milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX and Equifax is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. Equifax was not giving me credit for my mortgage XXXX that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX these credit bureaus are out of hand with this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Had made reservation with  XXXX  for the amount {$700.00} on    X/XX/2017 .   Cancelled the reservation with  XXXX  withi n 24 hours  for the full refund as per their policy.     Did not receive refund from  XXXX  for this cancelled reservation.     Raised a dispute with  Citi bank who issued provision credit. Was sent a letter by CITI to provide details of dis pute which I did as per their request to complete in 30 days.     However on   XX/XX/XXXX   citi closed the investigation saying that they had not received the form form.     This is totally incorrect as the form was mailed t o Citi at their address CITIBANK  CUSTOMER SERVICE   XXXX   XXXX   XXXX   XXXX   XXXX   SD  XXXX .     I also have the copy of the form whcih i can provide in case they have not received.     I would like to have this dispute researched. The dispute id is  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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my 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 explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my Transunion and XXXX reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Capital One Bank has not resolved or attempted to resolve the issues detailed in my letters or in my numerous calls with Capital One customer service specialists and supervisors. Please see attached letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. My final attempt to resolve this was through several phone calls in the month of XXXX XXXX with Capital One representatives and supervisors with no attempt to resolve this. My final response from Capital One is that there is nothing they can do. I am demanding all itemized billing statements to prove that I made purchases on this credit card account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. If they can not provide proof that I made these purchases I am demanding that the amount they have no record of as well as interest charges be taken off of my statement. I am requesting that this be resolved after this complaint, as this has been an ongoing dispute and I am paying for these unauthorized charges every month for the past 16 years as well as interest that Capital One Bank is profiting from at my expense. I am not asking for the statements that they have already sent me as I already have them on file, once again I am asking for statements from XXXX XXXX, XXXX XXXX, XXXX and if they can not provide this I expect this matter to be resolved and have the charges and interest fees from those dates removed promptly from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the   XXXX    site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did no  t authorize this and I am currently not seeking credit of any kind. The  XXXX  site did not give means for addressing this and did not give contact other than a   XXXX   XXXX   .
The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with  XXXX  and I need to have that address disputed with the other creditors as well.

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 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trade line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked TransUnion to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor TransUnion can provide me with ANY proof that I signed a contract for debt, TransUnion needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer 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 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Midland funding told me that I was going to goto jail if I did not make a paymen that day and the sheriff was coming to my home. I did not make the payment and I 'm not in jail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX   XXXX ,  2017  I had a balance of {$49.00}.  XXXX   XXXX ,  2017  I paid in full to a   XXXX   balance.  XXXX  I made a few purchases including on  XXXX   XXXX ,  2017  a bank check for {$1500.00} and a fee of {$47.00}. The {$1500.00} is to be interest free for 12 months. The  XXXX   XXXX  statement had a balance due of {$1700.00}. The difference in the balance of {$1700.00} - {$1500.00} = {$150.00} is all I needed to pay to avoid interest. However, in  XXXX  I paid {$120.00}  XXXX / XXXX / 17  and {$140.00}  XXXX / XXXX / 17  my total payments this period was {$260.00}. There should have been no interest charge for  XXXX   XXXX   XXXX  th all charge transactions were paid except balance of the {$1500.00}. The new statement has new charges that I just received and not due until  XXXX   XXXX  but there are interest charges on there too in the amount of {$19.00}. If the advance check is occurring interest that needs to be paid monthly I need to know so that I can pay off this card and close this account. I am paying off all charges monthly except the deferred so why am I being charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Credit determination

Complaint: I walked into Wells Fargo on XXXX XXXX, 2016 and applied for a secured business credit card. I deposited the {$500.00} that was required to secure the credit card and was subsequently approved that same day. I was notified that the {$500.00} would be pulled from my account within 3 days and that I would receive my credit card in the mail within 7 business days. It is now XXXX XXXX, 2016 ; approximately 1 month and 15 days later and I still have not received my credit card. I have called the bank where I applied, as well as customer service, every single day since XX/XX/XXXX and I have received, literally, XXXX different reasons why I have n't gotten my card. The bank has pulled the funds from my account, however, they will not give me a date, or even an approximate date on when I will get my card. I have been dismissed and belittled and I ca n't help but wonder why. This is fraud and apparent discrimination to the highest degree. I know that this has happened to other individuals and I am going to pursue this situation to the point of a lawsuit. If anyone has experienced this same situation, or any situation that has a hint of discrimination, or fraud, please post your experience.

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 11/20/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

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 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AE).
Issue: Account opening, closing, or management

Complaint: I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

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 09/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.

Company response to consumer: Closed with explanation