milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not help

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.

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 06-01-2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Bank of America checking account after receiving a targeted promotion for the " Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Bank of America denied my claim, stating that I " was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.

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 05-11-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I want remarks from XXXX XXXX XXXX XXXX to be removed from my Eqifax credit report because it is well over 20 year a old & should no longer appear there.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Medical) with Walwick, Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to resolve this issue with the CRA. I understand all CRA do not report the same way but if a company is reporting the appropriate information to ALL CRAs, there should be no reason that all my reports do not match. After a previous complaint with XXXX XXXX XXXX, they took appropriate action in noting they made an error. XXXX furnished me with a letter assuring that this account would no longer reflect on any of my credit reports. Ive given more than enough time for all CRA to comply with this verification letter from the lender company. However, even with this letter expressing I am no longer liable for this account and it will be removed, EQUIFAX still does not comply. XXXX AND XXXX COMPLIED IMMEDIATE AFTER THIS ACCOUNT VERIFICATION NOTICE FROM THE LENDER. Under FCRA 611 ( a ) ( 6 ) ( B ) Equifax should be held just as accountable as the lender. I am enclosing the same letter mailed to me stating this account is no longer liable to me and it shall be removed. I AM ASKING YET AGAIN FOR EQUIFAX TO COMPLY WITH THE LENDER AND REMOVE SUCH ACCOUNT FROM MY REPORT AS IT WAS STATED IN THIS LEGAL BINDING DOCUMENT MAILED TO ME FROM THE XXXX XXXX. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with Capio Partners, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Checking or savings account (Other banking product or service) with BARCLAYS BANK DELAWARE (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XXXX  is blocking me from enabling external applications in order to keep track of my account as I choose. I was able to do so in the past. This is a new development. 

After contacting XXXX they still refuse to allow this request for access. 

I understand I have the right to access my financial data.

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 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have called and faxed Experian stating they are not reporting my mortgage and XXXX XXXX XXXX credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX trade lines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my XXXX XXXX XXXX 2016 interest statement as proof. 

1 ) XXXX XXXX XXXX # XXXX 2 ) 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 05/20/2016 about Debt collection (Medical) with Experian Information Solutions Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: All collections have been paid and being reported on days which make no sense. Believed to be victim of cyber hacking or attack, identity theft since XXXX. XXXX was contacted. Reference number is there. Nothing is changing!

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 07/21/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.

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 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.

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 04-08-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not 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 explanation
Consumer complaint received 02/21/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. 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