milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 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: Information belongs to someone else

Complaint: The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (NY).
Issue: Managing the loan or lease

Complaint: Chase Auto Finance ( CAF ) is either unable or unwilling to provide accurate consistent documents and most importantly a reliable final bill. After several calls and letters, I still do not know what my outstanding charges are or if I 've received credit for all of my payments. They do not reply with any explanation. Instead, their replies are simply copies of documents already provided. In addition, during XXXX, XXXX and XXXX of 2016, CAF continued to collect lease payments even though the lease had matured in XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check for {$2200.00} into my Chase account on XXXX XXXX, 2017. When I logged in the following day to see my account activity, the bank withdrew the money and said there was an error with my deposit. I called the following Monday and spoke with a Customer Service Agent who said that the check was not properly endorsed. The check was endorsed and even had my account number on it. The fellow said that they would overnight a/the check to me and I would have to take it to a Chase bank lobby and ask. When I did not received the check by Wednesday evening, I called back. The customer service agent said that I have to go back to the issuing party and request another check. Why should I go and pay for a stop payment of {$30.00} and a reissuing check fee of {$35.00} because they can not get me my check back? If my check was not endorsed, they should have a procedure on how to get the check back to the customer. MY CHECK WAS ENDORSED and no image is available on the website either.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against AMEX/DSNB. I have been a victim of identity theft for XXXX years and my Equifax credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in 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 12-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I have a checking account with Bank of America and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used " We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. Help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with PMAB,LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine asked for verification of debt no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Private student loan debt) with Allied Interstate LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate calls multiple times a day, and leaves no messages. They are just calling to harass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: 1. XX/XX/2017 Bank of America rejected my application for a Visa card. 
2. I was informed that this was because I had a payment modification made on a previous credit card. 
3. Responsibility for paying the credit card was assigned to another party in a judicial settlement. 
4.Since I was the primary holder of the card only I could request a modification to the payments.

5. I neither made nor approved anyone to make such a request nor was I informed by the bank that such a request had been made. 
6. The bank refused to correct the error and remove the injurious report from my file.

7. To protect my credit from future injury I subsequently had to pay off the remaining balance on the credit card. 
8. The bank has refused to accept responsibility for the error and to provide a written apology.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HireRight Solutions, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''

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 02/14/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation