milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I request Experian remove the California tax lien that was filed and recorded in error from my credit report. I have tried to get this problem resolved by a dispute with Experian, and that did not resolve the problem. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Experian claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California per the CA Franchise Tax Board ( FTB ). California code requires the CA FTB to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state of California would meet the Experian internal policy for removal of a California state tax lien filed and recorded in error since the only thing they consider is the document title. This is unacceptable. 
Experian can only report a valid recorded lien. If a lien release includes the legend " recorded in error, '' that means that the underlying event Experian reported was never reportable because the original recording was in error. The only way to correct the credit file is to delete the record that was created by the erroneous recording. 
The CA FTB website at XXXX confirms this line of reasoning, stating : " If we file or record a lien in error, we will : Release a lien as filed in error to the applicable county recorder 's office or California Secretary of State. 
Notify the credit bureau agencies and ask them to remove the lien from your credit bureau report. '' The CA FTB has notified Experian the lien was filed and recorded in error, and requested removal of the lien from my credit report. The CA FTB action was as described on their website listed above, and supported by the attached documentation. 
Experian did not comply. 
I attempted to get Experian to remove the lien, and provided supporting documentation. Experian did not comply. Experian disregards requests for re-investigation for a previously disputed item as described in the attached dispute cart printout. The Experian suggestion that I can add a consumer statement to the lien does not fix the negative impact on my credit score, or decrease the price of credit instruments if I qualify for them. All of this is unacceptable. 
Experian is the only credit reporting agency that continues to report the California tax lien on my credit file. XXXX and XXXX removed the item based on the same release with notation the lien was recorded in error. 
As a result of the above, I seek CFPB assistance with this matter. 
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 non-monetary relief
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 06/17/2017 about Student loan (Private student loan) with SLM CORPORATION (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Predatory lending practices, deceitful, fraudulent. Interest drained to keep you in debt for life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting account is charged off when it was paid in full.

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 02/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I applied for a Bank of America Business Fundamentals Checking account. There was a promotional offer advertised on the Bank of America website for new business checking accounts. I saved a copy of the offer when I applied. The offer stated that new business customers could receive {$200.00} if they applied online for either a Business Fundamentals checking account before XX/XX/XXXX and completed a deposit of {$1000.00} or more within 60 days. I applied using the link on the Bank of America website. Within minutes, I received an email notification that my application had been received. On XX/XX/XXXX I received notice that my account had been opened. Within just a few weeks of opening the account, I deposited more than the {$1000.00} requirement for the promotional offer and have made subsequent deposits since then. However, I never received the bonus. I have been in phone contact with Bank of America several times (  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I am told that someone will look into the issue. I even mailed the bank a letter on XX/XX/XXXX with a copy of the offer. There has been no response. It is false advertising and just bad business to offer an incentive to attract banking customers and not fulfill the incentive. I met the terms of the offer and should have received the bonus.

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
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company XXXX XXXX XXXX that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my 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 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a tax lien that was paid and canceled with the state of XXXX in 2013. I have the letters from XXXX County XXXX Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 10/26/2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is my third complaint about Stallings Financial. I am providing their first response they provided to CFPB where they said they acquired this account on XXXX and sent correspondence to XXXX XXXX XXXX, XXXX Ga etc. Now they responded saying they sent notices on XXXX. I am also providing a rental agreement showing that I live in XXXX XXXX and my current address as of XXXX/XXXX/XXXX. Prior to this address, I was living at another XXXX XXXX address. As I stated before, I did not get mail to dispute this account. Please investigate their false statements. This company is difficult to deal with and I have informed them of my move and not receiving any mail from them to dispute this account in the amount of {$220.00} from XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I was charged a $ 20 monthly fee for a checking account and did not realize this until XXXX fees had been charged ( XXXX and XXXX XX/XX/2015 ). No checks were written for insufficient funds. When I complained I received an email indicating {$20000.00} was a minimum balance. I do n't recall being informed of that before and these fees were not levied previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. 

On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. 

On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. 

These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. 

I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. 

Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Auto debt) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX/XXXX/XXXX company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve

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 07/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Other service problem

Complaint: Huntington bank will not connect to the XXXX XXXX app properly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing a collection on my credit report that is keeping me from obtaining a please to live. The account is with an apartment complex I never lived in. I found out that my daughter put this apartment in my name and has failed to pay the delinquent amount owed. I did n't find out until I relocated and is unable to get an apartment due to this on my credit report. They are unwilling to work with me on a payment plan due to the age of the account. This not being my responsibility am I liable and what steps due I need to take to correct this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Closing/Cancelling account

Complaint: My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?

Company response to consumer: Closed with explanation