milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXXXXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX 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 07/27/2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK. 
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue. 
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ). 
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX. 
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line. 
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my annual report but they seem like they comply.I have this problem every year.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Collections U.S.A., L.L.C. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.

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 04-06-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks

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 01/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

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 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SOUTH PACIFIC FINANCIAL CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Consumer Loan (Installment loan) with MiraMed Revenue Group LLC (IL).
Issue: Problems when you are unable to pay

Complaint: This is from XXXX Hospital where my insurance says they double billed me & wo n't pay. 
So I have been making payments to the hospital. 

Therefore it should not be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my XXXX credit report, now the accounts is back on my XXXX credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. XXXX previously deleted and permanently blocked the accounts from my XXXX  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 non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

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 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX hard inquiries on my credit report for a car loan that should only be XXXX as XXXX does not give car loans they only acquire loans through XXXX. It is listed as XXXX separate inquiries.

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 12/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Other

Complaint: Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.

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 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened up a XXXX XXXX rewards credit card. The credit card had about {$60.00} of XXXX rewards. The rewards have since vanished. This is not acceptable. I want my XXXX rewards back.

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 09-02-2015 about Credit reporting () with EQUIFAX, INC. (VT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File Number XXXX Employment Data Reported Dated XX/XX/XXXX was right on the information for Employment Data Reported for some reason the report issued on XX/XX/XXXX only shows XXXX employment not the 2 I current work for in which I have attach my current 2 employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX These do not show and I have work for them since XX/XX/XXXX I do n't why Transunion has errors as they do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (MD).
Issue: Making/receiving payments, sending money

Complaint: the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else.

Company response to consumer: Closed with explanation