milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2017 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: Creditor Name : XXXX XXXX Account number : # XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX and Transunion. Transunion and XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have had a Citibank credit card since 2008. Recently, I was going trough my credit report when i noticed the balance on my Citibank credit card i have on auto-pay does n't seem to be going down. I then contacted Citibank and they proceed to tell me that i have had a service called " Payment Safeguard '' activated on my account ( which i never authorized ) and it had been charging my credit card a monthly amount to have the service. So i was paying 26 % interest on the account, along with a $ 20+ monthly " safeguard fee ''. I was never contacted by Citibank to warn me that this was occurring, either by phone or mail. This is the most outrageous thing i have ever heard. I did not request to have this service and i want a refund for the money that is not theirs.

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
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I told my debt collector that I got in XXXX different car accidents and that I had to pay for my deductible and car rental out of pocket along with being very ill. I told them that I could n't pay them at this time and that as soon as I get enough money that I would make a larger payment towards my debt. I was not working and that I only received SS for a XXXX and I get oaid once a month. I did have a part rime job but that ended several weeks ago. I asked them in a nice manner to stop calling me they said that they have to collect the debt and I told them I understood but they were making me sick harassing me and please stop to slow down the calls so that I can get better. They have nor stopped their calls at all they call every day, every XXXX minutes from XXXX to XXXX at night. I ca n't take this harassment anymore due to my XXXX XXXX. I 've told them that any time I had a problem paying that I would let them know and when able I normally double up on my payments to get back on track. I even created a post dated payment on their website for this month and they are still calling and now texting all the time. I 've literally gotten XXXX calls a day from the same company and they do n't even bother to leave a message they just call back every XXXX minutes. I never knew that this was exceptable behavior for a debt creditor and that although I owe the debt I have been with them for several years and have always paid. I 'm considering blocking or changing my number because I ca n't rest or do any daily activities in peace. I 'm in school too and they call all day and ca n't even concentrate, listen to instructor, or take a test in class in peace due to the constant calls. If you need documentation to prove my claims of harassment please ask me so that I can get my cell phone record from my phone XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.

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
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed multiple items with Experian. I monitor my credit XXXX and XXXX are both XXXX points higher than Experian. They have multiple Hard Inquires which I have disputed that remain. Some older than 2 years. They are not taking off. Chapter XXXX has been discharged paid in full still not reporting 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 02/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Billing disputes

Complaint: Capital One Bank has the wrong balance on my account with them. I owe them {$170.00} and they keep adding Bogus Charges to my account. I want an investigation into their practices. 
They are over charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Starting on  XXXX , Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with   XXXX   and  XXXX , but the results came back verified. After talking to  Chase t wice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all  XXXX  bureaus. Following is the list of inquiries :  XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX CHASE CARD    XXXX   XXXX   XXXX   XXXX   , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XXXX   XXXX ,  XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This is for a medical bill that was disputed, At the time i had insurance and paid the co payment there is no need for this bill I had   XXXX   insurance at the time, it has been removed from my from my credit bill twice, .please ask the company to charge   XXXX    who is responsible for the bill not me. the amount owed is  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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX, 2015, I called Synchrony Bank, to pay {$190.00} to my Amazon Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. Synchrony refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by Synchrony Bank is unfair and unjust and it violates FCRA.

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 01-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: Citibank illegally reaged my account. Citibank misrepresented the date of first delinquency, and also misrepresented the date that my account charged off when they sold the delinquent account to XXXX XXXX XXXX XXXX XXXX ( XXXX ' ). 
The Citibank record no longer appears in my credit reports because Citicards is aware that the delinquency occurred in my account more than 7 years and 180 days ago. However, in their sale to XXXX XXXX, these dates are misrepresented, thereby XXXX XXXX reported the collection account in my credit reports ( XXXX, XXXX & XXXX ). 
I am requesting Citibank to immediately provide me the following items : Please provide the following regarding these account numbers:1. Date of first delinquency leading up to account charge-off2. Date of charge off3. Complete monthly statement history from account XX/XX/XXXX to XX/XX/XXXXPlease note that this case is being forwarded to the FTC. Please reply in official Citi letterhead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with Integrated Recovery Services (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX 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 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Army and Air Force Exchange Service (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
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: The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX there was an unauthorized withdrawal from my business checking account for {$2800.00}. The money was taken out using Venmo ( a division of XXXX ). I do not have a XXXX account. I have gone to my bank and they are investigating.I am a small seasonal business ( XXXX employee - me ) and did not notice the funds missing until XX/XX/XXXX. I went to the bank on XX/XX/XXXX and we did contact XXXX. The bank has sent me a letter stating that they will make a final determination by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AMERICAN EXPRESS CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). Transunion listing is XXXX, XXXX XXXX XXXX, XXXX CLOUD, MN, XXXX Phone # : XXXX They have failed to validate over and over. This is not the first time I have reached out to the company. Since then XXXX and XXXX have removed the listing because of this but transunion has not. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any  qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond

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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.

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 04/21/2017 about Debt collection (Auto) with BB&T CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: purchased a car from  XXXX   XXXX , within  72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from  XXXX  ... there telling me that since they sold the car in an auction then im responsible for what was left over ...  .also both    XXXX   XXXX   and collection agency is trying to collect on this debt

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