milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have had several different problems dealing with experian. 
Recently, I tried over several days to obtain my free, yearly Experian credit report. I initiated the request on the government website ( ftc? ) and was then directed to another website. 

The problem was that I always received a message stating I could not receive my report.I can not remember the exact wording but received a message stating there was some type of error Eventually, I was able to receive the report BUT I had to access it through the Experian website which I did not want to. 

Also, last year I had difficulty receiving my Experian report. Then, when I tried to obtain my report it falsely stated that I had already received it. 

Finally, in 2015 I receive free credit reporting through Office of Personnel Management ( OPM ) as a victim of the XXXX hackers.The experian information on that XXXX provided website ( myidcare ) contains inaccuracies but I could not dispute them because the Experian dispute form mandates a, report or case number which XXXX does not provide. 
It appears as if experian does not readily provide the mandated free yearly report and makes it impossible to report inaccuracies if those inaccuracies are noted on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Bank of America. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said " It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

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 Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make  payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit card protection / Debt protection

Complaint: i became XXXX with a XXXX told synchrony bank to activate d XXXX insuramce they did n't answer me! instead they sold the acct to a collection agency this fraud

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 08-06-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting an inaccurate late payment on my credit report.

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 10-05-2016 about Debt collection (I do not know) with N&S Partners (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.

Company response to consumer: Untimely response
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: According to XXXX XXXX, XXXX accounts have been put into collections. 
These accounts were opened as a result of an emergency hospital visit by my son. 
We happen to have the same name except he is " the XXXX '' and I am XXXX Our birth years are XXXX years apart, His address is the same as mine because he lives in our house. 
He is an adult and responsible for his own debts. 
The credit reporting company did not thoroughly investigate the debtor 's information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom  it may c oncerns, I am writing regarding a few accounts that have been on my credit report with   XXXX    for more than 7 years. I have contacted  XXXX  many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but  XXXX  has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to  XXXX  and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against  XXXX  because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX    XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with The CMI Group, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Debt collection (Auto debt) with Constar Financial Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.

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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This account is inaccurate. I never attended XXXX College in 2016.

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 01/29/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX   rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX  XXXX XXXX  XXXX XXXX a XXXX XXXX  XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.

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 09-12-2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (SC).
Issue: Problems when you are unable to pay

Complaint: I have had a loan with Check-n-Go for about six months.i pay them as best as I can, but lately I have had some financial hard times and some pay periods I have not been able to pay on time due to low funds from being out sick, XXXX. I contact the company to talk to them about my hardships to get assistance on making a double payment on the following pay period, but there is never any resolution with check-n-go.they continuously charge my bank account when no funds are available or before the designated due date of payment, and this causes excessive overdraft fees from my bank that makes it harder to pay the loan back, and even harder to handle my other household responsibilities.the interest is extremely high as well, and the company always claim im one payment behind and that is untrue.i feel like check-n-go is ripping me off.everytime I call its an argument with a specific representative. I have been a good customer and I 'm tired of the hassles.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Crosstown Law, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.

Company response to consumer: Untimely response
Consumer complaint received 12/27/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Opened new account, checking, with Bank of America in XXXX XXXX, Fl in XXXX. I was employed with XXXX XXXX. A XXXX XXXX XXXX, actually a fortune top ten. This was on a Monday morning around XXXX XXXX. My check was for about $ 4200.i ask the teller when the funds be available, she said 3 to 5 business days. I ask here to explain business days and why it varied 3 to 5 days. She said because it was a out of state company. The VP over heard our conversation and came over and introduced herself to me, she was very knoledgeable about XXXX, she made the comment to the young teller and me that XXXX had more money than XXXX XXXX, and XXXX had no long term debt. The VP told me she would approve deposit that day by XXXX XXXX. I then proceeded to write out all my monthly bills, ( 17 total ) all but one for less tha 100 dollars. due to I was going to be away from home for 2 weeks. When I got back home and opened my mail I found out I had been charged for 17 over draft fees of {$35.00} each, total of {$590.00}, then another fee of {$590.00} for the 17 checks because it had been over 5 business from the first charges, a grand total of {$1100.00}. I naturally closed my account and told XXXX to XXXX XXXX XXXX. They have since charged me over an additional fees and put this on my credit report, and on some type of national bank registers that prevents me from opening another account with another bank.

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 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on XXXX and ordered my annual free credit report from all XXXX CRA 's. I reviewed the report from XXXX but the site crashed before I could go on to review the reports from Experian and XXXX. The site then said that I had used up my free report review for the latter XXXX companies. I tried to write to them on their site but after emplaining the problem in the " contact us '' space I was unable to submit the request and received an error message. I would like to review my free reports asap.

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 06/25/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation