milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 10/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: debt collector ( XXXX XXXX ) violates the FDCPA by falsifying and reopening the collection account of {$1100.00} which was first reported on XX/XX/XXXX with a new open dateXX/XX/XXXX which  made it to look fairly new account resulting in further hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt for XXXX was deleted off XXXX from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all XXXX credit bureaus 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 02/13/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (RI).
Issue: Credit decision / Underwriting

Complaint: I am receiving notices from DiTech Financial, LLC for a mortgage that I was never issued. I file an application with them but it was never issued to me. They have placed a bad mark against my credit for a mortgage that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. 

I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. 

How do I get them to resolve this? 

Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of 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 10-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: my bankruptcy is still showing on my credit report. Bankruptcy XX/XX/2004 submission

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is a follow-up to complaint XXXX about AMERICAN EXPRESS. 
American Express responded on XXXX/XXXX/17, but only honored the rewards deal by giving me credit for the XXXX XXXX points. They did NOT credit my account for {$50.00}, instead stating that I would " receive separate notification about the {$50.00} statement credit and appropriate remediation once it has been resolved if you are eligible for the credit. '' I have not received any further communications from American Express. It has been over two weeks and many months since I should have received the credit. I do not understand their delay or any possible explanation why I would not qualify given the terms simply required the credit card be used one time within the first 3 months. I satisfied that requirement within days of receiving the card. 

I have grown very tired of trying to get the rewards offered by American Express. I think they are getting away with making promises and not living up to them which is really despicable!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ok I ask the inpector general for help a bout my dbt collection but they do n't help enough I have problem with XXXX XXXX bank they send me to collection to Equifax XXXX in Gorgia XXXX that happened have long time XX/XX/2006 let me know you can help me thank

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied on line for the XXXX credit reports and the web site failed and gave XXXX page not found errors. I tried again and the freecreditreport.com site responded I already got the free report. there is no help number for assistance. I need the report timely butit is not available as required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Bank account or service (Other bank product/service) with PLANET HOME LENDING, LLC (OR).
Issue: Account opening, closing, or management

Complaint: I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.

Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled XXXX outsanding credit accounts that went into collection when I lost my job XX/XX/XXXX. I finally returned to work XX/XX/XXXX and began fixing. I settled with XXXX XXXX and XXXX XXXX Bank, both of which sent me settlement letters BEFORE I made the payments to verify the settlement reporting terms to the XXXX credit bureausI have attached for your review. 

For XXXX months now, I continue to dispute the status of these accounts as currently stated as " Charge Off '', which is not what I agreed to in their settlement letter. 
Correct Status for these accounts is " Paid - Settled, {$0.00} Balance " Nothing more, nothing lessEquaifax continues to show Charge Off, late payment, paid after charge charge, all comments that are not a part of the agreed settlement letter each stated they would report to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are 3 addresses listed, I only know of two. The XXXX address in XXXX, Mi I have no idea where that 's located.

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 03/25/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Closing/Cancelling account

Complaint: This account was closed on XXXX/XXXX/11 with a XXXX balance and transfer to collection agency without my knowledge and for no specific reason.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX, i sent capital one a payment to my account in order to raise the credit limit on my account. When I called Capital one and asked why my deosit wasnt posted to my account, they stated that it is because it does not say a record of them even receiving a deposit from me. On XX/XX/XXXX, capital one bank, me and my bank, XXXX the phone to verify the deposit. Which come to find out it was cleared on XX/XX/XXXX of XXXX by my bank. So capital one has stolen and took my money and did not post it to my account. So I had to file a compliant

Company response to consumer: Closed
Consumer complaint received 10-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Delinquent account

Complaint: In XXXX of 2013, I reported to Bank of America unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Advertising and marketing

Complaint: Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Prepaid card (General purpose card) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Advertising, marketing or disclosures

Complaint: I sent XXXX to a friend in Virginia to give to my sister because she needed the funds. Money gram took the money along with the fee from my card sent me a confirmation with a reference number to state the funds were ready in Virginia. When the receiver arrived she was told that the funds were not there and the number was invalid. I called money gram and after being hung up on several times I was told that they would refund {$2700.00} ( including there fees ) in XXXX4 business days. I explained that this was an emergency. They said no it was a scam area. I asked why did they remove the funds. I explained that my online account has sent money to this individual person and they said no. Now my family member is in danger because I do not have an additional {$2500.00} laying around to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CO).
Issue: Problems when you are unable to pay

Complaint: I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: GRLoans runs a commercial that advertises an interest rate of XXXX apr. However, the ad never states the term for the advertised rate. This practice need to stop. It is unfair to every other lender in the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XX/XX/XXXX I contacted the collection agency via certified mail, to request debt verification. I received a response on XX/XX/XXXX, which contained a generic printout with very basic information. The agency did not provided a copy of a signed contract with the original creditor, or a written statement from the original creditor. The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. Furthermore, the miscellaneous notes on the provided document indicate that the original debt occurred on XX/XX/XXXX, which is considerably more than FCRA allows negative information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Payday loan) with Big Picture Loans, LLC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company misrepresented the total amount to be paid on my loan. I was never told I would pay back {$6200.00} dollars on a {$800.00} dollar loan. They expect me to pay {$400.00} dollars a month until the whole {$6200.00} dollars is paid. I found out later after contacting them on XXXX/XXXX/2016. This was 2 months after the initial loan was taken out from them.

Company response to consumer: Closed with explanation