milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX XXXX, 2017 I got a free 7 day trial from Experian. it is currently the last day of the free trial and I have literally tried to cancel my account for the past 4 days. It is definitely a scam without a doubt. I tried online with no luck, I called the company over 50 times and they purposely hang up on you when you click the cancel membership option. I cant even believe they are allowed to fish people like this.

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 10-12-2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Global credit and collection group XXXX has not stopped calling for over 6 months even though I have repeatedly told them I am not the one whose debt they are trying to collect. I received a new number from XXXX and have repeatedly told them I will do whatever it takes to get my name off the list. Every single time they either hang up when they realize I am not the person looking for or they quickly say ok sir we will take you off, good bye. They will not put me on the phone with a supervisor and I am left with over XXXX missed calls a day on average, a few times they have even called past XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Other

Complaint: Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit holds several accounts under my name. They have re-aged each of them on my credit file. All of these accounts were first reported delinquent in 2009. Midland Credit has purposely re-aged the accounts to cause them to remain on my credit file for longer than the seven year limit in violation of Federal Law. I sent them a letter listing all these accounts and they have refused to provide me with correct information verifying the debt and date of delinquency. I have listed all of the accounts in a letter that I sent to Midland, attached hereto. They sent me a letter in XXXX saying they needed more information but I only have the information on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (CT).
Issue: Account opening, closing, or management

Complaint: I pulled my annual credit reports from all XXXX bureaus. There is an unauthorized hard inquiry on my XXXX report. I could not dispute this with XXXX ( it rejected 4 times! ). This same creditor is listed numerous times online for unauthorized hard inquiries so I figured this is a job for the CFPB. While we still have one. There is NO account, just the inquiry. Here 's mine : Hard Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

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 04-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Other service problem

Complaint: On XX/XX/XXXX, US Bank, a banking institution, domiciled in Minnesota, received a money transfer for me through electronic transfer, ( ach ). They proceeded to tell me the funds were not in their possession, even though, XXXX XXXX, confirmed to me, the funds left their possession, and they did not have them anymore. US Bank then told me they would be available, potentially in 2-3 days, once they confirmed they had them, even though I was told by the distributing company, XXXX, that they were transferred. 
At the same time, I wrote a check to The XXXX XXXX Tax Collector, dated XX/XX/XXXX, postmarked that same day, and mailed at the US Post Office, located in XXXX XXXX, CA. on that same day, XX/XX/XXXX. 
US Bank cleared and reduced my checking account by the amount of that check on XX/XX/XXXX. That is not physically possible to receive and clear a check in one day, at the same time they are telling me my funds are not available. 
When I called them, to ask them about this behavior, I was put on hold indefinitely, then told I could talk to a manager, which they then transferred me to another rep, not a manager. I was told I would be called back in three hours, which never occurred. When I called them back the following day, XX/XX/XXXX, after I saw online what happened. I was rudely talked to by a manager, and told that she was recording the call without my permission, and if I did the same, she would hang up. I hung up at that time. I believe the bank is using " float '' to deceive the consumer, without their knowledge, or agreement.

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 04/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Around XX/XX/2017 my checking account got frozen and they told me that it was fraudulent use but they seized all my money and close my account that was {$3300.00} I've been talking to the bank they've been treating me like I'm a lowlife talking to me like very disrespectful hurting my feelings and keep sending me a letter that I haven't took a picture of for you saying that they're working on it and it's it and it's been almost a year now

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 07/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other fee

Complaint: I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.

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 10-04-2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 have been trying to deal with Experian going on 54 days where I have called MULTIPLE times and have been left holding for up to XXXX hours and XXXX mins and then the phone just hangs up or in situations where I am currently on hold as I am writing this complaint once I reach someone they say they are going to transfer me to the right department and then I am left on hold again. I am currently speaking to XXXX XXXX ID # ) who indicated : that they have the FTC complaints and police report, yet they do n't have the information from XXXX Bank and that she would try to get them on the phone. Now seeing as it took me almost 3 months to get them to provide the information correctly its not a surprise that capital bank now has no records of the form that was sent to me on their letterhead indicating that they were as a system error. So Experian is trying to make it seem as though they have done their job which they have n't The issue is that I have not only mailed, faxed and uploaded the documentation showing that the collection account on my report is fraudulent and should be deleted/removed but also there is a revolving credit account XXXX capital bank ) that has ( XXXX ) XXXX late indicators present that should based on documentation sent to their office. Yet after 30 days the information was not corrected, I resubmitted the documentation a total of 3 times and we are approaching 60 days more than double the required timeframe under the FCRA and yet my report still has the inaccurate information present. I have spoken to various reps and supervisors that have indicated the documentation I sent was being reviewed and that the accounts would be updated. Yet here we are and it still has n't been corrected. This will be the last attempt before I file suit against Experian for FCRA violations and seek damages, as I am currently suing XXXX for not only the security breach but the same issue.

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 07/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.

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 08/13/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: call me sunday morning XXXX a day. numerous calls restricted line and bank call and evine line. tell them I need an extension but will not extend. but calls all times of the day sometime XXXX a day. evine live and syncb bank call me from different numbers and harass me. and threaten me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was approved for and activated an American Express ( Delta Platinum ) credit card onXX/XX/XXXX,  and incorrectly assumed that the annual fee of {$190.00} would be waived for the first year and that I would receive a companion certificate for airfare purchase. Once I found that out, I called in more than once to speak with Customer Service, to see if that could be negotiable. I was ultimately told NO on XX/XX/XXXX, and so on that date I cancelled the card and closed the account, and paid off, on that same date, the {$1200.00} that I owed in purchases that I had made ( minus the {$190.00} annual fee that I had decided NOT to pay since I was not going to keep the card ). Now, keep in mind that I had already, on XX/XX/XXXX, paid off the first statement I received for {$250.00} - which included the {$190.00} annual fee ). Then, I asked AMEX to simply allow me to do that and have us be " done with each other. '' Again, on that same date, they said NO - that I still owe the {$190.00} annual fee, plus {$34.00} in fees & interest. Keep in mind that I only had the card for 6 weeks! I followed up by letter, again requesting that, since I paid off what I purchased, and had cancelled the card, to please close all business between us, to which they responded by letter, again saying NO - that the charges were correct. <P/>Now, what can I do? I am getting monthly statements, with additional fees & interest, for a credit card that I have already closed, paid off purchases for, and I feel both harassed and trapped. Can I stop all of this without having to pay these charges that I disagree with? The most recent XX/XX/XXXX statement has me " owing '' {$270.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: CIT lost or misplaced a fax on XXXX/XXXX/2016 from XXXX Bank regarding trustee to trustee transfers for my wife and I. XXXX Bank has resent the forms as of XXXX/XXXX/2016. My wifes account matured today XXXX/XXXX/2016 and CIT will not release the funds saying they need 72 hours to process the paper work. I do n't understand how XXXX can ( lose ) a fax with their confirmation number. XXXX bank also sent copies of CITs fax confirmation from both dates by email. CIT has also confirmed that they have received an email with this info. I have been on the phone many times with CIT reps, XXXX, aanthony, XXXX XXXX XXXX, but I am still getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and TransUnion. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST CITIZENS BANCSHARES, INC. (CO).
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 never had a loan with a bank that is showing up on my credit report as a derogatory account. Iv'e tried fixing the problem with the company and thru the bureaus but the problem has not been fixed and the account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Title loan) with MARINER FINANCE, LLC (MD).
Issue: Struggling to pay your loan

Complaint: The week of XXXX XXXX 2017 to XXXX XXXX 2017 I have spoken with XXXX who is the manager of Mariner Finance located at XXXX XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX. In our conversation I have explained to them that I am having difficulty with my entire debt that I have due to loss of income of over 20k. I was keeping afloat for a while, but then everything got to be too much in which i then decided to reach out to a debt company. When I let them know what I had to do, they educated to me that they do not work with these individuals and that they work with XXXX, in which I am trying to see what they have to offer. I am trying to work out the issue with this business and they are not willing to work with me. I am a little more than 30 days passed due and they are already sending letters about legal action. I also had to lose the car. Please assist me

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