milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Delinquent account

Complaint: My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Getting the loan

Complaint: I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern Checking my credit report the other day I found some items that I would like cleared up. 

First I 'd like to address the XXXX XXXX ... This was included in our Bankruptcy which was final XXXX XXXX 2013. I 'd like to have it removed from my Credit Report and considered dissolved under our Bankruptcy. 

Next ... 
XXXX XXXX XXXX XXXX is paid in full. This was supposed to be paid by our insurance Company but they did n't want to pay 100 % .We fought this and lost. 

Next ... 
XXXX This debt also was included in our Bankruptcy and I would appreciate if this item can be removed from my report. 

Next ... XXXX XXXX XXXX .... 
This Debt was paid off not by Bankruptcy! We paid this off all the way to the final Payment. No Bankruptcy Discharge on this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ),  meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.

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 03-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE SENT CERTIFIED LETTERS ON  XXXX  DIFFERENT OCCASIONS TO ALL CREDIT BUREAUS (  XXXX , EXPERIAN AND  XXXX   ) IN REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND M Y NAM EIN DIFFER ENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XXXX    , XX/XX/XXXX  THO SE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  ONE ACC OUNT FROM TEXAS BUT  LEFT ANOT HER  ONE IT  ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may co ncern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to t he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispute d information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 03/20/2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account 3 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately.

ACC # 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 02-09-2018 about Vehicle loan or lease (Loan) with Carolina Finance, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/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 06-11-2017 about Debt collection (Mortgage debt) with HUNTINGTON NATIONAL BANK, THE (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was divorced in 1998. Even though I have contacted the credit reporting agencies, two of them, Experian and XXXX, continue to include my ex-husbands information on MY report. Therefore when I am asked questions regarding " my '' credit history I do not know the answers because it 's my ex-husbands data, not mine. I was currently denied credit by two credit unions/banks because Experian and XXXX say I have delinquent accounts. The car loan I was able to secure was twice the interest rate I should be paying. My credit score is 800 or over. This should not be happening. Please advise how I can get my information alone on my reports as writing to Experian and XXXX did nothing.

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 02/13/2018 about Debt collection (Credit card debt) with Financial Business and Consumer Solutions. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 I faxed a dispute letter to Equifax regarding reinserting previously disputed and deleted addresses without notifying me of doing so in writing within 5 business days of reinserting them and they ignored my dispute letter. I have again faxed them a dispute today XX/XX/2017 but to ensure that they properly acknowledge my dispute I want to file this complaint as well. I received a copy of my credit report dated XX/XX/2017 with XXXX previously disputed and deleted addresses reinserted on my credit report. I am requesting that they REMOVE ANY AND ALL INFORMATION THAT HAS BEEN PREVIOUSLY DISPUTED AND DELETED ESPECIALLY SINCE THEY HAVE NOT NOTIFIED ME OF REINSERTING THE INFORMATION IN WRITING WITHIN 5 BUSINESS DAYS THEY ARE CLEARLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: WELLS FARGO XXXX By now I have attempted numerous times to bring to your attention that Wells Fargo IS in fact IN VIOLATION of the " short term mortgage assistance offer- SECTION B '' where it states that you Wells Fargo '' may NOT impact and report this account as ONGOING SERIES OF LATE PAYMENTS '' ... I have attached the agreement AND credit reports where you CLEARLY violated and keep violating this SECTION B - ALSO, you are reporting the past due balance on this account to the bureaus as {$62000.00} WHICH IS WRONG!! and the actual and accurate amount still due to you as of XXXX XXXX, 2017 is {$34000.00} .... ( see attached statement YOU- wells fargo ) sent me! You have violated section B of the contract and violated Fair Credit Reporting Act rules and regulations by reporting WRONG/INACCURATE/FALCE information to the Credit Bureaus and have been damaging my personal credit rating for 2 years now.

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 04-06-2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Payoff process

Complaint: In 2005, we took out what we thought was a loan from the XXXX. XXXX heating and air conditioning company for a new furnace, air conditioner and ventilation system for our house and new addition to the house. This loan was serviced by Well Fargo Financial National bank. My husband got sick and our financial situation changed as it did for so many other families. The XXXX year of the loan, I paid the interest. As our financial situation changed it became difficult to make payments. I called the company to ask for a balance liquidation, but was only offered a " re-age '' program to get current. Some of the employees at the bank were unwilling to help and spoke to me in a condescending manner as evidenced by their recordings. I have since paid the debt, but was never sure if it was a loan or a credit card. The original amount of the loan was for {$10000.00} and I was charged an interest rate of 17.90 % with a monthly payment of {$290.00}. If it was a loan then the interest should have been included in the monthly payment and if it was a credit card, then the monthly payment should have decreased. I was constantly charged the interest and the monthly payment remained the same for the duration of the loan. I would like the return of the interest money and late fees in addition the correction on my credit report as " paid in full in good standing ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Today banks and credit card companies have disproportionate advantages and monopoly on transactions. 

Citigroup is using that monopoly to punish lawful merchants of firearms. This abuse sets a dangerous precedent of companies that are gate keepers for a consumers money and is extremely harmful. Today it is firearms but this is possible with anything a credit card processor may agree or disagree with.

Citigroup should also be punished for the age discrimination they are attempting to impart on the merchants in question. 

I would like to know how Citigroup is going to remedy this situation and what the next steps are from a corporate governance perspective. Specifically Id like Citigroup to define how their bank will or will not interfer with lawful transactions going forward.

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 10-02-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.

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 07-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.

Company response to consumer: Closed with explanation