milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was amazed when I viewed my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

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 06-10-2017 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: These accounts were disputed as fraudulent and  XXXX ,  XXXX  and tranunion have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , total  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 12-05-2017 about Debt collection (Payday loan debt) with Mobiloans, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Untimely response
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX XXXX, 2017 I wish to make a complaint for the customer service I received recently by the Assistant Vice President Licensed Branch Manager XXXX XXXX at the XXXX XXXX Branch. I 've had many issues with overdraft fees charged on my account by Key Bank errors in the past. On XXXX XXXX 2017, I was charged an overdraft fee for insufficient funds since I 've had many issues with Key Bank errors I asked for a refund as a courtesy. The customer service I had spoke to on the phone advised me to go into a Branch near me and speak to a personal banker at a Key Bank Branch near me and they 'd be able to help me. When I went into the XXXX XXXX Branch, I spoke to a bank teller who advised me to go into the Key Bank Branch where I had opened my account and they 'd be able to help me better there. I went into the Key Bank Branch located in XXXX XXXX and spoke to a bank teller who, told me I had to speak to a personal banker in regards to the refund because she was unable to authorize the refund since I had a substantial amount of courtesy refunds already. Which in fact was inaccurate as they had been Key Bank errors. On Tuesday XXXX XXXX, 2017, I went into Key Bank to speak to a personal banker in regards to overdraft fees I had in the month of XXXX. When I spoke to the Assistant Vice President Licensed Branch Manager XXXX XXXX, I tried explaining what had happened with my prior overdraft fees and asked if I could have a courtesy refund on some of the overdraft fees since there had been issues with the prior fees. As I explained what the problem was she rudely interrupted me without letting me explain thoroughly and kept shouting at me " was it a bank error? '' As I had explained, this time it was not a bank error but since I had to deal with many bank errors prior to this one I wanted to ask if I could have a refund as a courtesy. I am absolutely disgusted with the customer service I received by the Assistant Vice President Licensed Branch Manager XXXX XXXX, she was beyond ridiculous! I have never met such a rude person ever before and her behavior was completely out of line! I had to get up and walk out from there before I lost it. As we walked out of the bank she continued to be rude and unprofessional, laughing and smiling and shaking her head as we walked off.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Struggling to pay mortgage

Complaint: Due to circumstances surrounding Hurricane Matthew in XX/XX/XXXX, I missed mortgage payments for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I requested the paperwork for a loan modification, received it and put it aside while I was dealing with insurance difficulties with Bank of America ( including that BoA had never removed the previous Bank 's name from the Mortgage when BoA had purchased said bank and the bank no longer existed. ) Automatic mortgage payments were then made XX/XX/XXXX - XX/XX/XXXX, then beginning with the XX/XX/XXXX automatic payment, BoA began rejecting the automatic payments. I have no record of being notified about this and did not notice the payments had been rejected until XX/XX/XXXX. It is obviously my fault that it got to this point, however, at this point I received notice of foreclosure with the auction date of XX/XX/XXXX. Instead of calling a lawyer, I called BoA to ask if it was too late to file the loan modification papers and was told by BoA that I could. I filed these papers on XX/XX/XXXX electronically and spent the week calling BoA to follow up on the process. The foreclosure process was already underway at this point. BoA was talking to me until 30 minutes before the auction on Tuesday, XX/XX/XXXX and telling me they were working on the request. XXXX XXXX, Dedicated Customer Relationship Manager, was my contact. The house sold at auction while I thought BoA was helping me. Then on XX/XX/XXXX, I began receiving notifications in the mail that my case was received and being opened.

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 01/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX, I went to a local branch of CHASE bank where I have a checking and savings account ( minimum balance of {$15000.00} maintained to avoid monthly charges ) and a couple of XXXX credit cards ( XXXX and CHASE Freedom ) and completed a new credit card application with a customer service representative. I have nothing negative to say about the representative or the branch manager who I also spoke with briefly. 


I was applying for the CHASE XXXX XXXX XXXX XXXX. I told them that I had been denied the card when I had previously applied for it last XX/XX/XXXX. I thought I'd reapply for it since it had been 8 months since the denial. The branch people did not discourage me from reapplying. They even called the credit card department and got a non-committal response from them. The reason for my optimism was that my FICO score during this entire 8-month period has been over XXXX and has been to the best of my recollection always rated Excellent ever since I recall checking my scores. 


Today, I received another rejection letter. The only reason given was that there were " too many credit cards opened in the last two years associated with you. '' I thought that the FICO score already reflected my having " too many credit cards opened in the recent past. '' In spite of that, my FICO score is and has always been exceptionally high. Incidentally, I did an honest analysis of my financial status using your XXXX XXXX XXXX and scored a respectable XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase Bank, NA JP Morgan. On XX/XX/XXXX charged me in the same day and in less than an hour {$68.00}, they said for INSUFFICIENT FUNDS FEE, as always this financial institution apply their regulation in their favor. they paid first a check that i wrote to XXXX XXXX XXXX and deposited XX/XX/XXXX and then they paid my car insurance some minutes laters my social security pension. For me this It is not fair and is an abuse against their customer. When I called Customer Services they says can not remove that fees, because they paid the check to XXXX XXXX XXXX at XXXX on XX/XX/XXXX and my Social Security at XXXX XXXX XX/XX/XXXX that 's why I 'm making this complaint to help me get this bank back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was attempting to print off all XXXX credit reports. XXXX went easily and already corrected the disputes. EQUIFAX has the identity portion that must belong to someone else.This is affecting my credit as XXXX says I have XXXX things lowering my score. 
I was asked to identify myself by selecting a mortgage as well as a loan that I do not have. I owe nothing and never pay a bill late. As a result of lack of identity to their satisfaction I could go no further and did not get my report. The XXXX report XXXX I was in the middle of reading and it would go no further and they now say I can not get back in either to read or print off my free copy. Please help me .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: 1. Have very strong credit history and payment history with all credit cards 2. In XXXX I applied Amex Delta card for XXXX miles + statement credit, which I did n't receive after 4-5 calls ( every time being assured and waiting few weeks ). Finally, was told wo n't receive miles, so had to cancel the card. 
3. I kept getting similar offers from Delta & Amex, which I ignored 4. While booking my Delta airlines for Alaska, I once again got offered as part of the booking, which I confirmed to receive before applying as part of ticket booking 5. I met criteria in less than a week to be sure 6. After not seeing miles or credit, I called. Was assured after lengthy discussion and informed to get call in a week. 
7. Same thing happened 4-5 times, but there was no follow-up call & each time getting to know " by mistake case has been closed, but will be taken care in a week this time for sure '', only for me to call after a month to be again given false assurance. 
8. Finally after few months, I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was read terms & conditions, all other assurances were just sales gimmick. 
9. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository 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 01/23/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: About a week before XX/XX/XXXX XXXX XXXX XXXX called my phone number asking for a XXXX XXXX concerning a debt who I have never known or heard of. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX about a debt in the amount of XXXX from a XXXX XXXX source. XXXX XXXX attempted to collect on this account and I believed the account was mine and paid a payment of XXXX and promptly set up a payment plan to settle the debt. There were also an additional 4 accounts under my social security number, date of birth, and last name that they wanted to collect on until I said no that was not me and was told that was a mistake not to worry. On XX/XX/XXXX I logged onto XXXX XXXX XXXX website portal to view my account after logging in with my social security number, date of birth, and last name, a total of 5 accounts all of which were under the name XXXX XXXX including the account XXXX XXXX XXXX had collected on said belonged to me that I had paid an initial payment of XXXX and set up a payment plan. I immediately cancelled any further payments for the account as I believe the account and accounts are not my debt to be collected from on behalf of XXXX XXXX XXXX XXXX No where, after logging in under my social security, date of birth, and last name was my name attached to any of the accounts but instead a XXXX XXXX XXXX I am under the belief none of these accounts that XXXX XXXX XXXX is collecting belong to me but another person. I signed no contract with XXXX XXXX XXXX and am under no obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you

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 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not been contacted ... appears on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

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 12-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was mislead by recruiters at XXXX XXXX. about the education I was going to recieve and the money I would make. I had instructors ( not professors ) who told all students to drop out and not continue and that the school was a scam. I did n't realize no one would hire me or take my degree from XXXX XXXX seriously. I was charged alot of money for no education. I did not realize so much money was being stolen from me. The recruiter was a tricky salesman who I believe charged me far more than typical because he knew I was just desperate to go to school and find a good job. I never found that job. Now the school is out of business and I never got to finish. I have all of these charges on my credit report destroying my credit and any possible future I might have because of one horrible decision I made : trusting XXXX XXXX

Company response to consumer: Closed with explanation