milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I closed an account with XXXX in XX/XX/XXXX, and did n't realize I had an outstanding balance. In XX/XX/XXXX I pulled my credit to check up on it and discovered the XXXX balance was put into collections and on my credit report. I immediately called XXXX and paid off the full amount of the balance on XX/XX/XXXX. 

The Balance fell off my XXXX and XXXX credit reports within 30 days, but still showed on Equifax. Since then I have disputed it at least a half dozen times. Contacted the collection agency XXXX used, XXXX, and they assured me they reported it to Equifax that the balance should be {$XXXX}. But each time the dispute comes back as a verified balance. 

On XX/XX/XXXX I spoke with a compliance officer at XXXX and she sent me a verification letter to send to Equifax to prove there is no longer a balance on the account. I submitted another dispute and attached the letter. On XX/XX/XXXX I got the results back from the latest dispute, that dispite the letter, Equifax claims they confirmed with XXXX that there is still an outstanding balance. 

I called XXXX after getting back the results, and spoke with the compliance department once more. They stated they never got an inquiry from Equifax to verify the letter and balance on the account. 

Equifax is clearly not properly investigating this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Trouble during payment process

Complaint: This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, TransUnion, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section

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 02-01-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.

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 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX XXXX XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, 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 01-12-2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company did not mail me a statement for the month of XXXX ( payment due XXXX 2016 ). I tried to make a payment at their online website and successfully registered my account. When i tried to log on their system would not allow access to my account ( even though I had successfully registered ). I called and was told i needed a reset password. So i was provided one by their rep. But i still could not log on so I called back. Another rep informed me that i could not access the online website due to my Bankruptcy. I told her I had not received my statement and that I needed to make a payment. She said they would not be mailing me anymore monthly statements and that I could not make a payment online due to the bankruptcy. i asked her why not and that I needed to make a payment and she said it was due to my filing Bankruptcy. I asked her why and all she kept repeating was that it was due to Bankruptcy. I asked how can i make payment and she finally said she could accept payment over the phone. I agreed as long as no further charges are assessed for making the payment over the phone. And she said she could send me a coupon book which I agreed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OH).
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: XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (FHA mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : 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 07/24/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Closing/Cancelling account

Complaint: I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Three attempts have been made via certified letters asking for validation to debt, according to Fair Credit Practice Act, with evidence of signature that I owe stated by XXXX XXXX XXXX The debt collector is stating that I owe them {$160.00}, they sent more " debt owed '' letters in attempt to collect and sent a itemized statement that is not valid and does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. The attempts were made to remove their information from all three credit monitoring agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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 03/25/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, 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