milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

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 05/20/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.

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 06/22/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Privacy

Complaint: I am a member of Costco Wholesale. On XXXX XXXX, I received a credit card from Citibank because Costco is no longer teaming with XXXX XXXX. I contacted Citibank, Costco, and XXXX XXXX. Because XXXX XXXX, as authorized by Costco, sold their entire portfolio to Citibank, XXXX XXXX refused to cancel my account before the final transfer date of XXXX XXXX. When I contacted Citibank, I was told that they would not cancel my account because they purchased the portfolio through Costco. Costco 's General Manager informed me that I had to work directly through the credit card companies. How is this legal? I do not want to give XXXX XXXX or Citibank my business.

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 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.

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 10/26/2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Other transaction issues

Complaint: On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Student loan (Non-federal student loan) with BRAZOS HIGHER EDUCATION AUTHORITY, INC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a loan through Brazos Higher Education that went into deferment and was being sent to my old address. I was then contacted by XXXX XXXX in XXXX, MA XXXX and reached out to them to make payments and the gentlemen XXXX XXXX at first did not agree to how much I could afford to pay him, so I then contacted to Brazos who agreed to the {$300.00} a month. I ended up out of work for a month due to surgery and received a letter that XXXX XXXX XXXX has put a lien on my mother 's house and trying to garnish our wages. 

I reached to the law firm asking him I could lower payments because I ca n't afford the {$300.00} a month at this time and he said no so I contacted XXXX when then I started receiving emails for the Law Firm saying he will only deal with me through court and is not coming to an agreement with me and when I have reached out to him again he wants nothing to with me, will not give me account number or tell me the 3rd party involved. 

XXXX also says there is nothing they can help with me since they turned it over to the law firm and I all have them emails to show that this has happened and the woman from XXXX 's her name is XXXX she is the only one in the office with that name, said she was reaching out to a woman named XXXX who was reaching out to the Law Firm. 

This is not right as I have a another loan with XXXX paying {$50.00} per month and have never had an issue with them. I believe I am being mistreated severely. I am dealing with a hostile law firm who wo n't agree to let me pay what I can afford.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

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 04-12-2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a credit card with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX I was separated from service with the XXXX with a debt I could not pay and I remained unemployed until XX/XX/XXXX. The debt was sold to Transworld Systems Inc. in XX/XX/XXXX-XX/XX/XXXX while simultaneously Treasury Offset was initiated by XXXX. Recently ( XX/XX/XXXX ) I received a letter from Transworld Systems Inc ( TSI ) telling me that the balance that I owe was several thousand over the initial debt and that TSI was attempting to garnish my wages. I contacted XXXX to provide me with the initial debt amount, I was told by a representative that they did not have that information. XXXX has collected my tax returns since XX/XX/XXXX leaving me with nothing and has allowed TSI to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted TSI for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because XXXX is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made my payments on time with the company in question every month. I used their automated website to make the payments. However, one month that i made the payment and they showed it as paid i received notice 30 days later that my payment was late. This was by no fault of my own as their website has said they received the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX / XXXX    XXXX   via  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  XXXX  via  XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of m y Trans Union cr edit report,, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Dear  XXXX    XXXX   XXXX   XXXX   : Why does your hard inquiry (  XXXX ,  XXXX  ) appear on my  Trans Union credit report (   XXXX  )? Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act?   Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.   Sincerely,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Dear  XXXX   XXXX   XXXX  via  XXXX   XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of  my Trans Union credit report, pursuant to the permissible  purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,

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 05-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I was disputing late fees on my XXXX limit capital one account and was having a very difficult time. This went on for three months until the account was late 90 days XX/XX/XXXX. At this time Capital One added XXXX in fees as late fees/collection fees/attorney fees, and refused to work with me. XX/XX/XXXX, they charged off XXXX, so the account was at a XXXX balance. They can not charge off an account, take credit for this on their taxes and still show this balance that I owe. This would be fraud. The XXXX has continued to grow until today it is at XXXX. 
They do this to show my credit use at XXXX % of limit which destroys my credit score, so I will pay the XXXX. Again if I do pay this and they charged it off, that would be fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in XXXX so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to XXXX and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because XXXX has phone problems - I ca n't hear the bank when I receive a call. I told the company about the phone issue - they are too stupid to understand. The bank stopped communicating. I have tried to contact the bank everyday for almost a month - they no longer reply.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX, XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX, XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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 06-05-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Information was provided to Equifax and XXXX without my authorization or consent. XXXX inquiries without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Tax Lien from XXXX couty should be removed from my credit report. It has been on my credit report from more than seven years. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: On XXXX occasions, XXXX XXXX 2016, XXXX XXXX 2016 and XXXX XXXX 2016, Chase Sapphire Credit card customer service agent confirmed that the Annual fee of {$95.00} will be refunded if I close the account within 180 days from the date the fee was charged. The fee was charged on XXXX XXXX 2016 and the account was closed on XXXX XXXX 2016 while declining their offer of XXXX points to keep the account active. When the last statement was generated, there was no refund and when I called them to inquire about the refund on XXXX XXXX 2016, they say that the policy has changed to only refund if the account is closed within 30 days and they say the policy change occurred on XXXX XXXX 2016 and they are not required to notify me of that change.

Company response to consumer: Closed with explanation