milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XX/XX/XXXX. The second page is taken from my XXXX report dated XX/XX/XXXX. The third and fourth page is from XXXX datedXX/XX/XXXXThe fifth is Experian dated XX/XX/XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XX/XX/XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.

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 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NCC Business Services ( Account number : XXXX ) failed to verify that debt was valid based on statute of limitations. Date of first delinquency dates back to XX/XX/XXXX. Account was re-aged to XX/XX/XXXX without any notification after debt was sold off. Statute of limitations for collection in the State of New York is 6 years from the date of first delinquency. Sent debt validation letter to company on XX/XX/XXXX via registered mail. Company responded with documentation of 1-year lease dated XX/XX/XXXX and set to expire XX/XX/XXXX. Company also responded with invoice noting charges with no invoice number or date. Company refuses to remove item from credit report and cease collection efforts.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All inquires on credit report are fraud i did not make these inquires please remove.

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 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: As of today, I received a letter from Chase Bank on my XXXX  account. They are raising my interest rate on future purchases. I have never missed a payment, gone over the limit, and have honored my end of the agreement since day one, and I have been a customer for over 10 years. 
I immediately called to inquire as to why this was happening and was told it was a just a company wide " business decision ''. Furthermore, I inquired as to how payments are applied and was told any amount of payment over the minimum, after interest is paid, is then applied to principal with the LOWEST interest rate first. 
This is simply not acceptable, and I see this as a predatory lending practice. Changing the terms of agreement in any business relationship without cause is simple greed and bad business practice. I asked to reject it, and they reminded me I a can close the account, of course per the card member agreement that would allow them to demand the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient student loan people keep calling me about another person. I have no student loans open. I have told them repeatedly this is not me and to stop calling and they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TO WHOM IT MAY CONCERN : I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with EXPERIAN regarding a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, the exact data being disputed was identified/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the disputed data and to provide me with documentation showing how this information is correct, because it is not. Certified letters were sent to Experian in early XX/XX/XXXX. It is now XX/XX/XXXX. Proper notice has been provided to Experian on numerous  occasions. I have not received any response back and Experian has failed to comply with their investigation requirements, per Federal and State law. I am, again, disputing the accuracy of this data ( Experians 4th notice ) and putting on the public record that Experian has negligently refused to comply and willfully violated their duties under the FCRA including updating the validity of this information. This information should not be on my file. -- -> THE DATE BEING REPORTED, ALONG WITH SOME OF THE PERSONAL INFORMATION ON THIS RECORD IS INACCURATE.< -- - Newly implemented mandates that took effect in XX/XX/XXXX clearly demand Public Records on Credit Reports MUST include and match the name, address, and a Social Security number or date of birth of the individual that record is attributed to, or else must be removed.

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 07/20/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: On or about XXXX XXXX, 2016 I booked my traveling arrangements including my flight and hotel ( bundle ) reservations for a 3-day stay at the XXXX XXXX XXXX in XXXX XXXX, FL. The arrangements were booked through XXXX. I agreed to pay the airplane tickets for a listing price of {$190.00} each and proceded to booking XXXX seats ( XXXX adult, and XXXX kids ), but inseated was charged {$370.00} for each ticket and XXXX for hotel reservations and insurance. Back in XXXX I called both XXXX and American Express to advised them of this error and provided them with the opportunity to amend this error. Yet they XXXX have failed to make me whole again. Upon reviewing my credit billing statements in XXXX my total fees amounted to {$1700.00} plus the {$190.00} listed three ( 3 ) times. My American Express Card # XXXX and the disputed amount was listed for {$950.00}. To date American Express data base claims they have no records for my account or the claimed I filed with them. The only information I received from them was a survey on the billing inquiry. American Express failed to investigate my billing error according to the billing and error resolution timeliness as prescribed under Regulation Z. To date they have n't resolved this claim and have not admitted they have made a mistake in resolving the error. My account was sold to XXXX Bank in XXXX 2016 with a new assigned credit card # XXXX, I have reached out to them too and they do n't have a record of any of my statements or this claim. I would like for you to investigate the results of my claim.

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 06-08-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: The bank just repossed my car today. They claim the do not have give me written or verbal notice to do so. The bank is Huntington Bank in Ohio. This problem started with them on XXXX/XXXX/15 when I called to reschedule an automatic withdrawal from my checking account to Friday XXXX/XXXX/15. On XXXX or XXXX they took the money out and my account was overdrawn {$350.00} plus fees and other debits there after for total of {$450.00}. However it took them until XXXX to send me a check. I have been behind on my bills and budget since. So today they punish me and take the car.I ca n't believe they can do this without notification. Can you please help? I would like my car back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Credit card () with EQUIFAX, INC. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Equifax has continued to list fraudulent activity on my credit report even after XXXX letters I have sent them. Yes you read that right, I have sent this company a total of XXXX letters and countless faxes outlining the fact that my husbands ex wife tried to open many accounts in my name. The other credit bureaus cooperated but Equifax continues to try and hold me responsible for inquiries that I did not make, allow and was not aware of. They do not report accurate information and as a hard working public servant I expect more from people.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 08-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Thrive National Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was promised that this account would b eremove from my credit if i pay it. i did and they did not remove it

Company response to consumer: Untimely response
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Diversified Consultants keeps calling & not leaving a message. Number is XXXX. When I called the number back it states it 's a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP! 
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent. 
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!! 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Two unauthorized charges on my checking account. XXXX {$160.00} and XXXX {$77.00}. I have contacted USAA on XXXX, XXXX, XXXX, XXXX and XXXX/XXXX/XXXX, and USAA refuses and/or declines to initiate a fraud investigation and restore this money to my account. I do n't know why this bank is being complicit and cooperative with this fraud, but I have exhausted all attempts to favorably resolve this with this bank. I do not believe my money is safe with this bank as the runaround and refusal to act is perplexing and unfathomable. They refuse to acknowledge, respond or take action. I have no choice but to believe this bank is being duplicitous with its customers for whatever reason ; and is somehow cooperating with the fraudsters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation