milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Credit reporting () with Checkr, Inc (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is a complaint pertaining to a background check completed by my employer. The company Checkr , Inc is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.

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 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.

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 02/22/2018 about Debt collection (Medical debt) with DataMax Corporation (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: REFUSED MEDICAL ATTENTION WAS DENIED BY INDIVIDUALS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with BC SERVICES, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called regarding the message left on our home recorder that people heard in the room concerning a debt. they stated they were a debt collector and continued with the mini maranda. i calledXXXX XXXX and they said that i wa reposiable for his bill that we have been paying on. then i recieved a letter concering this debt on XX/XX/XXXX that stated both our names on the debt. when i called about that letter they said i was liable for the debt. on XX/XX/XXXX i recieved a letter about this debt just in my name. i sent a cease and decease letter to only communicate through the mail only. i also asked for an itemised bill that shows this is my bill only. I do believed this bill since it has the same acct # number can be a HIPPA violation for releasing medical records without the consent from my husband.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I attempted to reach out to transunion to dispute a slew of credit inquiries that are reporting on my credit file inaccurately or in complete error. However their customer service would not assist in deleting the negative remarks for the below inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with Experian in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Other

Complaint: My Barclaycard account was closed, but went to collections. The collections company DID NOT place the account on my credit report, because I settled it in full right away. However, Barclaycard refuses to update my credit report to say that it was settled in full. Even after I disputed it, they have it marked as a charge-off. I need this to be updated, as I am trying to fix my credit.

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 08-05-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: A delinquent account is reported to my credit agency, after I refuse to pay charges that have no explanation and no justification for the charge. I am provided no information that assists neon verifying any location, date or service. The only information I receive is that if I do n't pay it will affect my credit which it already has!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OK).
Issue: Account opening, closing, or management

Complaint: I moved into my home in XXXX of 2014. Since then I have been receiving statements for the previous occupants. I have been returning the statements through the mail with a line through the address and XXXX written on the front of the statement. When that failed to stop the flow of statements I called JPMorgan Chase 's customer support line. The customer support representative told me to bring the statements to a branch which I did. When I received additional statements I filed CFPB Case number : XXXX. I have received additional statements since filing the complaint so I am opening an additional complaint to cover the new statements.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice 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 07/13/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: On XXXX XXXX, 2015, I was traveling with my wife on XXXX XXXX Flight number XXXX from XXXX to XXXX. The pilot came on the speaker at approximately XXXX CDT and announced that if we applied for an XXXX XXXX Advantage Card, we would receive a sign up bonus of XXXX frequent flyer miles and if we turned the application back into the flight attendant while on board we would receive an additional XXXX frequent flyer miles. Both my wife and I applied and turned our applications into the flight attendant. When the flight attendant brought us the application and we saw it only mentioned XXXX miles in the application, we questioned her to make sure we understood that if we applied, met the other qualifications ( spend {$3000.00} within 90 days ) and were approved and it occurred while on board, we would received a total of XXXX frequent flyer miles. The flight attendant assured us that this was correct. Also the application noted our flight number ( XXXX ) next to our signatures. 
We were both approved and when the literature arrived, describing the card and its benefits, it did not mention any supplemental benefit, i.e., the additional XXXX miles. I immediately called Citibank and spoke to a representative and gave him all of the details. I received a letter on Friday XX/XX/XXXX that said they had investigated my complaint and they advised they could not approve the additional miles. I have covered my damages by buying XXXX miles for {$860.00} today. I observed several other passengers apply the same time I did, so there may as many as XXXX-XXXX other parties affected. They would be easy to find as the application date would be XX/XX/XXXX, XX/XX/XXXX or at most the XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX ACCOUNT IS STILL REFLECTING OPEN AND COLLECTION ATTEMPTS MADE

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Auto) with TMX Finance LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Last year I contacted Sterus, Inc. about my inability to contact them with regard to my mortgage modification I have with them, I was not receiving documentation and was unable to send communication or speak with key departments, such as escrow or insurance. After about three months of this last year, the communication was fixed and I did receive my documents and the link on my account with this company seemed to be corrected. 
In XXXX, 2015, I contacted customer service to discuss my insurance which is included in my payments, actually thinking I was speaking to Seterus, Inc., but in fact was speaking to an outsourced divison in NC. In any event, they failed to take down my notes on insurance changes and no one got back to me. My new agent tried to handle this for me and they refused. I was trying to reduce the cost of my insurance to keep my payments the same or lower because I am on a low income. The current insurance company continued to raise their rates and its almost XXXX a year. I found a company to do the same thing for XXXX. After the phone call from my new agent, I called to speak to Seterus and they advised that an escrow analysis is currently under way which means that the negligence of the call center may cost me my house. Also I have notified the company more than once, that it was my intention to change insurance to keep costs down. So today when I called I was upset to find out not only did they refuse to pay the new insurance, they had paid the old one early. In speaking to the insurance department ( customer service did not help me at all here either ), I found that if approved the new insurance it would create a deficit in the escrow that would drive my payment up to an amount I could never afford. I needed to send a message to the escrow department to either hold the escrow analysis for a month or simply ask their advice on this matter since it is their common practice and it does DIRECTLY IMPACT MY MONTHLY PAYMENT ARRANGEMENT WITH SETERUS. 
I asked the supervisor ( XXXX XXXX ) to notate his refusal to contact the escrow department, or his refusal to make notes for the escrow department and also to contact yet again the IT department for the website, so I can send a letter via email to Seterus. 
I need to speak with them directly to clarify how to handle this expeditiously and keep my payment down. It just seems to me that they are trying to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian Date : XXXX XXXX 2017 Report # XXXX Experian has on XXXX XXXX XXXX XXXX showing {$1900.00} as written off I need from from Experian from XXXX XXXX XXXX XXXX there was {$1900.00} written off. 

This car was traded in on another car with the title.

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