milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

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 non-monetary relief
Consumer complaint received 04-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Other

Complaint: * I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: I had a discounted pricing with Credit Check Total for the amount of $ XXXX. I noticed that on X/XX/2017 and X/XX/2017 my account was charged for {$32.00} each month without any updates to advise of a price adjustment, promotional offer expiring or anything. Upon calling today, I was credit for one month of service and requested for a price adjustment for the second month to the agreed price and was advised that was against their policy by supervisor XXXX. In addition, Im disputing the amount of {$32.00} with my bank and also filing a complaint with the FTC for fraudulent charges.

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid with a Check from XXXX XXXX XXXX the amount of {$300.00} to KOHLS, XXXX XXXX. 
They clear the check from my XXXX XXXX XXXX Acct. After That KOLHS said they never cash the check because it was return. I went to XXXX XXXX XXXX and the fax to KOLHS the the CHECK # XXXX, cashed by them. 
After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last XXXX Bank statements where it show XXXX, XXXX and XXXX, I did fax to them. After that I still receiving letters from them collecting the XXXX. 
Please help me to resolve these problem, I feel tire and frustrated, these is a violation of my consumer rights, and can damage my credit reputation. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Bank account or service (Cashing a check without an account) with KEYCORP (OR).
Issue: Deposits and withdrawals

Complaint: Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Other mortgage) with McCarthy, Burgess & Wolff, Inc. (NC).
Issue: Application, originator, mortgage broker

Complaint: Hello ... 
I was told to go to a company named XXXX and they would give me a Loan on one of my Rental Properties. I went to this company and they told me that I would receive a loan but I asked if I paid the Loan off early would that change my payback amount and they told me no. I refinanced my House and paid XXXX on a XXXX loan but they told me that I still owed them XXXX in which I didnt understand. 
They turned the Loan over to McCarthy Burgess and Wolff Collection agency and they keep telling me I owe them XXXX. I have all my documents from my bank that shows I paid off the loan. 

What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Orions Management Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wife was contacted and notified that a XXXX was going to be filed against me in regards to an account that was not paid. She asked about the statue of limitations and was informed that the statue of limitations for this would not expire until XXXX XXXX because the last payment was made in XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: violates HIPPA, CRA. Sent police report and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Can't stop charges to bank account

Complaint: Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been going over my credit report, and have noticed that Experian is posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : 1 ) XXXX ( XXXX XXXX, 2016 ) 2 ) XXXX ( XXXX XXXX, 2016 ) 3 ) XXXX ( XXXX XXXX, 2016 ) 4 ) XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX ( in XXXX ) was given my report XXXX times within 5 days, which is obsurd since the only financing I sought out ( and received ) was from XXXX in XXXX. I believe there is a huge mistake. Experian needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 4 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney.

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 10-11-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has an item listed on my credit report XXXX XXXX XXXX Dated XX/XX/2010 Acct # XXXX This not my account I disputed this item on my credit report. It came back as verified. I asked Experian to mail me the verification method within the 15 day timeframe. They did not. I ask that under the FCRA that this item is removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I file dispute with Trans-union about inaccurate information on my credit report. They corrected the inaccuracy ; however, at the same time place XXXX very damaging inaccuracies on the credit report even though these accounts have been paid off for 8 months. This companies practices are very unethical and they are very inaccurate.

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 10-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: CITI bank closes my credit card account and suspended all of my cash back rewards in the account. CITI bank never tells me the reason for closing my account and refuses to send my cash back rewards. I have about 700 US dollar cash rewards in 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 02-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Using a debit or ATM card

Complaint: I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX  in the amount of {$4600.00}. I have disputed this account with the company and also with XXXX, Transunion and XXXX and it is still on my credit report. It is unlawful to report this fraudulent 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 03/19/2015 about Debt collection (Medical) with Accounts Receivable Consultants Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payloff for my Greentree Account because of the poor service provided, they are crooks in every form of the word and should not be servicing mortgages period. Let me explain ; I received a payoff on my account, while at the bank transfering the amount to greentree, I called their customer service group and told them what I was doing, the representative informed me that my scheduled automatic payment could not be stopped, I asked her to note my account that I was wiring the amount on the payoff letter minus the amount being automatically withdrawn which she could not stop. I followed up with greentree servicing and they have failed to clear the account and now have an additional amount of {$400.00} Interest on a balance of {$1900.00} and despite many calls to different supervisors, nothing can be resolved. Clear and close my account, beware of this group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (NY).
Issue: Managing the loan or lease

Complaint: Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.

Company response to consumer: Closed with explanation