milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Experian for reporting XXXX collection accounts to my name that have been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Experian, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. That is when Experian began sending me, what I suspect, were letters to stall me and discourage me from pursuing anymore evidence or verification. At least XXXX times on XX/XX/XXXX and XX/XX/XXXX they responded to my concerns with letters claiming that I was being " suspicious '' and potentially " fraudulent '' and that they refused to process any more of my disputes. I am so confused by how a credit reporting company, who has my California drivers License, social security card, bank statements and everything else necessary to verify me can still accuse me of not being me. I have almost felt as though they wanted to pursue legal or criminal action against me! I felt threatened and now I have no where else to turn regarding some inaccuracies and false reporting. I have also filed CFPB complaints against XXXX in XXXX CA, for illegally and fraudulently reporting onto my credit file with Experian. Under FCRA guidelines I am aware that as a consumer I have rights to dispute inaccurate and invalid items and that my credit must be reported with 100 % accuracy and this is absolutely in violation of that and can not threaten me for disputing inaccurate information. I truly question the tactics Experian utilizes to verify disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Shopping for a loan or lease

Complaint: I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. 
Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. 
I did my part in a timely manner as was requested.

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 09-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A fraudster went into two different branches, one in XXXX IL and one in XXXX  and withdrew out {$2500.00} from my account and then {$3500.00} from my account at a physical location on XX/XX/XXXX.  I realized the {$6000.00} was taken from my account and filed a claim with Chase on Saturday the XX/XX/XXXX. I understand the 30 days it may take to rectify but provisional credit should be provided and wont be. When speaking to the personal banker in a branch location in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX, he said Provisional credit would be provided within 1-3 days. I called today XX/XX/XXXX and was told no provisional credit will or can be given, even though my claim has been approved but its still under review. How can it be approved without a review? This has caused me a significant financial harm as I have a mortgage, and other bills to pay for along with taking care of my family. Chase does n't care about this situation this put me in as it basically cleaned my account out. This was solely an issue with Chase as they allowed two fraudulent transactions occur at their branch. My wife had her wallet stolen with her ID in it ( no account numbers were in there ) back on XX/XX/XXXX. We called Chase and informed them of the theft, yet no notes were placed of the theft on their teller profile. The fraudsters could n't have had the account number and would have needed to be provided by the teller when the fraudster went into the branch/drive thru. I called today ( XX/XX/XXXX ) and was told by an escalated claim rep- XXXX XXXX  around XXXX XXXX CST ) that provisional credit can not be given in this circumstance and I would have to wait up to the 30 days even though the level of financial harm this has put on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with I.C. System, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS  INC  or the other company and by SC State law (  SCCLA 15-3-530 ) the statue  of limitation for debt collection is   XXXX    years from the  XXXX  date of delinquency. The first date according to IC  Systems  is   XXXX   I did not have services with company. This company is in violation of my state law. Please remove from my credit report.

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 06-01-2017 about Vehicle loan or lease (Loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the matter.

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 03/22/2016 about Bank account or service (Other bank product/service) with CL HOLDINGS LLC (WA).
Issue: Account opening, closing, or management

Complaint: I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  XXXX / XXXX / XXXX  I disputed an item on my  XXXX  report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify  XXXX  that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to  XXXX .  XXXX  did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information.  XXXX  responded back that they would not reinvestigate as required by law. The information being reported on my credit report by   XXXX    is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

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 10/30/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with CITIBANK, N.A. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, I have disputed an account with Experian to validate the accuracy, In return they sent me a letter stating they have validated the information, I sent a letter to XXXX XXXX via Certified mail requesting validation which no response was ever sent back. I contacted Experian again via mail and they refuse to investigate the account stating they have already validated. I have made multiple attempts to contact XXXX with no response. I have attached the following communication between Experian and XXXX as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Credit card () with One Technologies, LP (WV).
Issue: Billing disputes

Complaint: I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.

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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Application, originator, mortgage broker

Complaint: I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2016 about Debt collection (I do not know) with TekCollect Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.

Company response to consumer: Closed with explanation