milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I worked with a debt collector to settle an account which i paid off. The debt collector reported to experian that the account has been paid. But when I requested that this account be remove, it was denied. The account is hindering me from finding a place to live for myself and my child. The response i was given was that the debt will remain for 7 yrs. But over the last two months i have paid off three other debts and requested the also be removed with no problem. I dont understand why sum debts can be removed and others even if paid remain no matter how detrimental it is to my wellbeing. Ive worked really hard to correct my past mistakes with my credit and have built a XXXX score from a XXXX score just a lil over a yr ago. I would appreciate any help if possible with getting this paid off debt removed from 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 non-monetary relief
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with Credit Bureau Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Closing/Cancelling account

Complaint: I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem {$170.00}. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a XXXX balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in XXXX that they mailed me in XXXX. This one piece of return mail forced them to close my account. The first person I spoke with said they had been receiving " all kinds of return mail '' from me. The manager later informed me it was only once. The acknowledged that they had since successfully sent mail to me and I had made payments and purchases since XXXX. Since my card was schedule to renew in XXXX and they received the return mail XXXX they decided in XXXX to close the account. I had this account for three years and was never late. I asked to see where in the cardmember agreement it states their ability to do this and they had no answer for me. The could mail me an agreement and it would takes weeks to receive one. This can not be accessed online. They say the only resolution is for me to write a letter to them asking to reopen the account. I would need to include all of the information that is requested on a credit application so they can evaluate and then decide whether or not to reopen the account and whether or not they will pay me the {$170.00} cash value of the rewards points I earned.

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 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has a PROBLEM with KEEPING OBSOLETE AND OUT-DATED MAILING AND PAST RESIDENTIAL ADDRESSES ON MY CREDIT REPORT! They claim they have gotten these addresses from " public records '', but decline to say what " public records '' they are! They have REFUSED TO REMOVE THE OUTDATED, AND OBSOLETE MAILING AND RESIDENTIAL ADDRESSES, ON MY CURRENT ANNUAL 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 non-monetary relief
Consumer complaint received 12/31/2017 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: Account information incorrect

Complaint: On XX/XX/XXXX and again on XX/XX/XXXX I sent Transunion a handwritten certified letter in regards to four accounts listed below. In the letters I requested Transunion send me verifiable information namely the original contract signed by me, in according to the ( Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. ) XXXX -- XXXX XXXX XXXX -- XXXX XXXXXXXX/ XXXX -- XXXX Each time Transunion has returned my request with no original contracts only a summary stating Verified and lastly Updated. Neither is what I requested in my letter to Transunion. Nor did they offer an explanation of their verificatio XXXX method. My request is simple either Transunion offer me the original contracts of these 3 accounts or in turn remove them from my credit report just as XXXX did. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom i t may con cern, After carefully reviewing my  XXXX  credit report i notice navient have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean navient is reporting the same account 2 times on my  XXXX  credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Automotive Services Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/2012, I got into a bind after totaling a vehicle and needed a new car bad. After shopping around I found it hard to get financing. I found a dealer who got me financing through automotive services finance and it was a disaster from the start. The dealer, XXXX XXXX XXXX XXXX, seen the vulnerability and got me a extremely overpriced vehicle at a terribly high interest rate but I accepted since I found nothing else. After two days of having the car the check engine light illuminated. I returned to the dealer, who is now permanently closed down, to get it checked and he told me I already owned the vehicle so it is none of their concern. ASF couldnt help me over the phone as well. Fast foward maybe about two years without missing a single payment. I am XXXX military and two days before XXXX the car catches on fire while I am on the highway. A bystander stopped and gave me a fire extinguisher and a follow me truck from the state of Virginia escorted me home watching that the car does not catch on fire again. The car was no longer drivable. I contacted ASF since I had GAP coverage but left to XXXX before a response was received. While I was on XXXX I sent numerous emails to ASF regarding the GAP coverage. My wife also sent emails and made many phone calls. We did not get any response and when we did get a response it was that someone would call me back. Finally when speaking to the account manager I was told someone would come out and make a estimate of the damages. That never happened. I was told they would store the vehicle for me and have a mechanic take a look at it. I shouldve known that was a lie just to be able to get the vehicle in there possession. After 6 months of making payments on time for a car I no longer had, I came back from XXXX and needed another vehicle. So I was forced to stopped making payments on the ASF vehicle to be able to afford another. The second I missed a payment is when they would start calling me but said GAP would no longer cover me since I no longer had insurance. Although I had insurance when the damage was done. They got a judgement on me and threatened to garnish my wages. The judgement is now showing on my credit reports damaging them terribly. The account is also shown as Charged-off, stopping me from obtaining any kind of credit from anywhere without a insanely high interest rate. I still make payments on the account since I want it removed and they came to a settlement with me, but the damage is already done to my credit history and will effect me for years to come. I believe this was very unfair practice from the very beginning to a consumer and a servicemember.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged. 
Pinnacle Credit continues to report the account as UNPAID

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with Everest Receivable Services Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. 

XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. 

I have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. 

This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. 

I do not believe this type of business practice is appropriate, let alone lawful. 

What steps can I do to stop all this harassment?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling numerous times of the day and evening every single day only to hear a recording when the xall is answered. This is unbearable and needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On XXXX XXXX XXXX I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. Yet, you can see the information is invalid & not verified. It 's as simple as seeing that they even continue to report inaccurate telephone number information ... as well as other inaccuracies & unverifiable information too. 

Additionally, TransUnion has also violated the Fair Credit Reporting Act by neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. Furthermore, TransUnion is not supposed to score the contested information against me during the verification process. 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX County Court. If they had, they would 've  discovered that much of what they 're reporting is inaccurate and incomplete. I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX County Court. 

I have also attached a letter from the US Bankruptcy Clerk  that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like  XXXX. This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Credit Solutions, LLC (KY) (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call and let it ring twice and hangup. I returned the call and a woman answered and said they will make note that I wanted them to stop. She then said that I was not in their computer system. 

This Company has called and hungup on me over 10 times already

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I  sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help 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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
Chase Auto Finance XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.

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