milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A cable provider, XXXX XXXX, filed duplicate accounts on my credit report with XXXX. I contacted XXXX and informed them that XXXX XXXX filed duplicate accounts on my credit report. XXXX states they are n't on my credit report, " The disputed accounts XXXX are currently not reporting on your Equifax credit file ''. However, they are still showing on my XXXX credit report which still shows XXXX derogatory accounts, all of which are from XXXX XXXX, and XXXX of the XXXX are duplicate accounts. 

It 's frustrating because I 've contacted XXXX XXXX several times to get the final balance owed resolved. I cancelled my service when I moved from the address to which they provided service and they have the record showing I cancelled my service. However, they continued to charge me for the monthly service and the equipment rental because the equipment was n't returned immediately. Even though I was n't using the equipment and had moved from that location, they kept charging me the monthly service. 

So, XXXX XXXX said they would contact me with the " final '' amount they 'd accept. They never contacted me, and each time I contact them I go through the same experience. No one knows how much I owe them, and because the records are so old they have to research the amount I owe. 

I 'm in a never ending circle of incompetence. The XXXX accounts with the same exact balances show on my credit report as XXXX accounts, and XXXX XXXX ca n't give me an amount I owe them to get the XXXX accounts off my credit report. Craziness! 

So, I 'd appreciate if you can help in any way. It would be helpful to get the XXXX derogatory remarks reduced to XXXX, and to help me get a final balance that is fair so I can pay XXXX XXXX and get the XXXX accounts off my credit report. Otherwise I ca n't pay them and I ca n't get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had a credit score of XXXX for an extended period of time and have always paid any and all my bills on time. I was told several months ago by one of the credit reporting bureaus that my credit score could never be XXXX due to the fact I do not have XXXX ( lines of credit ) credit cards! I use an XXXX product ( XXXX ) on my PC and I receive my credit score every 3 months. I found the last score was XXXX and ran an Equifax Report which showed no inquiries were made over the past two years. I have no negative accounts, collections or public record information showing on the Equifax report. I have worked 40 plus years to get my credit to the highest point possible and find now my credit score is dropping! How can this be remedied?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I have had a first mortgage and second mortgage with Wells Fargo for quite a few years. I have never missed a payment. Recently, I applied for a new first mortgage that combined XXXX my first and second present mortgages. I was turned down due to " Excessive obligations in relation to income, Income insufficient for amount of credit requested, Value or type of collateral not sufficient. '' Then I added an additional XXXX/month by increasing my monthly payment from XXXX. I did not need this extra money, or even the {$1000.00} original payment so I put about {$3000.00} in my money market account each month. I was again turned down for the same reason. I spent over {$10000.00} in application fees. 

Given that my income exceeds my needs by almost $ XXXX/month and the payment on a new loan would be less that my present XXXX loans, and given that my credit report is in the XXXX range, there is something very fishy here. It appears that Wells Fargo wants to keep the original loans as is because they get more interest income. 

My Income vs Expenses/Month Income/Month After Taxes Social Security {$1100.00} XXXXS XXXX ( XXXX ) {$2300.00} XXXX one time/year : XXXX $ XXXX ) {$370.00} XXXX ( to be increased ) {$2800.00} XXXX Primary {$2400.00} XXXX other {$490.00} Husband 's Rental Income ( handed to me each month* ) {$2400.00} XXXX XXXX ( variable from {$100.00} - {$2000.00} ) {$300.00} *Husband 's renter gives him XXXX checks each year and he signs them all to me at one time. 
TOTAL {$12000.00} I also have a Money Market account where I put my access funds. 

Expenses/Month XXXX ( XXXX ) {$2600.00} XXXX Rental expenses {$3800.00} XXXX water ( XXXX ), XXXX XXXX XXXX ), XXXX & XXXX XXXX XXXX ), XXXX XXXX XXXX ) {$370.00} XXXX XXXX XXXX XXXX {$500.00} Miscellaneous estimate {$2000.00} TOTAL : {$9400.00} The nearly {$3000.00} left over is put into my Money Market account. 
I always pay my credit cards in full every month. I do not owe anything else. 

Other Information Both my husband and I have medical insurance for life, grandfathered from XXXX that has little or NO CO-PAYMENT. We also have dental insurance that has a moderate co-payment. Also, I 've had no car payments for the last 21 years XXXX XXXX XXXX XXXX XXXX. I also keep at least {$2000.00} in cash at home. 

My credit rating is at the XXXX level.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around XXXX XXXX XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX XXXX XXXXas final on XXXX XXXX XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 XXXX. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I had  XXXX  walmart cards that was offered to be upgraded prior to getting the card I called to make sure my history for the cards  XXXX  and  XXXX  would stay on the card that I was being upgraded too. The information I was sent did not state anything that is why I called. After getting the card I activated it and the other cards were closed. Now I do not have history on the new card shows I have had the card since  XXXX  and  XXXX . After calling today to Syncrony bank I was hung up on by  XXXX   XXXX  in OH, called back and when asking for a supervisor to correct this was told I could not speak t o one the y would tell me the same thing. Now I have  XXXX  new accounts after calling before and now I am being told I misunderstood.

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 11-09-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just received a call from Convergent Outsourcing to call them back at XXXX because they are trying to collect a debt I owe. The call was automated. I just refinanced student loans two days ago and am absolutely positive that I do n't have any debt that I am currently behind on. I did a quick XXXX search to see if this entity has emerged in other complaints, and it seems that it has a notorious online presence. There is even a law firm XXXX that has information regarding this entity on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Capital one told me that if i opened a spark business card It would help me build business credit and it would report to my business credit report. They marketed the card to me as a Spark Business credit card. I specifically asked them during the application process would the card report to my personal credit report because I was working on my personal credit and opening new debt hurts my report. They told me that it wouldnt. Well thats not true. I found out that it did in fact report to my personal credit report. Its been hurting me ever since as I started using the card daily to run my business. Then the balance got so high from Interest rates and fees that Ive been struggling to pay it. When I called them to close it down and complain that it was ruining my personal credit report they told me that they cant close it with a balance. So I disputed the card with the credit bureaus as improper reporting. i lost the dispute. They allowed them to continue to report this to my personal credit. IT IS ruining my life to this current day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc. 
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Bureaus for no reason dropped my credit score from XXXX to XXXX. No reason was given. On time payments shows excellent.Oldest credit history good.Credit used Excellent. Recent Inquiries average. Why has the credit bureaus trying to destroy me? 

XXXX 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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this vehical was traded paid off by finance company this information is 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 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with CITIBANK, N.A. (OK).
Issue: Other

Complaint: I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-09-2018 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: My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Consumer Loan (Installment loan) with SCOTT FETZER FINANCIAL GROUP INC (VA).
Issue: Managing the loan or lease

Complaint: Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.

Company response to consumer: Closed with explanation