milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR XXXX OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the XXXX of Virginia using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than XXXX years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year XXXX when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX XXXX XXXX agency that says my application file was accidentally opened and opened by an agency in a XXXX XXXX than mine...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: our mortgage was sold to a different company. we got a letter saying to pay the original company through a certain date and then submit all payments to new company. we paid the original company as requested and have bank statements to prove it. the new company started calling requesting payment and we told them we had paid the original company as directed. we encouraged the XXXX companies to talk to see that the payment had been made. we were told things had been resolved, yet its listed as a late payment on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have several items to dispute, however the major one has been that one entity ( XXXX XXXX ) was not my bank, it was my husband 's and he died XX/XX/XXXX. Just recently, after a bankruptcy XX/XX/XXXX, I have been trying to reestablish my credit by getting a secured or other type of credit card and have been turned down for the reason the I am supposed to be " deceased ''. I put in a dispute with Exquifax tio start, and they, on two occasions ask me for other documents which I send them both times ( the same documents ). After 1-2 months I get an email that they finished the investigation. the link they send me to for results is blank and somehow brings me back to the beginning of creating the dispute process. I know I 'm not dead. The IRS knows I 'm not dead. I would imagine that a dead person does not have a credit rating, which I apparently do. How in the world can I get this resolved and then move forth with the other disputes to correct my credit reports with all XXXX agencies that are now listing me as deceased?

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with AFNI INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: I purchased a motorcycle back XX/XX/2015, which was financed through Synchrony Bank. When closing the sale the representative helping us at the dealership told us the payments would be automated and asked for our credit card information. The first payment was supposed to go through in XX/XX/XXXX, but it never did so I called Synchrony Bank in XX/XX/XXXX to see what was going on and what I needed to do to have them charge the payment to my card. They informed me that they did not process automatic payments via credit cards and that I 'd have to complete and return an authorization form allowing them to withdraw the monthly payments. I completed and returned the form along with a money order for the past due payment. In XX/XX/XXXX I noticed that, again, the automatic payment had not been processed even though I had mailed them the authorization form so I called Synchrony Bank yet again. I was told I needed to mail them the form again and another money order, so I did. After that, I did not hear from them again so I assumed everything had gone through. Yesterday a repo man showed up at my mailing address to repossess the motorcycle - I was not there, nor was the motorcycle so they left a message with my brother for me to call them. Today I called Synchrony Bank to ask what was going on and they told me that my account had been sent to the collection department so they could not help me. When I reached out to the collection department they forwarded my call to the repo department who hung up on me when I requested someone who spoke XXXX since my spoken English is not great.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed this account 3 times with the creditor Kohls/CapOne and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail to creditor Kohls/CapOne and XXXX, XXXX, XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the 30 days validation period. The creditor only responded to XXXX, XXXX, XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer? 
My fair credit reporting act rights are being violated by the creditor Kohls/CapOne by not providing validation of the account with the consumer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.

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 03-07-2016 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems.

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 08/27/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (PA).
Issue: Using a debit or ATM card

Complaint: I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 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: Information belongs to someone else

Complaint: I have written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my 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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation