milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Other

Complaint: They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.

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 04-06-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MO).
Issue: Struggling to pay mortgage

Complaint: CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.

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 12/17/2016 about Money transfers (International money transfer) with XOOM CORPORATION (UT).
Issue: Money was not available when promised

Complaint: I used Xoom.com to request a money transfer on XXXX XXXX, 2016. I received notification that the transaction was complete on XXXX XXXX, 2016. I use this service almost every month to transfer from my XXXX account to my XXXX account with no problem. This time I was travelling to the XXXX to be with family for XXXX and so, transferred a larger amount than usual {$1000.00}. XXXX I got to the XXXX, I was notified that my standing order to a XXXX company had been returned unpaid. This prompted me to check what had happened and I found that my {$1000.00} had not been transferred to may account. I have been in contact daily with Xoom, com since then and each time, they just say that they are waiting for an update from their partner ( I assume XXXX ). It is now 13 days since I requested the transfer and 9 days since they confirmed that the transfer was complete and I still have not seen the money. It left my XXXX account on the XXXX of XXXX. So Xoom.com has my money and is making interest off it, whilst I 'm unable to pay my standing orders!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Hi I have been trying to get this account to update on my credit since XXXX XXXX, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, XXXX in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, Equifax, and XXXX. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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: XXXX XXXX XXXX is reporting a multiple collection of the same account. I have contacted TransUnion, they just updated without removing the same multiple 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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
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 have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: There were dispute comments within my report that I had initiated. I would like to have MY comments removed from my report, and Experian is refusing to do such. They state that it is now up to the creditor to remove XXXX initiated comments. The creditor had nothing to do with these comments, so I 'm failing to see the logic in why they would need to be the ones to remove those comments.

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 09/23/2017 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I disputed an item on my Transunion credit report. It has an estimated completion date of XX/XX/XXXX, but as of today XX/XX/XXXX the investigation has yet to be completed by Transunion.

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 06/23/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My bank has n't responded to XXXX in reporting my savings account balance so that they can activate my account. My account is currently pending and they need a response from my banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap

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 12-10-2017 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: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Mortgage (Other mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Other fee

Complaint: The CC company, Comenity Bank submitted duplicate payments on two cards I have with them, XXXX and XXXX XXXX to my XXXX checking account. When I called, XXXX said it was a problem with XXXX. So, I then contacted XXXX who wanted to launch a fraud investigation, but instead I opted to stop the payments, so I could reissue a single payment. Comenity Bank charged me multiple fees for the returned payments, and after contacting them, refuses to refund those fees, even though it was their error, not mine and I have since paid the accounts up to date. When I requested the refund of the fees, they kept saying the payment was stopped-rejected, which was due to their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is about Experian. You should ask that right away. 
Someone is used my credit report, because these people at Experian 1 ) HAVE THE WRONG PERSONAL INFORMATION about me. I had to answer questions in order to be able to make a dispute online, and ever question I answered accurately. These idiots have a lot of questions and I am sure, absolutely sure, they have incorrect information, ex : I have not lived with anyone since 1986. Yet, they have roommates listed. 
I also have other issues with these people FURTHERMORE there is NO file number. This information is online. I am trying to make the dispute online, and CA N'T EVEN GET THAT FAR.

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 11-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill

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