milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
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 monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with Continental Finance Company, LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 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: Investigation took more than 30 days

Complaint: the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from Citibank in or about XX/XX/XXXX,  advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX County, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used Citibank 's credit card. I ask that I be reimbursed the monies taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Credit card) with Hunt & Henriques (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MD).
Issue: Problem with the payoff process at the end of the loan

Complaint: I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several unauthorized inquiries reporting to my Equifax Credit Report. I Have disputed these Items multiple times ( the last disputes dated XXXX/XXXX/XXXX according to Equifax and some dating back to XXXX ) with no response to my request showing that these inquiries have been authorized by me. What I receive is not validation that I actually authorized the inquiries but and updated credit report stating " We have received the inquiry information. The results are inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. " I contacted each creditor and Equifax simultaneously at the time I disputed the information and have received no response. I requested to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If there was no proof I requested that the inquiries be removed immediately. I have yet to receive a response to my requested from Equifax or the original creditors. This continues to negatively impact my overall credit and I would like the unauthorized inquires removed immediately. 
Creditor Contact Information. 
XXXX XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Robert J. Colclough, III (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: re : my mortgage with XXXX XXXX XXXX loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/17.they never wrote me or call me to ask me about this missing payment So on XX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Law Offices of Robert J. Colclough, III (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have never ordered any product from this company, I have never lived at any address in which it was sent, and it is included in my police report detailing the fraud that has occurred. Please review the attached documentation ( ACCOUNT EIGHT ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastpoint Recovery Group, Inc (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Eastpoint Recovery Group , Inc. has continued to call and harass my parents about a debt from me. They have made threats to my parents, cursed at them, and given all my debt information. They call their house several times a day after they have been asked not to call again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (Payday loan) with Wilson, Riley & Associates (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I believe that I as victim of a scam regarding this payday loan. Multiple threatening calls were made to myself and multiple members of my family including my ex husband from 20 years ago. Arrest was threatened along with a law suit. The name of the personsI spoke with are XXXX XXXX and XXXX XXXX ( not sure of the spelling ) and the comany name supposedly XXXX XXXX ( XXXX? ) XXXX XXXX. at phone no XXXX. I was asked to provide bank account or credit card information but purchased a pre paid credit card only. The money has been debited to the card as soon as the information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WA).
Issue: Taking out the loan or lease

Complaint: Auto loan pay off reported on XXXX not on XXXX, called the creditor to ask reporting be updated on XXXX and was hung up on by associate at Ally Auto.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 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: Information is missing that should be on the report

Complaint: Company : XXXX Date :XX/XX/XXXX 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

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 12/14/2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  in quiry on my credit report which causes my credit score to drop drastically

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 01/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Deposits and withdrawals

Complaint: I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Bank of America on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is " a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the " risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.

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 02/25/2017 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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