking for {$6200.00} This false debt was previously owned by XXXX XXXX XXXX and was removed from all credit, prior to that it was owned by XXXX XXXX and was also removed from all credit. This debt is not mine and keeps being sold to new collectors in an attempt to collect it anyway. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Savings account) with GOLDMAN SACHS BANK USA (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TD BANK US HOLDING COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received.     With your assistance I am re-sending then again.     REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all  3 cr edit reporting agencies all by certified mail  (  copies of receipts enclosed ) re questing you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft.     To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft.     Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the  Consumer Financial protection Agency  for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally.     If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of  XXXX  item have been delete and that the creditor or  collectors ha ve also being advice and have them what is necessary on their part to follow for not to cause any more damages to my credit profile.     I take my credit very seriously and any lack of professionalism and assistance will be.     I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.   I anticipate your response.     Sincerely,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.

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 09/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Cash advance fee

Complaint: On XXXX/XXXX/15 I mistakenly sent a check to my BOA credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my BOA checking account. On XXXX/XXXX/15 BOA charged me {$220.00} as a " cash advance " fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 Kohl's/Capital One pulled my XXXX credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from Kohl 's. On XXXX XXXX 2017 I sent a letter to XXXX ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX 2017 I received a fresh report from XXXX ( Report number:XXXX Dated XXXX XXXX 2017 ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX 2017 at approximately XXXX EDT I called Kohl 's Credit Department at XXXX. Their automated system confirmed that my SSN was not  in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with XXXX. Of course, I informed her I had already done so and they had referred me back to Kohl 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in Kohl 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on Kohl 's part. However, I still need Kohl 's to correct their error and remove this erroneous inquiry from my XXXX  credit report so that future creditors will receive an accurate picture of my financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Auto) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been homeless after I move from apartment call XXXX XXXX so I can not receive mail Hunter Warfield claim email me papers about a settlement offer you have n't proved it also my ex-husband is on this least we had together but I only see it on my credit report we both signed a legal and binding contract I am now divorced from my ex-husband and now I have to deal with that debt I 'm wondering how come they never went after him I 'm not working due to a XXXX but he is when I left the apartment I did n't pay {$1700.00} and then Hunter Warfield climbing out of {$4100.00} this is a nightmare for me I have asked them to send me a paper to my current address. What I was told over the phone is after I paid the full balance I will get a letter a discharge meaning I no longer own it not sure why they would tell a lie like that because they do record us when we call

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Home equity loan or line of credit) with Visio Financial Services Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Visio Financial was a present lender who has been payoff by XXXX XXXX see attached complaint number against XXXX XXXX Visio Financial has not assist my new lender in getting Visio Financial lien off my property. The XXXX XXXX '' still has a paid lien on by property, so this does n't allow me to sell my property without paying them twice. Visio Financial assisted I speak with XXXX loan Servicer ( see attached complaint made against XXXX ) XXXX has put late fee on my account that never happened, XXXX, owe me XXXX on the closing of Visio Financial balance due was XXXX + XXXX ( in escrow ) payoff showed XXXX approximate I the borrower ask Visio Financial to confirm and correct XXXX payoff balance, it was refused, Visio Financial said " see CLEAR SPRING ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Vehicle loan or lease (Loan) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.

Company response to consumer: Closed with explanation