milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This charge account was set up without my knowledge. I have call them and explained the situation but it still remains on my report. Account info:

SYNCB/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Date Updated:  XX/XX/XXXX 
Payment Received: $  XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff: $ XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   >Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX  for $ XXXX <
High Balance: High balance of $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $  XXXX   from   XXXX   XXXX  o  XX/XX/XXXX ; $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to   XXXX   
Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX       XXXX    XX/XX/XXXX  N ot mine and I have never been late. Please have  XXXX  and  XXXX  have this removed ASAP>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I am writing because the agency XXXX XXXX XXXX is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that XXXX is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted XXXX to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.

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 01-10-2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It has been brought to my attention by way of my credit reports ( XXXX, XXXX, XXXX ) that an alleged amount is owed on a debt to XXXX XXXX XXXX and Santander Consumer USA .... 
Per my credit reports ( XXXX, XXXX, XXXX ), Santander Consumer USA closed and charged off this account XX/XX/XXXX then showing a payment of {$62.00} was made XX/XX/XXXX. 
Understanding the credit report says closed and charged off XX/XX/XXXX, so how could a payment of {$62.00} be made XX/XX/XXXX to Santander Consumer USA? 
I am filing a complaint for this inaccurate information being reported on all XXXX of my credit reports that is affecting my creditworthiness, according to Fair Credit Reporting Act, 15 U.S.C. 1681 consumer files are to be promoted with accuracy and fairness. Therefore, please delete the entire account from all XXXX credit reports ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Dear Sirs, I appreciate your attention with this matter. It has to do with a computer my daughter and I purchased from XXXX. It was found to be a three year old used computer so we immediately sent it back. They kept the computer and never refunded our money of {$330.00} After many hours of being on hold with several unsuccessful attempts to speak with a XXXX representative, we finally wrote them inquiring about the refund. They responded with a simple statement that they have now closed my XXXX account. They have given no further communication. 
We then notified Chase Dispute Department. Chase eventually denied our request. XXXX had stated they never received back the computer. Upon calling the Dispute Department as to why it was denied the representative stated our case seemed valid and suggested we reapply with a another dispute request and attach the tracking proof. This we did providing even the name of the employee who signed for it ( See Attachment ). Yet this dispute was also eventually denied. Upon calling the Dispute Department once again, as to why it was denied, this representative also felt that XXXX wronged us and suggested we again send in a dispute request. This we did and it again was eventually denied. A Chase representative, XXXX, wrote to us with this statement, " The results of my review confirm that the transaction is valid '' She continued, " Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' This is why we are requesting the help of CFPB. 
-XXXX clearly misrepresented there product. 
-XXXX clearly stonewalled any communication that would enable the matter to be resolved. 
-XXXX mislead Chase into believing they never received the computer. 
-XXXX has our money and we have no computer. Yet XXXX states " the transaction is valid ''. 
How is this a valid transaction? 
In the 7 years that XXXX is listed with the XXXX they have almost 3,000 formal complaints against them. Many of these complaints speak of the fraudulent misrepresentation of their products. The vast majority reflect XXXX almost complete disregard to correct any of its errors committed against their clients. Of the 22 years my wife and I have been with Chase we believed you to be a force to help protect us from fraudulent practices. We have directed our young daughter whose account is listed here to believe the same way. Please help us! Please get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Credit Corporation (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I placed this account in  Chapter   XXXX  bankruptcy in  XXXX   XXXX  and BK was completed on  XXXX   XXXX . The last payment was paid on vehicle and was paid off  XXXX / XXXX / XXXX  totaling  XXXX .   XXXX  The following is what they show on my credit re port (  XXXX  ) C ollection as of  XXXX   XXXX  to  XXXX   XXXX  Debt included in Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX  They also show I was in collection from  XXXX   XXXX   XXXX  which has been shown as a negative on my 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 04/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 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 04/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX, 2015, I sent Equifax a certified letter, disputing the XXXX XXXX XXXX # XXXX account. I have disputed this account information as inaccurate with them, and Equifax have come back to me and stated they were able to verify this debt as belonging to me. I wanted to know, How is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify this is my debt. I sent Equifax copies of the XXXX letters mailed signature certified along with receipts to this collection agency, asking them to validate this debt as belonging to me. XXXX XXXX XXXX have refused my certified letters and had them returned to me unanswered. 
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX Creditor Contact Details XXXX, PA XXXX XXXX I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. 
XXXX, OK 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 non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Consumer Loan (Installment loan) with Delbert Services (AR).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: CRA  continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On    XXXX   XXXX   XXXX  ,  I took out a student loan with  XXXX . In  XXXX   XXXX ,  XXXX  reported it as delinquent and threatened to sue me. After a written request to cease harassing communication in  XXXX   XXXX ,  XXXX  did not communicate or attempt to collect the debt. On  XXXX / XXXX / XXXX , my credit report reflected the negative account as being due to drop of my report in  XXXX   XXXX . On  XXXX / XXXX / XXXX ,  XXXX  issued a  XXXX  With event code H for this loan. From on or abou  XXXX   XXXX   XXXX   until  XXXX   XXXX , I have had a  credit score in  the mid to upper  XXXX .     In  XXXX   XXXX ,  XXXX  assigned the loan to  XXXX   XXXX .  XXXX  refused to accept the loan. On or about  XXXX   XXXX ,  XXXX  sent the loan to a collection  Agency  called  XXXX   XXXX   XXXX . On or about  XXXX   XXXX ,  XXXX ,  XXXX  reported the debt as delinquent to the Credit Reporting Agencies showing that  XXXX  closed the account in  XXXX   XXXX , and that the delinquent report will not be removed until  XXXX .     From on or before  XXXX   XXXX ,  XXXX ,  XXXX  has failed to provide any means of communication re : student loans and referred all inquiries to  XXXX . On  XXXX / XXXX / XXXX ,  XXXX  denied accepting the loan,  XXXX   XXXX  denied unlawfully reporting the loan to the credit bureaus, and  XXXX  has failed to provide any method of contact to resolve the issue.     The debt is time barred and has never been revived under any section of law. The debt was to be removed from all credit reports no later than  XXXX   XXXX  under the law.     At this time,  one  or all  XXXX  companies appear to be in collusion to avoid liability for unlawful practices under the FCRA. One or all  XXXX  companies have failed to provide any means to dispute the unlawful negative 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 08-10-2015 about Debt collection (I do not know) with Accounts Research, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Checking or savings account (CD (Certificate of Deposit)) with BARCLAYS BANK DELAWARE (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! 
same with email and phone request code opt.

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 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.

Company response to consumer: Closed
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with First Data Corporation (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX   XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX  and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX  until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX  XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.

Company response to consumer: Closed with explanation