milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of this year XXXX Bank lowered my credit card available balance Based on information they had received from TransUnion. They gave me a very low credit score and I was never even made aware of the fact the XXXX XXXX who 's card is issued by the said mentioned bank had run a credit check on me. I never gave them authorization to do a credit report on me I have been with them for so long this had never happened. When I explained that the majority the information was incorrect the time. At that time I figured that the issue would correct itself with proper monitoring and for a while it did. Until again XXXX Bank ran a SECOND credit report for me on my XXXX XXXX XXXX in XXXX. The first XXXX was done in XXXX the second in XXXX. It was n't until I contacted XXXX and XXXX from the Consumer Affairs division told me what had happened. Low and behold TransUnion sent them the same information they had sent previously to this bank. Same generic letter issued and same reasons. Nowhere in that report does it have the installment loans I pay for each with through payroll deduction. XXXX is in denial as to what has happened until I contacted XXXX again today and informed her of this problem. 

She was supposedly contacting XXXX Bank and informing them of the situation. At no time did I give them authorization to run BACK TO BACK CREDIT REPORTS!!!! This is clearly a big issue why if you had run XXXX previously and you were informed of discrepancies would you run another XXXX a month later from the same bank..This lowers my credit as well as XXXX scores. Which according to several of my credit cards which are monitored by TransUnion ALL HAVE DIFFERENT SCORES. 

There is also a XXXX point discrepancy according to the current report issued and on XXXX XXXX by TransUnion to my creditors. I believe that both XXXX Bank and TransUnion should be held accountable and liable for these erroneous mistakes. Playing with someones credit is beyond comprehension. I am asking for a resolution to this matter if at all possible. If this can happen to me how many others out there are going through the same thing.

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 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car inXX/XX/XXXX I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash inXX/XX/XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XX/XX/XXXXor XX/XX/XXXX ) I checked my XXXXredit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a 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 06/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like more information on the account being reported

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I subscrib0ed to XXXX about 12 years ago telling them I could to have a CONTRACT because I would need to put it on vacation every winter because I live in AZ during the winter. I was told it was no problem. The first winter I did that they accused me of early termination and charged me {$500.00} I refused to pay it and disputed this charge. Nothing has changed. They keep sending it to different collection agencies all these years. This has been an adverse affect on my credit report and it still is showing up as a collection action. How many years do they have a right to do this? Once 7 years was gone, that should have been the end of it. I am not paying them anything for their false charges. Besides all of the above, each year the amount changes. first it was {$500.00}, then it was XXXX, now the last I saw from a new collection action was {$140.00}. They are getting nothing from me. Please make the agency correct this and get this blemish off of my record. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHARLES SCHWAB CORPORATION, THE (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My wife and I opened a checking account with Charles Schwab and it was never disclosed that a hard inquiry would be pulled on my credit. It does not make sense that a hard pull would be done for opening a checking account. I can maybe understand a soft pull but not a hard pull for opening a checking account. This is ridiculous! 

This was not done for my wife who is the other applicant on this checking account. 

The process for me as a co-applicant from the beginning has been very different and they have treated me with discrimination asking me for more documents due to my nationality and language. 

Even on my first call, the phone representatives did not believe it was me, asked me a lot of verification questions and now I have proof of discrimination because I can see that they even did a HARD PULL on me, and not my wife. They have even asked me for additional proof of ID and documents, once again, these things were not asked from my wife who is the primary applicant. 

A representative called me with a very patronizing attitude from Charles Schwab on XXXX/XXXX/18 ( XXXX ) XXXX XXXX XXXX XXXX with nothing but blaming me for not paying attention when I applied for their account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

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 Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points

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 12-11-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Late fee

Complaint: This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.

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 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, I would like my free annual credit report. I am ineligible for retirement benefits from the US Social Security System - hence the credit bureaus do not have a social security number ( SSN ) on file. 

I can not use the website ( XXXX ) or the automated telephone system ( XXXX ) since both require a SSN. When I eventually get to a human in the credit bureaus, they are unhelpful as they refuse to investigate to get my credit report from their system ( which requires a SSN ). It is very frustrating and time consuming. 

Please instruct all XXXX credit bureaus ( Experian, XXXX, XXXX XXXX, and XXXX to provide my free credit report. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Settlement process and costs

Complaint: We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.

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 10/27/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: loans show up on my report and its not mine, i have police report # XXXX Id theft

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