milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Consumer Loan (Installment loan) with LendingPoint Holdings LLC (MT).
Issue: Taking out the loan or lease

Complaint: Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.

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
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is to inform you that on XX/XX/ 2017 I contacted the collection agency to have them validate the alledge debt till this day I have not received a response, the harrassing phone calls has stopped, the amount that is being reported on my credit report is wrong, it keeps going up and up every month, I would like for them to delete this account from my reports for they failed to provide me with any information pertaining to this alledge debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Call for help XXXX XXXX XXXX, I was starting a separation/divorce from my now ex wife. She, a former XXXX of Wells Fargo, had taken the role of managing our finances including all bank accounts. I, myself, have had an individual checking account with Wells Fargo since XXXX. On this XXXX day I went to the Wells Fargo branch in XXXX, Georgia to simply open a new account. As I walked into the branch, I stated to the lady at the teller desk that I would like to see the manager. Without my permission, the manager, prior to even speaking to me, sent a message to my ex wife telling her I was at the bank. The manager then came up to me asking why I was there. Immediately she says I can sign and the account will be placed back in my name only. Previous to this date, I was instructed that in order for my ex wife to be removed from my original account, now joint, both parties would have to be present. Embarrassed and feeling upset by this treatment, I signed the documents presented by the manager and left. I have complained to upper management, wrote emails, but I was treated as a joke. I am in financial ruin as I now can prove my ex wife, along with others have funneled money through mulitiple accounts over a span so far of two years. This has been made difficult to prove actually as Wells Fargo bank, since my first request in XXXX XXXX continues to deny me access to my own bank statements. I feel that Wells Fargo has assisted in my financial ruin. Why cant I find anyone to take just a extra few minutes to look closer? Why have I been shut out and denied my rights to my own information? Anyone can see that I am being discriminated against and not treated as a costumer of any bank should. I pray you can help. At this point, I dont know what else I personally can do. As I sit now just days away from loosing my XXXX parents home, I wonder when will someone take just a small amount of thier time to offer a helping hand in solving this matter. sincerly 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 10/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX checking account in XXXX 2016 after receiving in the mail promotional code XXXX. This promotion entitled me to earn XXXX XXXX Bonus Miles if I made XXXX electronic bill payment for two consecutive months and {$1000.00} in purchases using the Citibank Debit Card. 

These were required to be completed within 60 days after account opening ( meaning by late XXXX 2016 ). I am not sure what the problem is in Citi 's operations department, but I had to call customer service multiple times in XXXX and XXXX because I never received a debit card. I first needed the debit card before I could make the {$1000.00} in purchases as well as activate my online account to make the bill payments. 

Finally in early XXXX I received my debit card, over 60 days after account opening. I called customer service and explained the situation, and the representative explicitly told me I could still complete the steps and receive the promotion, even though it was past the stated deadline. The representative told me to call back in and report when I had completed the bill payments and purchases. 

I called in early XXXX to report that I had met the requirements, and I was told I would be awarded the miles within 90 days. After over 90 days had passed, I called on XXXX/XXXX/2016 and inquired about the status. After waiting 5 more days, I received an email stating " your account does not qualify for the promotion because the required bill payments and debit purchases were not made within stated timeframe. '' I called again and asked for a supervisor, who told me that " the Promotions team may have told you that you qualified this summer, but now they say you do n't. '' Had I been told this originally in XXXX and XXXX when I called, I would n't have kept my account open. I have been paying a XXXX monthly service charge each month waiting on the miles to vest and deposit into my account. I honestly believe that Citi enticed me to open an account with a promotion, then intentionally provided slow service and mixed answers so they could continue to collect my monthly service charge. 

I am extremely angry with this situation and Citibank 's response. Not receiving a debit card for over 2 months as it was supposedly " lost in the mail '' multiple times is unacceptable. On top of that, being explicitly told I was granted an exception to the promotion timeframe deadline, then being told the opposite with no recourse after Citi extracted multiple months of service charges, is ridiculous.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. XXXX XXXX- XX/XX/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 03/29/2017 about Debt collection (Auto) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: My complaint is against TransUnion. In XX/XX/XXXX, I noticed the account types had been changed for two of my paid off accounts. Though the accounts were paid off, a change in the account type from an installment to a revolving account with a XXXX balance would make the account count against me. These accounts had previously been reported correctly and had been paid off long before this arbitrary change was made. So, the merchant did not change the account type after it was paid off. Transunion made this unauthorized change. 
I requested that the account types be changed back to the appropriate type. Additionally, I made a point of telling them NOT to remove my good accounts from my credit profile- and yet they did it anyway. Transunion also removed a second good account, my federal student loan, which left me with a credit report skewed towards negativity. This is a common practice with the credit reporting agencies, some more than others. Transunion is notorious for it and I am requesting that they not only reverse the harm that they have done to my credit, but that they are monitored, regulated and occasionally audited in the future. 
This sort of permissible behavior contradicts the fair credit reporting act. If this Act is in fact legitimate, then I want to see it enforced! Credit reporting bureaus have far too much influence on consumers ability to enjoy the basic freedoms that are supposedly endowed to us as US citizens to be allowed to operate unchecked and unregulated. 
Enclosed you will find files containing a copy of the two accounts : XXXX XXXX and XXXX XXXX XXXX as they appeared when last reported correctly. The receipt of the complaint filed for not only those two accounts, but also XXXX XXXX ( XXXX ), which was also erroneously reported as being included in my bankruptcy. A copy of the results is also attached. A 2nd file shows all of the good accounts, most of which you will not find in the 3rd file, which is the last credit report that I requested. The cover sheet in file # 1 will show that I have been in Transunions file since XX/XX/XXXX, but strangely there is not a handful of good accounts on my credit report. Something is very wrong with this reporting system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 filed a complaint with consumer protection, in my complaint I specified the credit act requires permissible purpose, to request credit and specified that Experience is citing 'no specified purpose ' as the reason for the credit enquirer on  XXXX  counts.   There  1st reply  to this complaint says ' they are only loged when an enquiry is made '. Experian has ignored the law and is allowing companies to 'certify they have a valid reason ' for requesting my credit. Experian is accepting a 'certified valid reason ' as 'non specified and nothing specific '.   To give out a consumers credit report on  XXXX  counts for No specific reasons, is a violation of consumer rights.   The company Experian has also ignored the subject of  three le tters sent by attorney and not addressed the subject on the attorneys letters.     Failing a satisfactory response from Experian we will be forwarding all letters my attorney sent to Experian and all of  Experians r eplies to - Federal Trade Commission to read and investigate and enforcement.

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 Debt collection (Medical) with Jon Barry and Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have sent IRS No tice of Withdrawal of Federal Tax lien  to  XXXX ,  XXXX  and Experian to delete the entry from our records, and they have 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 non-monetary relief
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I notified Trans Union of my being a victim of identity theft. I have had to reach out to them and each time I am connected to a person that is not located in the United States who does not know Federal Law and consistently misinforms consumers. For instance, today, XXXX XXXX, XXXX I was told they are not required to follow up on disputes where the creditor does not abide by Federal Law and its essentially 'not legal ' for them to update a credit report even when fraud is confirmed. 
This company is permitting its agents to willfully misguide and misinform consumers on laws they are not themselves, bound by, given they are in a completely different country. 
My rights under the FCRA are being violated by this CRA permitting false and fraudulent information to stay on my credit in the face of confirmed fraud and identity theft.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST MIDWEST BANK (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.

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 11-06-2017 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: I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Every single inquiry on the report except for XXXX anXXXX XXXX XXXXXXXX auto are not his.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

Company response to consumer: Closed with explanation