milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

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 08/27/2015 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: There are late payment showing on my account. I have never received a notice that I am late nor have I receive a statement, via mail or electronically, showing my balance or when payments are due. I have contacted the company to have my on-line account activated but have not receive a response. I 've been told to contact several departments. I 've been paying over the required amount to have overage applied to principle balance and I should have paid it off. My credit report shows I have {$800.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Delinquent account

Complaint: SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have aske d First Ten nessee to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it i s 6   years old  ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or 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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was informed by a financial institution that my credit had a credit alert. I was concerned because I had not place one since 2008. Back then I placed this alert as part of the products that Equifax was servicing my account. However, few years after I requested this feature to be removed. 
As I delved into the details of what was happening, I was told that even though a request was made year ago, there is circumstances that require adding these feature without my consent. Those instances were thirdd party involvement, etc. I became more troubled because this oversteps my rights to be informed of what happens with my credit. 
I requested that the fraud alert be removed. Another issue that has not been addressed in the past and I have gotten tired of the run around is my inability to access credit reports ( adverse actions or yearly credit reports ) online. There is a blockage autocratically imposed on my profile that restricts me from gaining access to my credit report. I have not been successful at doing this process online. 
Lastly, the request for additional information anytime I request a credit report. This information has been verified with the security questions. Also, my credit profile has my personal information submitted few years ago. Why do I have to do this process again? 
The ultimate challenge is when I dispute information ( with a representative ) and I do have to explain myself ( detailed ) because I am questioned about the reasons why I want it to be investigated. I understand that some information has to be explained, however there are limits. The questions asked by XXXX, the representative overstepped those limits.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Debt collection (Mortgage) with BOK FINANCIAL CORP (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (VA).
Issue: Managing the loan or lease

Complaint: I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file. 

On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. 

I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.

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 02/25/2017 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Georgia Crime Victims had took care of this bill. I was XXXX by XXXX people on XXXX property on XXXX XXXX, 2013. I was treated for my injuries and this program covered all medical expenses through there program. I had related to them that they need to use my claim number to find check number associated to payment that was issued. I do not owe or believe that I am responsible for this balance. These allegations are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PR).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Debt collection (Federal student loan) with ACS Education Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: had went directly to my employer with out ever contacting me, this has happened several times, even when i was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed unauthorized access to my personal information, including Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Medical) with Strategic Alliances, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was not informed that my personal information ( including my social security number, address, and other information ) was breached several months ago. I have still not been contacted, even after the news broke. I do not know, and it appears, have no way of knowing the full extent of what information of mine was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

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 01/22/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery has made harassing calls to myself and my mother, a female left @ least 2 different voice mails on my mothers phone, stating " they will be at XXXX home tomorrow to take care of this debt matter " or we will be at her home around XXXX to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe portfolio money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started

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 monetary relief