milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX. 

In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Open an account during their {$400.00} bonus promotion. Completed all the terms and yet to receive the bonus. First time I talked to them they opened an investigation and it was verify that I completed all the terms and to wait. Two months later I talked to them again and now they 're telling me they will open another investigation and to wait again. The term was to deposit {$15000.00} into a new account for 30 days and the bonus will be deposit in 90 days. I completed the {$15000.00} deposit on XXXX/XXXX/2016 so I should have received the bonus around XXXX2016.

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 08/24/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect 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 monetary relief
Consumer complaint received 11/25/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Dynamic recovery solutions keeps calling me after they have said they 'd cease all communications. I do not owe dynamic recovery solutions or anyone else any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company   XXXX   times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by Experian and   XXXX   because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery XXXX XXXX,2012 Amount : {$XXXX} I 've disputed with portfolio recovery with XXXX they failed to remove my account. I do not have a signed contract with Portfolio Recovery Associates this account is invalid. Please remove this account. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report. The credit report showed an inquiry from Citibank Na., Best B, that I did not authorized. I contact Citibank Na., Best B, and they said they have no knowledge of the inquiry, but it's on my credit report. I also called XXXX to dispute the inquiry and was told they don't dispute inquiries. Please have this inquiry removed from my credit report because it is making it very difficult for me to acquire 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 09/14/2016 about Debt collection (Medical) with MiraMed Revenue Group LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: CASE # XXXX My account number is XXXX XXXX XXXX XXXX ( this account was closed and I was issued a new card ) My English is terrible, and would therefore try my best. 

on approx XXXX or XXXX I was charged {$12000.00} and I called in few month later explaining that I never received the merchandise " I DID NOT DISPUTE IT AS FRAUD '' I was nicely given a refund and all was good. 

Then approx XXXX the refund was reversed and I got a letter stating that it's because I gave the merchant access to my card. 
" OF COURSE I GAVE THEM ACCESS, HOW ELSE WOULD THEY BE ABLE TO CHARGE ME, THE FACT THAT THEY DID NOT DELIVER IS WHAT BANK OF AMERICA SAID THEY WILL COVER ME '' So I was given a list of paperwork to email or mail in and then I was given a fax number where to faxes, I faxed in all requested documents. I then received a direct phone number and I direct representative to deal with. However, every time I called and they played games with me and they told me that has to be escalated and this is not acceptable in anyway I have proof from every angle which I will not release on this's first attempt to resolve it periods shows Bank of America come back with excuses which is they're deceptive lies and corruption I will prove to them all my resources I have. Including and mainly the merchant admitting to me that he refunded it but did not have phones in his account on the refund and therefore it did not go through and in fact he even apologizes to me for filing through. In the meantime I was promised I will not have to pay interest until he finishes on the investigation that didn't a hold true for several months the last three months I didn't pay a lot of money for something I did not receive and I dated a lot of interest and I beg of the consumer financial protection bureau to help me get all my money back. I will attach to this complain the letter which I send to Bank of America I will also attach Bank of America 's letter lying to me and telling me they can not revise the revised phone of course I gave them access to my account. And it's so stupid because every time you do a purchase you give access to XXXX but I have protection that if I don't receive what I paid for a Bank of America you'll take responsibility.

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 11-02-2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Closing on a mortgage

Complaint: I am the seller. The buyer is a XXXX veteran, who contracted to buy our home. 
XXXX chose to use Chase Bank for the VA loan. XXXX has been getting pushed around by Chase repeatedly being asked for multiple documents a few days before closing. 


Here is the situation : Seller accepted a position in another state in XXXX. The condition of employment was to obtain full residency. House was contracted to buyer in early XXXX with a closing date of XXXX. 

New employer flew seller back Thursday, XXXX to complete the closing and to be present on site for the movers that were assigned to move XXXX 's family belongings. 

Seller 's realtor attempted to contact the loan XXXX, XXXX XXXX several times to get confirmation of the closing. XXXX finally received communication on Friday afternoon, XXXX. XXXX business days before scheduled closing. Chase loan XXXX provided no information as to why. 


Detrimental Repercussions : Documents were signed off with the movers ( XXXX XXXX XXXX ) with an estimated delivery date of XXXX to sellers new home in Arizona, which was scheduled to close XXXX Due to last minute of change : o The contract with new home is hanging by a thread and could potentially kill the deal. 
Sellers will not have a place to live, which will cost seller hotel fees until such time we are able to find a place to rent Moving company, XXXX XXXX XXXX is quoting us an estimated cost of {$3700.00} for storage which my employer will not pay Seller will lose our money paid out for inspections Seller loss of XXXX loan application fee and XXXX have to start from beginning Requested Chase to help and escalate. XXXX will not respond to any calls or emails. Loan XXXX will not speak to anyone. 

Resolution we are requesting : XXXX at the end of XXXX week or very early week of XXXX OR XXXX and reimburse us for fees due to XXXX not communicating and not completing on time

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My name is XXXX I am a victim of ID Theft AGAIN, I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report which are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as this date that you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C U.S.C section 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit file. Please do not respond to my request by saying that those accounts are verified. If you do not have documentation for those accounts are verified # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX, please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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