milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the 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 non-monetary relief
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my 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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit card () with CAVALRY INVESTMENTS, LLC (WA).
Issue: Other

Complaint: Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Problems caused by my funds being low

Complaint: I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my 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 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC has aggressively continued to report unfavorable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks ahs continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I contacted ACS to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that ACS got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. ACS should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with AFNI INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Unauthorized transactions or other transaction problem

Complaint: I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My debit card was duplicated and used fraudulently at a post office made  XXXX  money orders in the amount of {$4900.00} on   X/XX/2017 . I f iled a police report and a report with the postal inspector. Chase denied my claim first they said my card was used and swiped with my pin number because that day the machines were down to use my pin. I escalated the call now they are saying it was a chip on chip transaction. I filed another claim to reopen my case and now they are saying  XXXX  out of the  XXXX  transactions are correct. All the  XXXX  transactions were done at the same time all together. I asked them how is it possible to claim  XXXX  incorrect and not  XXXX  when the person did it all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Penn Credit Corporation (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a 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 10-03-2017 about Debt collection (Medical debt) with Peter Roberts & Associates, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I notic

ed a year of so 2 derogatory marks open on my credit report. When I looked into it. I realized these were not my bills, but my daughters, and her ex ' who has custody of children. I took them to some appointments if parents were uncapable to that day, But was never, ever financially responsible for their medical payments?.

1-Once mistakes noticed I called dr 's office to correct mistake first..'unfortunately they said they had no info because folder went to lawyer 's office to collection '. I have called Lawyer listed on credit report numerous times, and even emailed him. Explaining situation and also giving him my daughter 's name and address, I also gave information pertaining to children 's father '' such as full name, and address ... informing him again, and explaining the mistake in detail. Requesting him to please correct it..Instead he just changed/updated date on report. orignal debt from XX/XX/XXXX..now is XX/XX/XXXX giving him 7 more years to collect and stop it from falling off my file on credit report. I have disputed it with credit reports, tried to work it out with lawyer, but its still on them. I 've supplied childs parents billing information.these 2 derogatory marks look really bad on my credit report and I think its a shame that I was unable to reasonably have them removed..when I even tried to help XXXX XXXX collect debt by supplying him with correct debt owners name, Addresses..he has not responded from my emails or voice messages?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: SunTrust mortgage violated court order and illegally evicted my family from our home with no notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: Disputing American Express issuing credit card ( allowing for credit increases ) to XXXX. 

History shows long-term history ( 30+ years ) for none and late payments on credit cards, mortgages, utilities, taxes, etc. with low FICO scores ( approx. XXXX-XXXX range ), unemployment ... and income under XXXX,, ( SS and Pension ). Background check would have also shown XXXX active credit cards. 

Also, harassing/intimidating phone calls requesting immediate " pay-by-phone '' checking withdrawals should be illegal. Approval given under the influence of XXXX ... resulting in " insufficient funds '' /fees for bounced checks. 

Feel it is banks negligence that caused him to fall into a black hole of debt IMPOSSIBLE to climb out of. Rather than additional credit, there should have been a limit with cancellation imposed ... NOT increase or allow additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
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: Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX XXXX. It has been over XXXX months dealing with XXXX XXXX XXXX XXXX deleted this account because it could not be verified. XXXX XXXX XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il dept of hc and family service has not verified in writing. Portfolio Recovery which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX 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 10/23/2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Attached is a copy of the payment webpage of my mortgage that is serviced by CMC Funding. The mortgage payment is due on the first of each month and I have a grace period of 16 days to make my payment without incurring any additional charges for making payment anytime during the grace period. The servicer, however, is charging a fee for making payment during the grace period. According to the schedule of fees on the attachment, the servicer charges {$5.00} if payment is made 5-9 days after the due date, {$10.00} if payment is made 10-15 days after the due date, and {$10.00} if payment is made 16 days or more after the due date. These charges starting 5 days after the due date essentially add up to a fee for making payment during the grace period. Is this a legal practice and in compliance with CFPB rules associated with loan servicing? I did not choose this servicer. My loan was sold to CMC Funding. It appears that this practice of charging mortgagors for making payments anytime within the first 16 days would violate the grace period stipulated in the loan documents. Please advise.

Company response to consumer: Closed with explanation