milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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 sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 ask for Validation from   XXXX   XXXX   because they are reporting a account i am not sure of i was sent a letter stating Account information is not available? i also asked Experian to verify and I would Like Proof As per Se c 605, 609, and 623 n o proof was every provided but replied back that  XXXX   XXXX  Verified account and updated it on  XXXX   XXXX ,  2017   .

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 08/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Sometime in late XXXX I received an offer from Citi bank to join their CitiGold Checking account program. The literature stated that a bonus of XXXX TY points would be awarded if I met the required terms and conditions. This seemed like a decent deal to me ( given the fact they charge a high monthly fee for the account ). Once I had met these conditions I sent a secure message to confirm that I had all the details correct. I received a message in return stating that " yes, I had completed all the necessary requirements '' and was given a date when the points would post. This date passed and I sent a second message inquiring as to what the delay was. I was then told that I was n't eligible because they believed I had not originally been targeted. This application was submitted in XXXX and I naturally do not still have the slip I received from them about the offer. I have screenshot the message from the rep stating that they had in-fact confirmed my eligibility previously. More disturbing, is that when I attempted to access the older messages where they had confirmed I had met the requirements I was unable to do so.

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 09/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. 


DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: my bank XXXX payment to XXXX card an unauthorized amount of XXXX let them know on XX/XX/XXXX of the problem and they informed me that they could not do anything until the check did not enter and they told me to come back when they charged it and when I returned on XXXX the day they charged I was told in very bad way that they could not do anything, then the supervisor agreed to fill out papers to make the claim to the XXXX then I returned and they told me that the paper they filled was not correct and they filled another and today we are on XX/XX/XXXX and XXXX do not inform me anything. Please I need your help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016

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 12-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: I entered into a loan for {$600.00} on X/X/2017. When I went to the website to submit my payment there is a minimum payment due of {$180.00}. I 've made {$180.00} payment every two weeks since XX/XX/XXXX through XX/XX/XXXX for a total of {$2100.00} debited from my bank account. I have bank records showing each debit as well as the initial loan deposit. They are still asking for the full balance of the loan plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other fee

Complaint: On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
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: I had a American Express Corporate credit card with my past employer XXXX. I had the card for 3 months and always paid the bill in time Just before leaving XXXX - I had booked a business trip which finally I did NOT end up taking, the Airline had a non-refundable ticket which even after being cancelled showed up as a charge on my statement I was contacted by American express and was asked to contact XXXX XXXX at XXXX who will help me file a expense report. I contacted this person 4 times and left detailed voicemail -- I did NOT get any response back American express is now harassing me by calling my cell number, sending updated bill with penalty charges every week I had explained to American express customer service agents multiple-times that this is NOT a bill am willing to pay - since i did NOT avail the flight services for which the charge is shown on the credit card The attached statements show the frequency & threats of the collection mails and harassment by American express

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute to Equifax in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as 30 days past due. after receiving my results from Equifax I called XXXX and they told me that they did NOT verify to Equifax anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that Equifax correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with SYNCHRONY FINANCIAL (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: no consent given or obtained by me for this debt, no contract signed

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 05-12-2015 about Debt collection (Payday loan) with Triple AC Resolutions (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They are calling my parents threatening them with collection of my " unsettled '' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009.

Company response to consumer: Untimely response
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Federal trade reference number  XXXX . All fees were paid to the  XXXX  Apartments in installments as instructed by the employees of  XXXX   XXXX . The reported on   XXXX   and now they are reported non payment to  XXXX . I was paying   XXXX   XXXX   Apartments while living at  XXXX   XXXX   ( sam e management company  ) Plea se see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Response was " consumer disputes after investigation '' No change. 
several of my accounts held by XXXX XXXX ( Student loan servicer ) On XX/XX/2016 I received a response from XXXX XXXX that they would make corrections to my CR with the application of a retroactive hardship. XX/XX/2016 the information updated and corrected via XXXX and XXXX, Unfortunately not with Equifax. XX/XX/XXXX I disputed the information only to receive the response above ( makes me question their investigation ). 
I wish to make a formal complaint and supply a copy of the letter received from XXXX XXXX ( Also supplied to Equifax ) and a screen shot of one of the same account XXXX VS Equifax. 
XXXX is the servicer on several loans and none of them have been updated with Equifax. They are all reporting the same error! I am requesting correction or removal of the Trade lines. I have every intent to seek legal assistance to recuperate the cost of higher interest payments, deformation, and missed opportunities at securing credit due to their errors. Please Contact Borrower XXXX Department by phone at ( XXXX ) XXXX, or by email at XXXXXXXXXXXX If Validity of email is a question! 

US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with DISCOVER BANK (TN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company requested confirmation of insurance. This were supplied multiple times without acknowledgement. We attempted to call multiple times without being able to access a person and without finding a solution in their electronic system. Mortgage provider is now charging us {$640.00} to provide us insurance despite the fact we have demonstrated proof of insurance. We have again faxed and called without result. We want to avoid an unnecessary charges and are looking for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me. When contacting the company the account is listed as XXXX. My name is XXXX and XXXX has never been my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my 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 05/27/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was first informed of a {$120.00} outstanding balance owed XXXX Hospital, from a XXXX XXXX, 2015 XXXX visit, on XXXX XXXX, when my FICO score dropped XXXX points ( XXXX to XXXX ) despite NEVER having received a single bill from either XXXX Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. 

The XXXX Hospital intake form collected XXXX separate options to contact me, yet I was falsely reported delinquent on a balance of {$120.00} ( less than 2 % ) of my bill, without ever being asked for payment. 

When I asked ( PMS ) to validate the debt, they sent me a master account query from XXXX XXXX dated XXXX clearly showing that for my bill totaling {$7000.00} XXXX received 100 % of invoiced amounts within 30 days of the visit : XXXX - {$250.00} copay at the time of service XX/XX/2015 - {$2500.00} deduction XX/XX/2015 - {$4100.00} from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither XXXX Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the {$120.00} bill. 


I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or around about XX/XX/XXXX I mailed out a certified dispute validation letter to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Portfolio Recovery Associates stating that on XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) has concluded its investigation of your dispute and is closing your account. With XXXX balance. But have not removed the negative item from my credit report. I have made every attempt to resolve this matter as the damaging inquiry on my report continues to hunt my credit score. I can not get them to contact me or respond in any form of communication.

Company response to consumer: Closed with non-monetary relief