milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with The Law Offices of Gerald E Moore & Associates, PC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This law office revealed to me that a named third party has a debt in collection. This may be an attempt to harass me because I filed a CFPB complaint against another debt collector a few days prior. 

On XX/XX/XXXX, I got a message on my answering machine from a representative of the Brett M. Borland, P.C. law office about a debt. Today, on XX/XX/XXXX, I called that representative, and she confirmed via transparently evasive language, that someone else has a debt in collection. 

The timing seems suspicious to me, because a company called XXXX, in response to my complaint # XXXX against them, stated on XX/XX/XXXX. that my " telephone number has been removed from our system. Additionally, we have placed the telephone number on our internal Do-Not-Call directory ''. Note, their language does not exclude passing my number on to a third party. Two days later, I get a call from a law office, looking for the same person to collect a debt. 

It seems reasonable that XXXX passed the collection file to a law office as a means of harassing me in retaliation for filing the complaint. The Borland law office representative told me specifically that they are not associated with XXXX in any way. She also had no interest in finding out her firm had possibly been used as a harassment tool, and hung up on me when I tried to enlighten her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. 

I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. 

The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I hold XXXX fully responsible for this derogatory collections on my credit report with Experian. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

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 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX Chase bank did another inquiry on my account. I have a new inquiry now on XXXX and XXXX. I really with this company leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy is reporting incorrect information.

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 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the accounts with Experian in which Experian corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX XXXX & XXXX XXXX regarding the alleged accounts. Experian was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditors XXXX XXXX XXXX or XXXX XXXX can not validate the alleged debts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Debt collection (I do not know) with Stephen Einstein & Associates, P.C. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX obtained a default judgment against me for a debt I have no idea what it is. And i was never served papers to appear in court to defend myself .XXXX was sued in a class action lawsuit and went out of business selling their paper or debt they had to Stephen Einstein & associates who is now garnishing my wages this is now twelve years after the original claim by XXXX.I did have an attorney send a letter to XXXX and he never responded to my attorney at all..I have every letter and document that I have received in my possession if you need it sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. 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 explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: In XXXX, XXXX I opened a business account at BB & T in XXXX, XXXX. It was a joint account. In XXXX of XXXX I went to the bank to get copies of the account statement. I was told there was no record of the paperwork completed when we opened the account and therefore they would not release information. I was informed that the account had been closed in XXXX of XXXX without my knowledge or permission. I was told to get an attorney to subpoena the records from XXXX home office of BB & T. I contacted an attorney who stated I would have to file a lawsuit to get a subpoena and it would have to be signed by a judged. I do n't want to sue BB & T and run up a law bill the size of XXXX just to get my bank records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with XXXX XXXX who in turn used XXXX XXXX - I received a letter today stating I was denied credit with XXXX XXXX via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both XXXX XXXX and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Unsolicited issuance of credit card

Complaint: I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: We initiated a Wire Transfer through their Online System Their Online System required us to Enter the Account and Wire Info Twice to Confirm Since we entered Twice and we confirmed the Information - We were Confident it was correct. 

We received a Phone call from the Bank - that they wanted us to Verbally Confirm it again - We asked why, their Response is because they Manually type it and they want to make sure they type it right. We were Driving at the time and did not have the information with us ... .. We assured them since their system Required us to Input it twice - that we were confident that the information we provided was accurate. That if they were going to input the number incorrectly from us typing it, what would stop them to input incorrectly if we verbally give it a third time. That the reason we chose to pay a {$25.00} fee and do the wire transfer is that the money was needed immediately in the other account. They Refused to do the Transfer and instead transferred us to a " Customer Advocate '' at which she did nothing but immediately transfer us to a Customer Service Manager - at which time our call was disconnected during the Transfer ... ..

The above info - is more the background of why they could not do the Transfer. It is their Policy even though it does not make sense. But because this is their policy - We will be closing our accounts - Business and Personal and moving them to a Local bank. 

Where our problem is - Even though they refused to do the Transfer - They Deducted the {$2500.00} from our Balance and the {$25.00} Fee - So we have had No Access to the Funds ... .. And technically they have taken our money! 

We want XXXX XXXXCapital One - to immediately return the {$2500.00} to our account!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My rights under the wage earner law has been violated. My identity have been stolen. Fraudulent accounts were open while I was under  wage earner . My case numbers are  XXXX  and  XXXX . I was discharged  in  XX/XX/XXXX  on the first case &  XX/XX/XXXX  on t he second case. My drivers license have been stolen, social security card. My date of birth changed with all  XXXX  credit agencies. All of my former employers have been changed. All of my former addresses have been changed. A seven year fraud alert have been placed on all   XXXX   credit reports. The  XXXX  Family have tried to take my life to keep me quite.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX     XXXX   have complete access to my personal information and she 's abusing my identity. I am missing four digits Of The account number because I did n't originally open this account. My social security number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Debt collection (I do not know) with The CMI Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX County Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1400.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$750.00} Court : XXXX XXXX District Court Docket # : XXXX Plaintiff : XXXX XXXX XXXX XXXX Balance : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Trans Union has never responded to my dispute on XXXX XXXX, 2016.

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 07-10-2016 about Debt collection (Medical) with Harvard Collections, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to know how to contact Havard Collections to close outa debt owed and to have it lifted from my credit.

Company response to consumer: Closed with explanation