milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the document s that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requestin  g deletion of all disputed accounts which they did not verify.

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 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

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 03/28/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint through this portal ( XXXX ) in regards to XXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle lease) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on XXXX, XXXX AND XXXX credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XXXX  XXXX Indiana XXXX county Indiana of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I created a Citigold checking account using a promotional bonus code for XXXX XXXX XXXX miles that were to be awarded upon completion of set criteria. I met all requirements necessary to receive the bonus and positively confirmed having met all requirements with several citi agents via live chat on numerous occasions throughout the promotional period. After waiting more than 90 days after completing all requirements, I contacted citi to inquire about the delayed appearance of the bonus points. After several communications I finaly received an email stating that I would not be receiving the bonus points. I have since spoken to several agents and have not been offered any type of resolution.

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 02-02-2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I called to receive payoff amount for my auto loan and was given an amount that was far higher than expected. I was then advised that I was not being charged the annual percentage rate that was agreed upon in my contract but a daily interest rate. Nowhere in the contract that I signed does it state that I had a Simple interest loan and was to be charged daily. Representative I spoke to when called on XX/XX/XXXX at XXXX was not able to explain to my why my contract was not being upheld and only would say that Westlake Financial only offers Simple Interests loans. But yet I was not provided with a contract that states that. Pulling payment information also reflect that several of my payments were interest heavy and paid more interest than principal some months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Payoff process

Complaint: I have a Macy 's store card. I used the Macy 's site, well the CitiBank site who provides the card, to pay the full balance on the card. After paying the balance in full, Citi charged an additional fee. That fee rolled over into the next month generating an additional fee for having an unpaid balance. 

Essentially I used Citi 's tools to pay the full balance on the card and I was later charged another fee. I was not told of the fee and that fee rolled into the next month generating another fee.

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 07/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Payday loan debt) with Riverwalk Financial Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WI).
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: XXXX case # XXXX & Kohls/XXXX XXXX card for Kohls store. THIS case is against both of them as a ) this issue never became one and b ) XXXX ruined my credit score downward my -10 points for something not my fault. 

In either XX/XX/XXXX or XX/XX/XXXX I made a purchase with a brand new, just that day, Kohls card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from Kohls and oh my gosh! I 've not paid my bill!

I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from Kohls on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS KOHLS DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in  XXXX of XXXX. Nothing was done purposely for my credit to be pulled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just XXXX ). 

Negative reporting of not paying a debt which I paid to the wrong XXXX XXXX XXXX account on their XXXX XXXX XXXX XXXX ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as Amex Standard formerly XXXX XXXX XXXX. The consumer should have been informed it did n't belong in the paid up account known as the XXXX XXXX XXXX XXXX, former grantor XXXX XXXX XXXX, and sent back to her timely. Instead it was wrongly transferred to Amex Standard after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

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 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 06/23/2017 about Vehicle loan or lease (Loan) with KEYCORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/2017 XXXX XXXX XXXX XXXX at machine try to withdraw {$500.00}. the transaction was cancel due to NO money came out I want inside to register and ask how much can I with draw she stated {$50.00} I was no please so I purchase something for XXXX and as you can see it was $ XXXX.see attached document. The next morning went to bank to get XXXX for my rent was told insufficient funds at the time I got on the phone with fraud department they credit the {$500.00} to my account. On XX/XX/XXXX they took the money back because the vendor atm machine balance I took they they need to pull the camera/video due to the money never came out!! They tells me the cant because it not there machine I will need to get police report. I just don't understand why I have to do this because I have fraud protection on my account. I just want Bank to do there job get the camera footage and credit my account of {$500.00}.

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 01/14/2018 about Debt collection (I do not know) with Fort Payne Finance Co. Inc. (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX came to the XXXX I work at and I wasn't there. The owner told him where I lived so he came there and i told him I would come talk to him. I did and we refinanced the loan. The owner of the XXXX  told me she didn't like him coming or calling her so I blocked him from her phone. Both XXXX  personal cell and business phones. I got behind on both loans again and he came back to the XXXX while we had customers and sat in the waiting area and I had a customer so I ask him to step outside. I told him not to ever come to my job again. It was embarrassing to me and the owner. He threatened to take my car even though my loan isn't thru him. I had been asking him for a year to combine both loans so I would have 1 payment instead of having late charges on both loans and refinance charges on 2 loans. He finally said they would do it. So i told him that my lawyer and i would come talk to him. He told me i didn't need my lawyer for this. And he would lower my interest rate and all kind of lies. I know a lady personally that was the manager there and when I told her this she said the rate is automatically computed in and can not be changed by anyone. ( I'm also told that when they refinance your loan they keep the difference in the early payoff amount and the actual amount. ) I ended up working the day I told him I would come in. My electric and water bills had to be paid. He came back in the XXXX a month or so later and we had several customers again so I sent him a text and told him I couldn't talk to him bc I had customers and I would be done at a certain time and would come talk to him. He told me hee want there to talk to me anyway and went to the owner and told her he would like to talk to her and his number had been blocked and that she needed to call him. And gave her a card. I ask him why he needed to talk to her and he ignored me. I told her to throw the card away she didn't need to say anything to him ... I contacted a lawyer and she told me he was violating my rights add I could sue them but I let it go. I've started working for the XXXX XXXX and now they are threatening to garnish my wages and I'm within my 90 days and cam be fired for any reason. I need them to stop harassing me. Please tell me what to do. I do have the messages from XXXX and witness to all of this.

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