milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: on XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my score

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 10/14/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 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: Problem with personal statement of dispute

Complaint: I had a XXXX XXXX Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. XXXX XXXX accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct. 

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.

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 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Experian stated that they will not investigate ALL of the accounts. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate.

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 08/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.

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 monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Fraud  on account   XXXX   and   XXXX   keeps changing the account numbers looking like there is multiple fraud cases but actually does this to keep breaking the block that was issued to my account with the police and identity theft report on file. On   XX/XX/XXXX     XXXX   in experian on a three way call to  XXXX  with myself and a women from fraud dept named  XXXX  deemed the  XXXX  and its charges fraud  XXXX .  XXXX  said  XXXX   XXXX  have your permission to permanently block this account she said yes. It was blocked and unblocked again by  XXXX  and experian refuses to keep it blocked. Now this is fraud. On   XX/XX/XXXX    XXXX  told me experian had a signed application from me opening account but did n't see it and could n't verify it and the account in question bears a totally different name with my social so how is that verified. The day on the phone  XXXX  said none of my info matched my complaint is against experian I pay go monthly identity monitoring and protection they head for hemselves the account is not in my name, but can be verified lies and experian called got confirmation from  XXXX  and told me I have no rights. Legally I thought I did! I am also on   XXXX   limited income. Also on   XX/XX/XXXX     XXXX   alerted experian that a totally different name appeared to my credit report due to   XXXX    card being unblocked and reporting fraudulent name to an account and social and warned them also and this alert locked me out of both credit bureaus because I was known as someone total else my address changed and name and I had to send proof if my identity to which I did to correct issue and experian still kept block off your kidding me.

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 09-08-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, This firm is going by two names. 1st is Retrieval Masters Creditors but when you call them back they say they 're American Medical Collections. The caller ID says RETRIEVAL MASTERS. I had thought this tactic alone was illegal. 

I think the debt is medical, we 're not sure. Reason why is when they first called we asked them to validate the debt, the caller stated " she 'd email it to us '' that was not the right answer. Soon after they called again, we demanded validation of the debt, we mailed them asking them to validate the debt as well. To date, we received nothing from them. But yet, they continue to call. We feel they 're clearly breaking the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EXETER FINANCE CORP. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I never requested credit form this company. I want this HARD INQUIRY DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I submitted numerous complaints in regards to Bank of America. I sumitted numerous documents demonstrating that I was not the party that applied for a credit card with this organization. I had no knowledge of this debt. The address that I found out was on the application after submitting my complaint, it is an address that I have not resided at in approximately 20 years. I have provided Bank of America that information. I have provided my mortgage document from XXXX to show where I resided and it had my signature to show it was different signature from the application. Then I inquired why Bank of America did not contact me prior to verify if I was applying for a credit card as I have a fraud alert on my credit report. Then they claim they did and the phone number they stated was never my phone number. Then they stated something in reference to XXXX XXXX, I have provided a letter which XXXX XXXX determined this to be a fraudulent account after their investigation. Then Bank of America states about payments, I never wrote any checks or authorized any debits to my account. I keep informing this company XXXX or XXXX when they authorized this card, I had my spouse and son battling XXXX this was my focal point, I never opened or knew anything in regards to this card until after they unfortunately passed and discovered this debt on my credit reports. I tried to correspond with XXXX who was the last party I corredponded with, she did not respond to my emails or calls. Which I emailed this XXXX letter to XXXX as well. I indicated that I attached the XXXX letter as that was mentioned and I provided the letter to show the account was also a fraudulent account and XXXX determined that after their investigation in XXXX. Bank of America submitted this fraudulent debt to IRS as a charge off and I am being held liable for a debt in which I had no affiliation with. I briefly spoke with an attorney who advised me to submit the letter from XXXX to see if the organization will release liability. If Bank of America will not release me of liability when I have proven over and over with documentation that I did n't apply for this card, I have to seek legal represent. I ca n't continue to go through this and be held for a debt in which I am not liable for. I would n't continue to go through this back and forth if I were n't being honest.

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 07/18/2017 about Debt collection (Credit card debt) with Jonathan C. Frank & Associates, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MO).
Issue: Deposits and withdrawals

Complaint: I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!

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 01-04-2016 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX pysicans group and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Other fee

Complaint: I always pay my credit card on time. I logged in to see that my Bank of America credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Payday loan () with GVA Holdings, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: I've tried to save my home I'm afraid since Chase denied me I may become homeless I need assistance working with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Five collection accounts were deleted due to me not having a legal contract with the company and during the equifax breach the collection accounts were added back on. I uploaded copies showing the accounts were deleted and the documents showing the accounts being added back on! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. And Equifax did NOT notify me The FCRA requires credit reporting agencies to " maintain reasonable procedures that ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Credit Reporting has the wrong information on my Credit Report. I have only 1 account with XXXX XXXX XXXX and they show 2 accounts on my credit report. The Correct account is {$570.00} and the wrong account they show is {$620.00}. Again I have only One Credit Card Account with XXXX XXXX XXXX. I want XXXX to correct their information on my credit report to show the correct account only of {$570.00}. Waiting for your reply. XXXX XXXX XXXX

Company response to consumer: Closed with explanation