milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: they are reporting late payments when the shouldnt and refuses to make the correctiions

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 04/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Over the last year I have filed several disputes, XXXX of them are listed above but there has been many more. I have attached a letter from XXXX which I have submitted several times, this stated XXXX will remove this inquiry, but has not done so. The next issue is relative to XXXX XXXX XXXX case # XXXX for an amount of {$2600.00} which was as a result of XXXX bills from a car accident. This was paid in full, I understand rulings from last year, state satisfied Medical Judgements should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian XXXX Account Number ( XXXX ), Name ( Collection Account ), Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ) -- -- -This account is due for removal XXXX. Now when it got close for it to be removed it changed to a later date. It 's been negatively reporting on my credit for 7 years already. Please remove ASAP. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Problem when making payments

Complaint: I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX  today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. 

Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have not been able to view XXXX response or submit my comments to you. The response was sent to my husband 's email and not to me. The complaint # is XXXX. I was denied credit because Experian reported that my Social Security # belonged to a deceased person. The SS # was entered twice by their agent in the store so they must have made the error twice. There was no attempt tto compare names and, except for their claim there is no proof that any of this happened. According to XXXX XXXX, in her letter, she tried to call me on XX/XX/18 but could not reach me. Another error due to her dialing XXXX rather than the correct XXXX. This is quite a pattern, After the failed phone call she claims to have sent an email which was not received. The email time was XXXX XXXX which means that the call was made before than. The letterhead shows their location as XXXX  UT and West address is XXXX XXXX SD. I believe phone calls that are made to OR that early are not legal.. In all XXXX  has issued a pack of lies in response to my complaint and that include lying to you, a US Government agency. This is not acceptable and I am hopeful that you can learn the truth and put a stop to their wrongfull denials of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in 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 12/25/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the  collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not removed a fraudulent XXXX account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with NAVY FEDERAL CREDIT UNION (AL).
Issue: Problem when making payments

Complaint: I got a loan through XXXX XXXX XXXX on XXXX XXXX, 2017 to pay off my personal loan at Navy FLU. The payment was electronic. I take to NFCU on XX/XX/XXXX and they have n't received the payment. They said if it was sent by XX/XX/XXXX, then they should have received it. I verified my account information which was correct at XXXX XXXX XXXX. I talked to XXXX XXXX XXXX and they said wait until XX/XX/XXXX for payoff. On XX/XX/XXXX, I checked online and the loan had not been paid off. I call NFCU and verified my account which was correct information at XXXX XXXX XXXX. No payment received peer NFCU. I called XXXX XXXX XXXX  and they said NFCU rejected the payment. NFCU did n't tell they rejected the payment or why. All the account information was correct. This action by NFCU is going to cause me to make another payment. I have wait for a check from XXXX XXXX XXXX. Due to the amount, I believe NFCU will hold onto the check for at least 10 days before posting it. Again, the will increase the amount of interest. My loan should have been paid off two weeks ago. NFCU did n't tell me they rejected it. I was led on causing me to pay additional interest and out of pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ocwen loan services keeps repeatedly calling our home after XXXX. They have called three times after XXXX. When we have asked them to call during normal calling hours they claim that they are. Tonight I received a call at XXXX and last night they called at XXXX. This is harassment and I would like for it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Adjustments Inc (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX 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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Public Record Information that is inaccurate in its filing. The case is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and by Consumer Rights the credit agencies have to state WHO has " verified '' this negative entry. This derogatory has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. Bloomingdales instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? Bloomingdales is not entitled to both.

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 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX had a policy on my car that would pay in the event of total loss, I had insurance with XXXX, my car was in an accident when a herd of deer ran across the road in front of me, I only made contact with one and it bent the frame of my car the cars value was {$11000.00} at the time of the accident, my bill was from XXXX for an initial amount of {$5600.00} to repair then the adjuster found more damage and wrote another check to repair shop for {$1100.00} more dollars and the car still pulled to the left, asked the adjuster why was n't it totaled, he said he had already totaled XXXX cars that day he would n't do another. the car wore out tires and pulled and made noises asked XXXX to tota it they said no, so I told them to come and get the car, to dangerous to drive, they then sold it for {$3000.00} and told me I owed them the balance of {$13000.00} .The company I bought my new car from called them while going through loan process and asked them why did n't they total it, they said have to take that up with someone else, and I still owed the original price of the car {$13000.00} after 2 years of payments of {$350.00} a month and are still trying to get me to come get another car for same payments

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Advertising and marketing

Complaint: I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements.

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 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.

Company response to consumer: Closed with explanation