milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report. 

I also believe they are calling my place of employment pretending to be somebody else.

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 Experian Information Solutions Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On X/X/2017 I attempted to access my Annual Credit Report through Experian. I was unable to access my report, and was given a message that says " A condition exists that prevents Experian from being able to accept your request at this time '' The following message congratulated me on accessing my Credit History and advised me to mark down in my Calendar for next year.
I am not sure what this " condition '' is that prevents the access to my credit report, but I find being told to wait again for one year for an error message unacceptable

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 08/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Struggling to pay mortgage

Complaint: in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on 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 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.

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 04/17/2017 about Credit card () with Alliance Data Card Services (IL).
Issue: Credit line increase/decrease

Complaint: On   XXXX   XXXX   XXXX    , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my  XXXX  report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank  ( " Comenity  '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls.   At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed  [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days.   Comenity 's response was sent on   XXXX   XXXX   XXXX    , and the hard inquiry still appears on my credit bureau.   I recently contacted Comenity, and  XXXX   XXXX  notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Using a debit or ATM card

Complaint: Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.

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 08/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Bank closed my JCPenney account and reduced the credit amount on my Old Navy Credit Cards due to an algorithm set up in their credit approval system. My credit history with these two credit cards was excellent at the time that the changes were made on those cards. I made on time payments and used those cards when I wanted with no problems. I embarked on business venture which affected my credit, and should not have caused Synchrony Bank to let a computer decide that I was not credit worthy for these two store credit cards. This has caused my credit score to drop to an extremely low number when I had worked very hard to get my credit to be and stay in good standing.

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 06/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX and requested my free credit report from both XXXX and TransUnion. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: Sears/CBNA started reporting on my credit on XX/XX/XXXX for a credit card that was closed in XXXX. This event negatively impacted a credit card application I had submitted with 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 08-02-2017 about Debt collection (Medical debt) with Profit Services Group (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was went to the ER and did not have insurance and was unemployed and was placed on an indigent program where I would not have to pay. I was surprised to find out that I allegedly owe 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
Consumer complaint received 12/21/2017 about Debt collection (Medical debt) with Accounts Management, Inc (SD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with Professional Recovery Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with 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 11/14/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the bankruptcy listed on my report with Equifax. They responded but failed to disclose the source of their information. I provided documentation from the United States Bankruptcy Courts to Equifax and to the CFPB that the courts do not validate but instead it is done through a third party. Equifax lied in their response to me and to the CFPB in stating that the Bankruptcy Court had validated the data ( something that they do not do ). Here is their response on the CFPB complaint containing the lie : Equifax said : " Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The Discharged Chapter XXXX Bankruptcy has been verified to be correct as reported on the credit file. Written confirmation has been mailed. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days. '' As this is not correct and as failing to disclose the actual source of the data is an FCRA Violation, I demand that it be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX and XXXX 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 my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Credit line increase/decrease

Complaint: I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did

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