milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company

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 04-04-2015 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (CA).
Issue: Managing, opening, or closing account

Complaint: I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with BOK FINANCIAL CORP (CO).
Issue: Deposits and withdrawals

Complaint: I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. 

Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. 

Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! 

I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Debt collection (Payday loan) with DYNAMIC RECOVERY SERVICES, INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.

Company response to consumer: Untimely response
Consumer complaint received 05/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 

1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 

2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. 

Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. 


If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
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 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. 
This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Medical) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all  XXXX  credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (MT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX I received a secured Mastercard through Capital One. On XX/XX/XXXX I called into Capital One to see if I could upgrade this secured account to a non-secured account. After receiving poor customer service, I made the determination to close my account. I asked the account manager what the balance due was in order to close the account and he said {$400.00}. Knowing I had a {$390.00} security deposit, and confirmed that could be applied to the balance, I made a {$1.00} payment to close the account. On XX/XX/XXXX I received a statement saying that I owe {$8.00} in interest that was not applied to my account until after it was closed. I called into customer service to report this as an error, and I was told that it was called " trailing '' interest that was not added to my account until after the statement cycle was over, even though my account was paid in full before this date. I asked to have this amount waived, and was told that it was not a possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.

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 11-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. The information listed on my credit report is too vague/ not adequate information to be reported as well. 

Tax Lien -- -- {$690.00} Public Record Details Reference Number XXXX Date Filed XXXX XXXX, 2011 Date -- Status -- Amount {$690.00} Classification -- Type State

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Saw some unauthorized inquiries on my credit report from equifax.Contacted them but they replied and tell me to contact the creditor.I am unable to get to the creditors.I was a victim of identity theft back in XXXX 2016 and I would want equifax to look at those inquiries again as I am unable to get an answer from creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Oracle Financial Group LLC. (NY).
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: In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: I had a checking account with Bank of America that I opened around XX/XX/XXXX. I never really used the account and my balance was usually less than {$50.00} since I did n't use it. 
I just looked at my statement and noticed I had - {$2.00} in it. Bank of America has been fraudulently stealing {$5.00} per month from that account since mid XX/XX/XXXX and never informed me that I needed to maintain a balance or it would charge a fee. Bank of America regularly emails me and has my phone number, and NEVER informed me. Now they will not reverse the fees.

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 08/24/2016 about Debt collection (Federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.

Company response to consumer: Closed