milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Describe what happened so we can understand the issue ... 
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

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 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These Inquiries I did not authorize and can not understand why no one will delete them. I asked a car dealership to do XXXX bank and they submitted my deal to XXXX banks, which was NOT Authorized. 



CA XXXX BANK XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX Finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX I XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance COAF XX/XX/XXXX XX/XX/XXXX Finance TD AUTO XXXX XXXX XXXX, XXXX XXXX XXXX Finance Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Automotive VANDRGRF CHV XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance CRESCENT BK XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: My American express XXXX for cash credit card got expired around XXXX 2015 and I updated my contact details accordingly in account. But still did n't receive my new card to perform transactions. On top of it still need to make payments. I keep calling them and almost called them 10 times to send my replacement card and requested to send tracking details. Neither they could deliver nor provided tracking number. But always asked me to call once notification email came from them. So I want to note a complaint and want necessary department take required action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I had a best buy card, on this card the XXXX XXXX was charging for services I asked to have removed, which they failed to remove and continued to charge the best buy card. Regardless, the charges they were requesting amounted to roughly XXXX dollars. Citibank, their credit card company, charged me XXXX in late fees XXXX during my dispute with the company, which amounted well above their initial charges. I was informed this was illegal. To get this matter resolved, I agreed to pay the past due amount which was {$52.00}???? They have since closed the card, but are still requesting I pay an additional late fee they charged the account after I paid. I sent a letter, and on the statement and check, it indicated if cashed the account was to be closed and paid in full. They closed the account but are still requesting I pay their fee. This company is corrupt, and if in fact what they are doing is illegal should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Following the receipt of my credit report late last year from the XXXX, XXXX and TransUnion consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, XXXX and TransUnion consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with SYNCHRONY FINANCIAL (WV).
Issue: Credit determination

Complaint: I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal?

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 (Medical debt) with United Collection Service, Inc (FL) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I have a positive account and the credit card company is not reporting it to the other XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Problem with fraud alerts or security freezes

Complaint: TRANSUNION will not do a credit freeze for me, either by phone or online. Tried from XX/XX/XXXX to XX/XX/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 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This started on on XX/XX/XXXX / i get paid from my employer on a weekly bases / so i make weekly payments to all my credit accounts/ when i got this card i was only given a {$500.00} limit / so when i use it weekly my balance gets high so i make payments weekly that way i have avil credit to use the card and to gain more rewards / i made a payment on XX/XX/XXXX amount XXXX / then the follow week i was about to make another payments however i noticed my avil bal was lower and didn't reflect my balance / so i called XX/XX/XXXX talked to a rep and she stated it was due to me making weekly payments and only 2 or 4 % off all payments we held / and she was able to release the funds since i had a good history / and she advised me that i would need to call in to make a debit card payment since they don't hold those payments / so i made a debit card payment onXX/XX/XXXX for {$120.00} and it wasn't held / so then on XX/XX/XXXX i didn't have time to hold to talk to a rep to do the debit card payment so i did it online / then when making a payment onXX/XX/XXXX i noticed they held the funds from my account again for the full amount of this payment / called and was told sorry no one you can talk to about this to call back and talk to a payment dept / So i tried calling todayXX/XX/XXXX due to my acct having a {$20.00} balance but only having {$210.00} avil out of my {$500.00} credit limit / this is really effecting my credit utilization and as well all these payments have been cleared from my bank over 7 days / i talked to a rep today and she didn't know what was going on / was on lunch break and told her i had a short time to talk / so she put me on hold / and didn't come back / so i had to hang up and go back to work / this has been such an issue and no other banks have put me thur this and this has to be resolved!!! i'm sure im not the only person in this world that makes weekly payments.

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 11-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I did n't no what option to select from above in regards to my complaint. My issue is with my Kohl 's charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from Kohl 's last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. Kohl 's did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to Kohl 's explaining again the whole situation and how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking too long to conduct my investigation. I asked them to investigate incorrect information on my credit report in XX/XX/XXXX, and they have not responded to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XX/XX/XXXX, Equifax was hacked and released the personal information of up to 143 million American citizens ( as well as some in XXXX and the XXXX apparently ). They only reported it recently, and they created a website to see if you could be one of the citizens affected by the data breach. I was informed that I may be a victim of having my date of birth, driver 's license number, social security number, possibly credit card numbers, my current address, as well as other private information, stolen by hackers. There are few options to recover from this incident and none of them are preferable. I 'll have to freeze and unfreeze my credit report constantly, dispute fraudulent uses of my information, and maintain vigilant overseeing of all of my current accounts as everything has been compromised. This information will be available to whomever can get their hands on it for the rest of my life ( and beyond ). I must worry every day about whether I 'll still have money in the bank to pay bills, or if it has been stolen to no fault of my own. Will my credit report be so damaged that I 'll be unable to obtain a car loan, mortgage, or even rent an apartment due to no fault of my own but the negligence of Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with TRINITY HOPE ASSOCIATES (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from Trinity Hope Associates, located at  XXXX .  XXXX   XXXX ,  XXXX , NC  XXXX  on  XXXX   XXXX ,  XXXX  regarding a medical debt incurred by  XXXX   XXXX   XXXX  located at  XXXX .  XXXX   XXXX ,  XXXX   XXXX , MD that I had been making monthly payments of {$50.00} up until  XXXX   XXXX ,  XXXX  just after receiving a letter stating that I owed {$93.00}.   I sent a letter to Trinity Hope Associates on  XXXX   XXXX ,  XXXX  disputing the debt with copies of checks that were cashed and written to   XXXX   XXXX   XXXX   for the last 3 month 's of {$50.00} payments for the months of  XXXX  through  XXXX  showing payments were made consistently and requesting a full accounting from them since it was apparent that my monthly checks were not credited properly and letting them know that my last check in  XXXX  should have paid off the account. I let them know of my rights under FDCPA.   I never heard another word from  Trinity  until I received a call from  XXXX  credit protection services letting me know tha t Trinity Hope rep orted negative information on  XXXX   XXXX ,  XXXX .   My husband contact ed Trinity Hope and left 2  messages that they have 10 days to remove the negative information from my credit report. He finally received a phone call from them on  XXXX   XXXX ,  XXXX  from  XXXX  at Trinity Hope who admitted receiving the letter of dispute on  XXXX   XXXX ,  XXXX , but claimed that  XXXX   XXXX   XXXX  still says that the {$93.00} was still owed. He explained that monthly payments of {$50.00} per month were being paid and asked why I was turned over to collections. She basically said that was n't her issue that I needed to prove that I paid {$93.00}. She did not care that monthly payments were being made on the account.   I would appreciate any assistance that you can help in having the negative information removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Loan payment processing time within the Wells Fargo banking system. Payments automatically debited/transferred from Wells Fargo accounts take 3-5 days to process, accruing interest on full loan amounts daily.

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 10-12-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I got a call in XX/XX/XXXX from Procollect in XXXX, tx stating I had a charge of {$490.00} in collections from XXXX XXXX for a move out fees. I gave XXXX a forwarding address and my number to be notified of any charges. They never sent me anything in the mail or called so they sent it to collections because it never got paid. Procollect said I could not dispute it. They had already dropped my credit score 60 points the same day they notified me of the charge. I asked to speak to a manager or supervisor and procollect told me no. And they would n't send me proof of my bill unless I sent a written request.

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 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please assist me in getting this Tax Lien removed from my credit file. This tax lien is outdated and it needs to me removed from my credit file. The Tax is showing paid and it has a release date of XX/XX/2009. Please remove the attached Public Record from my credit file.

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