milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


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 08/24/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase

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 11-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Managing, opening, or closing account

Complaint: I have had an account with Amex Serve since XX/XX/2016, My direct deposit has come in later and later every week for the past 4 weeks and I am paid every week Wednesday. I spoke with a representative on today who informed me that my direct deposit will not process to my account until after my pay date. I spoke with the supervisor XXXX and she nor the representative were able to provide a valid reason why my deposit would come in late. I request to speak with someone that was able to actually assist me and the supervisor XXXX informed me there is no one able to assist me. Now, I will have no gas to get to work this morning and I may be assessed a late fee on my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: letter Sent XXXX XXXX, 2016 XXXX XXXX - CEO XXXX XXXX - CEO, US XXXX XXXX - CEO, International Wal-Mart Stores , Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subj : Money Laundering by Walmart partner, Moneygram Payment Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gentlemen : We 've never met, but I 'm taking the time to write this letter on behalf of a customer, in the hope that you personally, and not just administrative staffers, will become more aware of the blatant fraud and money laundering activity occurring daily via Walmarts via Moneygram Payment Services. 

This story relates to my mother, XXXX XXXX XXXX of XXXX XXXX XXXX, age XXXX, for whom I have registered FPOA. Last week my mother was the unfortunate victim of a phone and internet fraud involving the loss of nearly {$8000.00}. Walmart was not strictly at fault in the several transactions that originated at your XXXX XXXX XXXX store via Moneygram. But nevertheless the transactions were fraudulent, aided and enabled by Moneygram, operating out of your store. 

I wo n't take the time to relate the entire sad story here. Suffice to say that via phone and Internet, my mother was induced to send cash via XXXX Moneygram transactions, to an unidentifiable name in XXXX. 

The Moneygram transactions, reported to law enforcement, were as follows : XXXX XXXX, 2016 XXXX {$1500.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} The series of incidents was first detected yesterday, XXXX XXXX. There is a XXXX XXXX XXXX police Theft report, # XXXX, and an FBI complaint, XXXX. It 's obviously quite embarrassing for my mother, but despite that we reported it to the appropriate authorities and are taking additional steps. 

I hope this letter has an impact on someone 's day at Walmart. Feel free to contact me at the address below. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : XXXX Department of Commerce Division of Financial institutions XXXX Consumer Protection Financial Bureau www.consumerfinance.com FBI

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? 
where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: On XX/XX/2017 I contacted Experian Credit Reporting for the purpose of checking on my credit score. I was charged {$1.00} for this service but was still not able to obtain my score. Hidden in the small print is an agreement that if I did not contact them within 7 days to cancel my " membership '' I would be charged {$21.00} per month. I realize now that I should have read all of the small print. I believe their website is deceptive by not prominently displaying this information so that customers can easily read it. After discovering that my credit card has been charged {$21.00} for the past two months, I quickly contacted Experian and cancelled my " membership '' which I did n't want in the first place. I believe that they purposely make their website deceptive by offering a {$1.00} fee to rope unsuspecting people like me into a membership.

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion has an account I have with XXXX on my credit report that should not be still listed. From their own records, they state that the account was closed on XX/XX/XXXX, yet say the last payment was on XX/XX/XXXX ... which is not only inaccurate, but impossible. If the account was closed on XX/XX/XXXX, then the first date of deliquency has to be months earlier ... thus over seven years ago and should be deleted by 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 non-monetary relief
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

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 10-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2015, this company received my request for validation for a frivolous debt they had reported on my credit report. The company failed to provide me with any former validation, at the same time they persevered with reporting the account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: In   XXXX   I cancelled a  XXXX  music charge on my account. The lady a t Capital One  got  XXXX  on the phone so we had a  three way  conversation. I cancelled the  XXXX  charge and also closed the account. Since then I still receive the monthly bill with the  XXXX  charge added. I called  Capital One but t he young lady seemed confused but said everything was taken care of. This month,  XXXX , I received an additional charge on my account that was supposed to be closed in  XXXX . I can not get through to  Capital One that I want no more charges I did not make to an account that was closed months ago. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Never sent me validation that I owe this debt. Only a copy of lease and keeps reporting it as negative on my credit reports.

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 09-05-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a letter dated XX/XX/XXXX from PNC where I had two checking accounts asking for {$380.00} that they say was still owed on the business account ending inXX/XX/XXXX, ( see attached ) .. They stated this amount was due and payable at this time. I have real issues with this letter. This started back in XXXX and I have already filed a complaint regarding this onXX/XX/XXXX and they still have not answered yet they feel they can send collection letters. The letter is signed " XXXX '' a Recovery Specialist. XXXX who? Whatever happened to correct letter writing where you would put your full name? The letter has no explanation as to what I owe {$380.00} for. I then went to online banking to see if I could find why this money was owed and was given a screen that says there are no eligible accounts. How convienent for PNC to wipe all this info off their system. ( See attached ) PNC has a way of paying merchants who they want to and who they do n't want to. If the money was not in my account due to a PNC error why would they pay the money out to make my account go negative. I will not be paying any money on this letter. Another class act action on PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX  XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

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