milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you 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. 
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, of this 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 03/29/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.

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 01/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with AES/PHEAA (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along  with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call. 

Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ). 

I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA. 

I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised. 

As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic. 
Could you please investigate this issue and help me to resolve this without penalty charges? 

Appreciate your help, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. 
On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. 

I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. 

After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. 
I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here :

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX I joined XXXX on a month to month contract. 
XXXX XXXX I sent via certified mail membership cancellation -pd. final month, {$25.00} canc fee, & returned membership card. 
XXXX XXXX received charge from XXXX XXXX. Sent letter reiterating above info. Also, in between my cancellation and this date XXXX CLOSED ( went bankrupt? )! I assume they sold their gym to XXXX, as I began receiving bills from them threatening collections! ( I NEVER was a member of XXXX ). 
XXXX XXXX faxed dispute to XXXX with all docs. Spoke with customer service who informed me this would be removed- incorrect charge. 
XXXX XXXX recd. notice from collection agency XXXX XXXX for XXXX. I called and spoke with rep. who told me this would be removed immediately! I also sent via registered mail copy of all docs. 
As far as I knew this was being considered a fraudulent charge and was resolved/closed. 
XXXX XXXX recd. letter from XXXX XXXX XXXX from XXXX - provided registered docs that not only was this incorrect - but also fraud. 
I had cancelled a membership with a club that went bankrupt/closed. They sold their facility to another gym. Who FALSELY and FRAUDULENTLY began billing me through XXXX XXXX and sending incorrect info. to credit agencies. 
This incorrect/fraudulent/closed account is still being reported on my credit report! I would like it removed and resolved immediately! Thank you. 
I believe that both XXXX and XXXX are directly responsible for all of the above mistakes! 

( ( PLEASE DO NOT INCLUDE MY SUPPORTING DOCS AS THEY HAVE PERSONAL INFO. HOWEVER, I AM FINE TO SHARE THE SUMMARY ABOVE SO OTHERS CAN LEARN ABOUT PROBLEMS WITH BOTH XXXX AND XXXX! THANK YOU ) )

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

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 03-10-2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: Traditional IRA account opened with predecessor bank, XXXX, for a 60 month CD that matured XX/XX/XXXX. Upon maturity of the CD I requested that the proceeds be transferred to a new IRA Custodian. M & T Bank applied a {$75.00} " XXXX '' and deducted this amount from the transfer ( took the money out of my IRA account ). I was never told of this fee, I was never asked if I wanted to pay the fee separately rather than have it deducted from savings, and the original IRA agreement with XXXX made no mention of this egregious fee.

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 01-08-2018 about Student loan (Private student loan) with Social Finance, Inc. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing statement

Complaint: Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with EARLY WARNING SERVICES, LLC (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Wrong amount charged or received

Complaint: 1. 
Money transfers to the XXXX of XXXX has only XXXX option for collecting - XXXX $ $ $ currency only. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
Western union is collecting earned income based on gain received from the discounted rate paid to recipients vs. exchange rates set by XXXX XXXX XXXX4. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
Case in point : Today XX/XX/2015, Western Union rate of exchange for transfers sent to XXXX from local outlets ( In Person ) is XXXX {$110.00} to XXXX vs. rate set by the XXXX XXXX XXXX - XXXX {$110.00}. Hence a gain of XXXX {$4.00} 0n each US $ sent.In addition to the base fee of US {$9.00}.

Company response to consumer: Closed with explanation