milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/XXXX - 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 08/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX , I suffered a total loss o f Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX , Bank of America AGAIN reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous compl aint ( Complaint Number   XXXX  ) was filed against   XXXX    on  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 non-monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with DISCOVER BANK (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with First Federal Credit Control (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is outdated, inaccurate and requested validation many times nothing received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 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: Account information incorrect

Complaint: I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely  my FICO2 w hich is used by lenders took a severe hit. I started the month of  XX/XX/XXXX  at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by  XXXX  was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX      and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX   ( which was satisfied in   XX/XX/XXXX  ) r emoved from my credit report on or about  XX/XX/XXXX .    My FICO2  score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

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 09/28/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease

Complaint: I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: I was taking money out of a Chase ATM Machine at a Chase Bank on XXXX XXXX in XXXX Ohio XXXX XXXX, 2016 at roughly XXXX. During the transaction, the power failed at the ATM, debiting the amount, while not giving me my money ( Approximately {$120.00} ). I immediately called Chase, who told me I would receive my money " within 12 hours '' and an email confirming it would be sent, which I never received. 2 days later, without the money, I called again, and was repeatedly told " another 24 hours ''. 

This happened for 3 consecutive days, being told my " money was in the process of being transferred ''. Each time I was told to wait, in that " 24 hours '' my money would be refunded. 

Finally, after over a week of no information, I demanded to talk to a superior. I was told the investigation was completed, and that my money *should* have been issued, but for whatever reason, it was n't because of an " unspecified error '', but they would offer me " conditional credit '' that they would give me, but take out in 7 days. I declined, as this is not a conditional credit since the matter was already resolved through investigation. Throughout this entire process, I was never told once about the Consumer Protection Act or any other remedies to this. That I would " have to wait until their computers figured it out ''. 

Demanding some sort of written confirmation, I was sent an email confirming that the investigation was completed 5 days after the transaction, and that the amount should have been immediately credited, which it was not. According to the Funds Transfer Act, the money should have been credited then ( I will be including the email ). 

Today, I called, a full 12 days after my money was taken, and was told it will take " another 48 hours possibly '' to get the money, although at this point, I have no faith that the bank will fulfill its promises to me, and they refuse to give me any written confirmation that the money will be returned. Every time, Chase confirmed that the money was not refunded, but could not give me a reason why. 

I have included the image of the email sent by Chase, confirming the investigation was completed on XXXX XXXX, 2016, as well a read-only XXXX file from the Bank, including all my transactions in the period XX/XX/2016-XX/XX/2016, confirming that the amount was not refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent in an Affidavit of Identity Theft back in XXXX 2015 to all three bureaus. XXXX has deleted the Public Records off but TransUnion and XXXX have n't, claiming it was verified, which is a boldface lie. Besides the public records, there where several fraudulently accounts open using either, my name, social security number and addresses that I did not live at, during the past several years. I 'm just becoming aware that I can fight and get these items removed because it was fraud. Even during the investigation someone tried to get cable service under my name in another state and I filed a police report immediately, when I receive a copy of the report from MN Police Dept, I faxed it in to all the bureaus, to show that even during an investigation of identity theft, someone was trying to open account yet again. Still no change with the removal of these adverse accounts of public records, cell phone carrier accounts and bank accounts continue to remain on my report. Faxed in all the required documents and with all that no change on TransUnion and XXXX part, if anything its been a nightmare being a victim of identity theft and then having to fight with bureaus is just insane. Then they keep adding additional things on my report, like where are you getting this information from? I 'm fighting to get things off and they keep adding thing. Then have the audacity to purchase their credit monitoring service, why would I purchase something and your reporting fraudulently items on my report? I have also requested removal of any other addresses and phone numbers, constantly told they will and to no avail additional phone numbers and addresses remain. Just want XXXX address and contact number, that 's it. How hard is it to do that? Its been an on going cycle since XX/XX/XXXX and I 'm just fed and ready to take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've completed a dispute on Equifax 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: citibank has been calling twice a day for XXXX10 months trying to collect a debt from a sears charge card. i do not now, nor have i ever had a sears card. although i have told them they have both the wrong person + wrong number they call anyway.

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 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian Credit Agency has information listed on my report from XXXX WA XXXX ( XXXX ) XXXX I have never had an account with XXXX They have just updated information on my credit report XX/XX/2016 and they constantly update this information once a month causing me to have a unsatisfactory credit score and report. This item was not verified I asked Experian to send me the information verified within 15 days and they did not. According to FCRA I am entitled to receive verified information within 15 days of decision, I did not. I want this item removed immediately. And I want them to not be able to report false information to the credit bureaus whenever they 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 explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
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: XX/XX/2018 Several Tire Orders were Cancelled. But, I was charged in error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.

Company response to consumer: Closed with explanation