milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you

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 06/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these collections several times with XXXX, Equifax and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to pregnant medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian, XXXX and XXXX  are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.

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 06/13/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported 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 08-07-2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My name is XXXX XXXX and I have been a Victim of Identity Theft since XXXX, XXXX and XXXX. I have been working with my credit file and I have also had a freeze on all XXXX credit bureaus so I can monitor my credit what is left. XXXX Barclays Card ending in XXXX is still on my credit file, I have just sent them proof of being a victim in XXXX with IRS. I am asking for them to remove this alleged account from my credit file and I have sent them my police reports showing ID Theft. When I call their company at XXXX on XXXX XXXX XXXX to address this account, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX and XXXX XXXX there is obviously a problem with this account. I am asking for the fraud department to either close the account so it is not on my credit file or send me another credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After applying for a mortgage I found that there is a judgement on my credit report from XX/XX/XXXX. So I disputed it with Experian and investigated it on my own. I found that this judgement was obtained illegal and that the only information on this judgement that matched to me was my name. The address is incorrect and my social security number is not on the judgement. When I spoke to Experian they stated that the judgement has a address I used in XX/XX/XXXX. Only problem is I was residing in the state of XXXX in XX/XX/XXXX not XXXX. so they stated there not going to remove this invalid judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.

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 09-10-2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a debt to which I have no knowledge. The alleged debt was originally owned by another collection agency who XXXX the debt upon my dispute. It was removed from my credit file with both Transunion and Equifax. Apparently, First Federal Credit Control has purchased the XXXX debt and has now renewed the collection with the credit reporting agencies. 

I believe this act is illegal. The alleged debt was already disputed by me and XXXX by the former collection agency. A new collection agency should not be able to purchase a XXXX or already successfully disputed debt and then renew collection effort notice with reporting agencies as this could be an ongoing and never ending saga for the consumer. 

Once settled or successfully challenged, the debt should be non-reportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with Business & Professional Collection Service Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s )  sent me late notices in XXXX of XXXX. While I do n't have copies of them I do have copies of a bill from one of  their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly " re-aged this debt '' which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the " hospital collection service '' verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a Select Checking account at Suntrust, XXXX NC on XXXX XXXX, 2017. There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I have contacted the bank several times. First they said I did not provide US address and SSN, which I did provide when opened the account. Then they said they would investigate the case. After that they did not provide further information or solution.

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 02/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Dear Consumer Financial Protection Bureau, This is about Case # XXXX I can not sign into my ( cfpb ) account to see what the status is with my BOA complaint. 
So I am sending this via new complaint site. 
I had sent ( w/o a return receipt ) a Signature Affidavit back to BOA in XXXX XXXX that hey asked me to fill out and get notarized. I then in XXXX XXXX received a letter from BOA stating that my case was closed because they did not receive the signature Affidavit back from me! 
Yet I never to this day received any returned mail. 
I then sent all of the Signature Affidavit ( with a return receipt ) and with their letter to open the case back up to the mailing address they stated again. 
I am in possession of the return receipt that was signed by BOA on XXXX XXXX, XXXX. 
I also have a copy of all documents that I did sent in XXXX XXXX. 
So far ( XX/XX/XXXX ) I have not heard from BOA by phone or mail regarding this case. 
There was a phone call on my answering machine that I could not deceiver what it was saying because the foreign person had an extremely strong accent .... 
I am still very upset over this run -around they are giving me now by ignoring me and refusing to correct this matter.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate information ...

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 08/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in 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