milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have some collection removed from my file in XXXX 2017, then after awhile I look at Equifax and XXXX XXXX and they were back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (NC).
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: On  XXXX   XXXX ,   XXXX   I contacted   XXXX   XXXX   XXXX   XXXX  regarding the removal of my current mortgage serviced by Select Portfolio Servicing from my credit file. I spoke with a representative whom advised that   XXXX   had received an "  Electronic Communication  '' from  Se  lect Portfolio Servicing to remove the item from their credit reporting. I spoke with Select Portfolio Servicing on  the same day  XXXX   XXXX ,   XXXX  , and they advised that they had not sent any communication to   XXXX   regarding my account and it still should be reporting as usual.  Select Portfolio Servicing  faxed me a copy of the information that had been reported earlier in  XXXX  to   XXXX   f  or reporting.     Due to   XXXX   XXXX   XXXX   XXXX  removing my mortgage from my credit file, my  credit score  has dropped from  XXXX  to  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Credit Counsel, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.

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 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: There are more reasons then the one listed above for four years I have tried to be patient spending hundreds and hundreds of my hours of my life keeping in contact with all debit collectors, If XXXX XXXX credit card was right then why do I not have signed account form for the card they claim is unsecured, I never had an unsecured card with them, only secured so for four years you have illegaly allowed them to put a false account on my report as well as all the other issues. I only should have XXXX credit card, XXXX credit card, only XXXX things in collections XXXX, and XXXX and XXXX XXXX, that is not, not one other thing. Enclosed you will find letters I sent you registered and certified as well as XXXX XXXX and other companies telling them to prove it and havent. For over four years I have a huge paper trail, phone, fax to all creditors, debt collectos and credit reporting companies proving not only was idenity theft part of this, but the companies are wrong, like the other letter enclosed here, I told all of you XXXX, XXXX XXXX in association with XXXX, both of which you allied on my credit, I told you time and time again, and them over and over XXXX was wrong. I enclosed a letter in XXXX where XXXX tried to tell me I was wrong, but once I sent that letter to XXXX credit companies in XXXX 2016 saying I Was gon na sue, and credit companies contacted XXXX - XXXX all of a sudden a change of heart was made and look at letter XXXX 2016 where they admit XXXX made a mistake and a recall. For FOUR years you allowed this company on my credit. I am going to media and I am already meeting with lawyers, TRANSUNION, XXXX and XXXX, I have not received your {$5000.00} checks for breaking FCRA regulations. If you cant see I was going easy on you with all issues, I do n't know what telll you, If the checks ffrom all XXXX credit reporting companies for {$5000.00} and the issues not fixed, it will be hands of lawyers, attorney general and FTC down the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).

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 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is reporting inaccurate information in reference to XXXX XXXX account. I have disputed this account previously and it was deleted then later appeared. I contacted XXXX requesting information from the original creditor so that I could reach out to them, since I have n't done business with XXXX since 2006 and this gym is no longer located in my area. To date I have yet to receive anything from this company justifying as to why this old account is being reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: Received a bank cashier check for {$2800.00}. 
This was sent for a {$400.00} internet sale and the {$2800.00} supposedly was sent by mistake. 
I was instructed to send the difference less an extra {$20.00} for the XXXX XXXX. 
BB & T waited 3days before putting a hold on the check as suspicious but not until I had withdrawn the requested balance. 
The check proved to be a counterfeit and at the time I did not know it was possible to counterfeit a cashier bank check. 
I then contacted a XXXX from the BB & T fraud department and was told that I should have been suspicions of a cashier check from a obscure bank. I explained that I was just a retired XXXX on XXXX and how should I have known. When I asked XXXX if BB & T was going to investigate she explained that " they probably left the country by now ''. 
I believe that BB & T should be held responsible for the forged check for the following reasons : 1 ) From the direct words of BB & T fraud department the XXXX branch of BB & T where this was deposited should have been suspicions of the obscure bank the cashier check was drawn from. 
2 ) BB & T should never had issued a withdraw on a suspicious bank cashier check and instead should have waited until this hard posted. 
3 ) Expecting me to believe that the apprehension of the individual responsible for the counterfeit bank check is a pointless idea since they are now out of the country is ridiculous. Since when is {$2400.00} reason to leave the country? This only demonstrated BB & T lack of interest in pursuing the criminal activity and choose the easy route of holding me responsible for the funds. 
4 ) I have a second and supposedly unrelated checking account that was made with a cash deposit. As of XX/XX/2017 I am unable to access these funds and currently have no explanation from BB & T. This action has left me penny-less with now funds for fuel and food until my next XXXX SS check on XX/XX/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 explanation
Consumer complaint received 11/27/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Other type of mortgage) with Fidelity National Financial, Inc (OR).
Issue: Trouble during payment process

Complaint: XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Using a debit or ATM card

Complaint: wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a letter from XXXX stating they have requested to be removed from my credit history. Equifax refused to remove account. I have called and faxed over same letter. They are not being compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about  XXXX   XXXX ,  XXXX , I applied for a new conventional mortgage loan as a first-time home buyer through Citi-Mortgage and was assigned a new application number  XXXX . On  XXXX   XXXX ,  XXXX , after obtaining and reviewing my credit history and income,  Citi-Mortgage  notified me that I was " Credit & Income Approved. '' This notification was followed by a formal    Credit & Income Approval letter as well as the Pre-Approval letter. I was advised however that this approval was " good for 120 days. '' See Attachment A.      On  XXXX   XXXX ,  XXXX , I requested an updated pre-approval letter. On  XXXX   XXXX ,  XXXX , another representative at Citi-Mortgage was assigned and provided another application file number  XXXX , and stated as follows : " The 120 day period for your original pre-approval has expired. I can update this no problem, but I would need your permission to re-pull your credit report. Please let me know if that is OK. If so, please let me know if there has been any changes to the following : Current addres s Employer Income Asset b alances I can update your file and send the pre-approval letter to you tonight. '' After providing permission to pull the credit report and disclosing information about my race,  color, sex , marital status and age, on  XXXX   XXXX ,  XXXX , the representative stated, " I do see student loan debt on the report we pulled back in  XXXX  but it did not inhibit your approval. If it is in error, we can remove it from calculations regarding debt to income ratios but I can not do anything about having it removed from your credit report. '' See Attachment B.     Therefore when the conventional mortgage loan was given both credit and income approval in  XXXX   XXXX , the student loan that was appearing in the credit report then " did not inhibit '' my approval. However, on  XXXX   XXXX ,  XXXX , the pre-approval for the conventional mortgage loan under application file number  XXXX  was denied on the sole basis of my rac e, color, sex, marital status a nd age. See Attachment C.     There were no change in circumstances between the approval on  XXXX   XXXX ,  XXXX  and the subsequent adverse action on  XXXX   XXXX ,  XXXX . Therefore, the only basis for the adverse action was based on a discriminatory purpose such as race,  color, sex , marital status and age, in direct violation of the Equal Credit Opportunity A ct ( " ECOA  '' ).

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 09/26/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on 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 07/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: PORTFOLIO RECOVERY ASS has been trying to collect an account for   XXXX   XXXX   Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that   XXXX   XXXX    turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made   XXXX   XXXX   aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as   XXXX   XXXX   XXXX   is aware that this is a fraudulent account. I have supplied both   XXXX   XXXX   and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is  XXXX . They have this account placed against all  XXXX  of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I made a purchase of {$1000.00} on my Bank of America credit card. My receipt clearly shows the amount as {$1000.00}. The merchant inavertantly entered the amount into the credit card machine as {$10000.00}, {$9000.00} more than it should have been. I filed a claim with Bank of America. I saw no results so I called in to follow up. I was told it was because I had not submitted the receipt. I faxed in the receipt. I then got a message and uploaded the receipt. I then got a letter I signed and submitted the receipt a 3rd time. I then received a letter saying the claim was denied because I had not submitted the receipt. I went back to the merchant and had them refund {$9000.00}. The credit has not appeared on my account. I called back in and was told that my receipt did not have my account number on it, so my claim was denied. I called in again and learned they called the merchant one time but were not able to get hold of them. They supposedly called me one time, but did n't leave a message. I finally got a supervisor on the phone and had her call the merchant. I will be receiving the refund, but I will be paying the interest on the transaction. Bank of America did n't even try to resolve this until I was on the phone with them and forced their hand. At this point they promise me I will receive the refund on Monday, but I lack any confidence in BOA.

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 monetary relief