milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX ( XXXX ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 XXXX  XXXX XXXX employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( XXXX ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by XXXX XXXX XXXXXXXX, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from XXXX XXXX XXXX for my camper and it was paid on time and in full to XXXX XXXX XXXX. I have written letters, I have done everything ( XXXX ) has asked me to do still no results. It started back in XXXX, 2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.

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 01-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Advertising and marketing

Complaint: When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Account Services Collections, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I sent Account Services Collections an letter on XX/XX/2017 about several ( 5 ) medical debts from the same collector that showed up on my credit report. On that letter I requested that they validate the alleged medical debts due to me being unaware of any outstanding medical bills that my medical insurance covered. In that I also asked that they provide the breakdown of fees including any collection costs and medical charges. I also asked that they please show me a copy of signature of mine with the provider of services to release my medical information as proof. In that letter they said that I was was informed in which I never received such letter. After receiving this letter I mailed directly to XXXX, XXXX XXXX, XXXX and provided them with a copy of my Id and Social. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. As I stated prior I have sent the information with my id to them on more than one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Using a debit or ATM card

Complaint: On or around XX/XX/XXXX, I attempted to withdraw {$60.00} ( {$62.00} with ATM fees ) from a small ATM machine inside of a gas station/convenience store. The ATM machine NEVER dispensed the cash that I requested. I disputed this transaction with PNC Bank N.A . TWO times immediately and my claim was denied TWICE by PNC Bank N.A . on or around XX/XX/XXXX and XX/XX/XXXX. In addition, just recently I reported some checks lost or stolen and placed a stop payment on those checks. As a result, PNC Bank placed a red alert on my account in the event that someone attempted to cash one of my personal PNC Bank checks. Sure enough, on XX/XX/XXXX, XXXX gentleman walked into a PNC Bank N.A . in XXXX, Florida ( XXXX XXXX ) with one of my lost or stolen personal checks from my PNC checking account. The PNC Bank teller did not follow proper bank protocol ( she did not compare the signature on the lost or stolen check to my signature that PNC Bank has on file in their computers ) and cashed this lost or stolen PNC Bank personal check of mine despite me not writing and the hand writing/signature was OBVIOUSLY not even close to my handwriting/signature. In addition, the personal check that was erroneously cashed by PMC Bank seemed to be altered and/or manipulated including the date amongst other things on the check. In addition, the Bank teller ( who carelessly cashed this check ) or Branch Manager XXXX XXXX even call me to verify if I had written this check to this unknown person and they even admitted to me that the Bank made ab. PNC Bank has failed and wronged me on several occasions including this occasion and are failing to reimburse me for the XXXX above transactions that I did not authorize or receive any benefit from. I dispute the {$62.00} ATM transaction on XX/XX/XXXX again and was told that I would receive an immediate credit to my PNC Bank checking account on the next business day but I still have not received a credit. In addition, I disputed the lost or stolen check on XX/XX/XXXX that was forged and cashed without my authorization and was told that I would receive an immediate credit the next business day but that NEVER happened AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: First I sent a request to XXXX to remove a Collection that was filed without notifying me about this issue. They did not remove the collection. 
them I contacted the Collection Agency Collection Bureau of America Just because I sent them a letter to remove the collection they immediately stated that they have verified such collection because I communicate with them. 
they sent me a letter that I owe them {$310.00} they did not pay attention to my letter where I am stating the inaccuracies and discrepancies XXXX fail. 

According to Sect. 623 of the Fair Credit Reporting Act states after you dispute with the Bureau you have the right to ask Creditor all the Documents that were provided to XXXX to prove their claim. I did not get such verification instead they sent me an itemized bill? 

I am disputing this debt because I do not owe it, back in XX/XX/XXXX I made payment arrangements directly with the company I made business with which is XXXX XXXX XXXX XXXX XXXX XXXX we agreed to settle this debt for {$220.00} which I did pay the records show that they received the payment however they Re-Sold the debt to a third party collection company. 

Also, I notify Collection Bureau of America that this debt was settled the same year back in XX/XX/XXXX, therefore, they are in Violation of the " Debt Collection Statute of Limitations '' which is 4 years for written contracts in the state of California the debt was settled in XX/XX/XXXX it is 4 years. 
Collection Bureau of America fail to contact me back when they got the collection Re-Sold to them, to my address in XXXX XXXX I live there in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX since XX/XX/XXXX to XX/XX/XXXX creating an Injury to my Credit Report and My Credit Score under FCRA sect. 604 ( A ) ( 3 ) in the hopes of keeping Negative Information in the Credit Bureau Longer under FCRA sect 605 ( c ) running of the reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ 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 09/27/2015 about Credit reporting () with CORELOGIC INC (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with ASTA FUNDING INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a subscription with Experian, and there is information on my report which seems inappropriate and counterintuitive. Background : Until last week, I had an open, non-mortgage loan with the Federal Government, and this loan was listed on my credit report as an item that was hurting my credit score. I have since paid off [ early ] the entire loan, and this has finally been recognized on my credit report, as my score went up slightly. However, I still have the same number of negative items ( 3 ) on my credit report. XXXX items have n't changed for a long time, but now there is a new " negative '' item that is hurting my score - " NOT having an open, non-mortgage loan! '' So, now my score is apparently negatively impacted by NOT having an open, non-mortgage loan. Until last week, HAVING such an open loan was the negative item. I contacted Experian about this, asking how having such a loan could be negative while now I have a negative item by not having such a loan. Experian replied by saying that it 's not a credit bureau but, rather, an online provider of reports, scores, and credit monitoring. I replied to them with a screenshot of their home page, which contains a link to purchase a " XXXX-Credit Bureau report '' ( since Experian is apparently not a Credit Bureau, I imagine that the report on Experian 's home page pertains to XXXX other agencies. In this era, so many decisions - some moderately important, some critically important - hinge on one 's credit report/score, and I feel that, as a consumer, I should be entitled to know the extent to which items on my credit report are either increasing or decreasing that very crucial metric, known as the credit score. Instead, I receive a suggestion to contact a credit counseling agency. I have no idea how an arbitrary credit counseling service would be able to explain Experian 's methodology to me, let alone why having an open, non-mortgage loan would have a negative impact while, now, NOT having an open, non-mortgage loan would have a negative impact. Why ca n't consumers know how the credit score is calculated when this score can literally shape a person 's life. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with Nations Recovery Center (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with Select Resource Group (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.

Company response to consumer: Untimely response
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

Company response to consumer: Closed with explanation