milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted  XXXX  regarding an upgrade on my cellular phone. I asked if I am to upgrade will it be a soft pull or hard pull. I mentioned if it is a hard pull I do not want them to pull my credit the woman insisted it would be a soft pull and will not show up on my credit report. Well I 've just reviewed my credit report and it 's showing as a hard pull. I contacted  XXXX  behind this matter and they 've insisted once again they only do soft pulls. I am extremely upset regarding this.

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 12/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease

Complaint: My account statements do not reflect proper amount owed and payments are not being applied to my principal correctly even after contacting relevant parties directly to correct these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (OR).
Issue: Account opening, closing, or management

Complaint: I am a patient of a XXXX in XXXX Oregon and needed some XXXX performed. The XXXX provided me with a credit application and I was approved. I did not know that it was an application for an outside agency called CareCredit / Synchrony Bank, but rather, I was under the impression that it was the XXXX office line of credit not a credit organization or banking institution. I was issued credit and never was informed that it was through a bank or credit agency. I have been paying payments in the amount of {$85.00} up to {$100.00} at the rate of 26.99 % interest in the unpaid principal. Of my payment of {$85.00} or {$100.00} only {$3.00} is being applied to the principal. At the rate of 26.99 % interest I will never get this bill paid. I feel that I was misinformed by the XXXX office that I was applying to an outside agency for credit, and then once the XXXX worked on me I have this unpaid balance on credit that will never be paid off in my lifetime. I believe this is unfair business practice by the XXXX and unfair business practice by CareCredit/Synchrony Bank for over charging of interest on the unpaid balance.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with William D. Meeker Enterprises, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear XXXX XXXX XXXX XXXX. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. 
Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Credit card) with Professional Placement Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification of debt that I do not owe and the company will not send me this information however they keep sending me letters for an account that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.

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 09-05-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Delinquent account

Complaint: In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. 
What type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. 
What Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. 
What company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: I received a phone call from XXXX stating that I owed $ XXXX dollars in outstanding taxes and that if I did not pay immediately that a warrant for my arrest was going to be issued. The person would not provide contact information. He forced me to remain on the phone. He wanted me to go to my local bank but they were closed, so he directed me to the closest Walmart. He then provided me instructions on who to send a Money gram to, XXXX XXXX, XXXX XXXX, NV. I sent them {$1000.00}. Through all of this the phone was on. The total call lasted XXXX hour and XXXX minutes. When I got home, I invested this further and realized this was an IRS scam. 
The same person called back this morning, from a different number XXXX, wanting more money. I hung up on them and they tried calling back XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: In late XXXX, 2015 several pieces of mail containing checks were stolen from a mailbox in front of a post office. XXXX check were written on a Chase bank account. Of these checks, XXXX were fraudulently cashed by the thieves and copies of these checks were also then washed and forged with unknown payees and cashed again resulting in XXXX frauds on each of these XXXX checks. The third check was cashed by an unauthorized party even though the payee wasnt altered. A police report was filed and Chase was notified of the thefts early in XXXX, 2015 and the account was closed. 
Several trips were made to the bank in the six months since the frauds took place and Chase has given credit for XXXX of the XXXX checks in dispute but Chase has failed to issue credit for the XXXX remaining frauds citing still pending review. 
I believe six months is more than adequate time for a review to have taken place and they have cited a lack of personnel in their reviewing department as a reason for the delay. I believe since they are responsible for the delay, the funds should be credited to my account in the interim. 
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I. XXXX sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by Wal-Mart, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX regarding this matter. 


ISSUE : This firm stated they were retained by Wal-Mart. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Bank of America sent me a letter in XXXX XX/XX/XXXX stating they reached an agreement with the Federal government and through this program they have forgiven part of my loan and that the forgiveness would be effective XXXX XXXX. The letter also stated that even if I was selling my house or paying the loan in full, I was still eligible for the forgiveness as long as the sale or payoff was completed after the forgiveness was processed. I call Bank of America shortly after receiving this letter and was told and assured by a Bank of America staff member that the forgiven part of my loan would be effective and processed on XXXX XXXX, XX/XX/XXXX We are selling our house and we set our escrow closing date after this date based on the information provided by Bank of America. Shortly after XXXX XXXX, our escrow requested a payoff from Bank of America and was given the original payoff amount. I called to find out why the payoff was n't reduced and the Bank of America staff member told me it still had n't processed but that I was n't eligible because I was selling my house. I spoke to her supervisor and was told the same thing. XXXX staff members told me that Bank of America is not in the business of giving away money and that my loan did n't qualify for the forgiveness because I was selling my house and not maintaining my loan with Bank of America. After I read the letter I received from Bank of America to them, they advised me they would have to research the issue but could take up to a week to get an answer. Finally, they agreed that my loan was eligible for the forgiveness after numerous followup phone calls and that my loan forgiveness would be processed by XXXX XXXX and that there was nothing they could do to expedite the processing. I called back to get help from another department that works with the Department of Justice and was told my loan was set to be processed by XXXX XXXX. Now it is the end of XXXX and they are telling me that ca n't give me a date it will be processed. I have been mislead and lied to by several Bank of America staff members and due to their processing delay the buyers of my home are threatening a potential law suit and the sellers of the home we are buying are threatening to cancel the sale if this issue does n't get resolved quickly. The delay, lack of response and misinformation by Bank of America has put me and the parties involved in the sale of our house in a financial bind. We need my loan forgiveness processed immediately before further expenses are incurred and the possible cancellation and law suit if this processing delay continues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2015 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Other bank product/service) with First Data Corporation (TX).
Issue: Account opening, closing, or management

Complaint: We had recently signed up with First Data to process credit cards. On XXXX/XXXX/16 we ran XXXX transactions totaling {$25000.00}. After a week, the money was still not debited to our bank account. I called customer service who directed me to risk management. After several days of calling and leaving messages, I reached XXXX who said they had closed our account because the phone number she had for us did n't work. She said they could not re-open our account and the money was in a holding account. I asked how we could get the money out of the holding account, and she finally said she would refund the money to the customers. After a week went by and the customers had not received refunds, I started trying to reach XXXX again ( as well as her manager ). On XXXX XXXX she finally called me back and told me the computer would n't let her refund the money, so she was going to try to process it through to us, but she needed copies of the invoices with the customer contact information to do so. I emailed them to her that same day along with a request to acknowledge receipt of them. I have not heard back from her since, despite leaving messages with XXXX and her manager nearly every day since then. They are still holding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: Public record information inaccurate

Complaint: Trans union continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with trans union directly on several occasions regarding this issue and I continue to get the runaround. Trans union has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that United States Bankruptcy Court is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact Transunion to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is TransUnion repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point TransUnion is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am asking that these two negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.

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 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Deposits and withdrawals

Complaint: ALLY BANK stole XXXX and would not return the money to me. they are saying that the account had {$0.00}

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a inquiry on my credit file that I dont recognize, I did not apply for anything nor authorize for my credit file to be reviewed would this removed from my credit report please

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