milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested TransUnion to investigate th following addresses as not mines : and Tranunion refused to do so. 
I sent a copy of my FL State Driver 's License and my FL State Concealed Arm permit SSN : XXXX DateofBirth : XXXX/XXXX/XXXX NamesReported : XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX AddressesReported : I also requested that the below telephone number be deleted as not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Again Transunion refused to investigate and/or delete the above telephone numbers. 
The FCRA mandates that ALL credit information in a consumer 's credit file being reported by a CRA to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX / XXXX / 2015  {$78.00} THIS IS NOT MY ACCOUNT I DO NOT UNDERSTAND WHY THIS IS COMING UP ON MY CONSUMER REPORT. THE LAST OF THE DRIVER LICENSES IS NOT MINES AS WELL.

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 10/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: By XXXX 2016 I restructured $ XXXX of personal debt to gain control over {$1700.00} of my income per month. In doing so I consolidated over XXXX debt instruments including credit cards and personal loans. I reduced the number of personal loans from XXXX to XXXX. I erased all of my credit card debt. After doing so I had some of the lenders outright lie about reporting to the credit reporting agencies after being asked repeatedly, some told me 90+ days to get it done, others reported to the credit agencies debts that were no longer valid despite providing pay off letters. As of today XX/XX/2016 I note on my Equifax credit report after XXXX rounds of disputes and almost failing to refinance my debt because of failures in the Equifax ID proofing services, that despite finally reading a {$0.00} balance on all my credit cards they still say I have a monthly minimum payment of {$220.00}. This is obviously in error. It is true that yesterday XX/XX/2016 I finally put {$400.00} on my credit card but that is not currently reporting and this $ XXXX monthly payment is invalid. It clearly is being factored into my FICO scoring as well. I 've tried to call them but there 's no process provided to dispute their own calculations. Not that the dispute process works anyway seeing that I 've had to sequentially dispute my report 3 times to get the balance to where it actually is anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 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 mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) 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 08/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is n't mines, I do n't have anything with 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 01/18/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Advertising and marketing

Complaint: XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). 

I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. 

It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with USI Solutions Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A rep for USI Solutions contacted me Friday threatening to sue me for a XXXX XXXX account XXXX that is more than 7 years old and past the statue of limitations. i explained to her the account age and asked her not to contact me, today i received a letter in the mail stating if i do not make arrangements to pay them within 30 days they were going to file a judgement against me which is illegal because of the SOL law.

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 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 12-04-2015 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is for a medical emergency and follow up at XXXX XXXX. Veterans Administration has paid with me owing only about {$1800.00} (? ). I like to receive payment history from VA and XXXX XXXX. Where does {$8300.00} come from? Did VA pay XXXX XXXX said amount?

Company response to consumer: Untimely response
Consumer complaint received 09-06-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (IL).
Issue: Trouble during payment process

Complaint: AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request. 

- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments. 

-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX. 

on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case 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 03/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # 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 05/21/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have filed a previous complaint regarding this. 

On XX/XX/XXXX BOA took my automatic payment out of my account twice. 

for {$2700.00} they only credited the account once. 

I have called them on numerous occasions to have this resolved with not action taken on their part. So they have owed me {$2700.00} for a month now. 

If this had been the other way around, I would be incurring late payment charges and high interest rates. 

After I filed a complaint with your organization I finally did get some action from BOA. 

They credited my account for {$1200.00} and started to reflect the 2nd payment they had taken on my account. However, they did not refund the entire amount that they mistakenly withdrew on XX/XX/XXXX. They took an extra {$2700.00}, they finally refunded ( after I filed a complaint with your organization, thank you very much ) {$1200.00}. They still owe me {$1500.00}. 

I did not stop payment on my " auto pay '' this month for XX/XX/XXXX. I was afraid if I did they would charge me late payment fees and interest.. 

So now they have taken {$2600.00} out of my bank account for the XX/XX/XXXX payment. 

Which would be OK, except they neither credited me or returned the {$1500.00} they have owed me for over a month now. 

I am in XXXX, so this has been really difficult for me to handle. I have already spent over {$100.00} on international phone calls trying to resolve this with BOA to no avail The only satisfaction I have gotten is from contacting your organization. 

Could you please help me get back the remaining money they owe me? {$1500.00}. 

Thank you 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 monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (KS).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this 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 monetary relief
Consumer complaint received 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the {$75.00} taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of {$75.00} soon after. Additionally, the company decided to lower my credit from {$1200.00} to {$250.00} without any warning for no reason at all, this impacted my credit score drastically. The new management of Gap Credit Card needs to do better, they have made poor decisions and it has negatively impacted my credit. I would like them to remove the delinquent payment of my credit report with FICO, XXXX, and XXXX. I would like them to restore my credit limit to {$1200.00} without negatively charging on my account.

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 05/20/2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. 
I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. 
I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. 
To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. 
I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. 
I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: They discharged and forgave the loans reported them as discharged, then the law office debt collectors still pursuded unlawful foreclosure. They gave fraudulent info to the court to obtain a judgment for loans that were not ours against even our children who were not on the loans or deed to our home. Ruining their credt too. Then after they sent a letter to the sherriff to not conduct a sherriff sale for the reason that the debt was forgiven and there was a XXXX balance on the judgment, then severalmonths later the same law firm collector tried to conduct a sale anyway with no notice and is trying to unlawfully obtain possession of our poroperty. The Bank made a settlement with me to dismiss the claim, but then again would not take what they told me to send them. This collector Law firm has serveal cases where the judge in one opinion of the supreme court upheld sanctions against them for fraud, submitting complaints fraut with errors, and the judge said it was worth to not that the company XXXX has been under serious scrutinization because of their fraud and he knew of 23 other such cases in his district ALONE he wrote in his opinion. I have somewhat figured out what they do, and they need to be prosecuted and stopped. I will provide what I have learned.

Company response to consumer: Closed with explanation