milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

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 02-12-2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (NV).
Issue: Account opening, closing, or management

Complaint: I had an account with PayPal Credit which was paid and closed. However, PayPal continues to send an invoice each month. Last month ( XX/XX/2017 ) for {$2.00}. This month ( XX/XX/2017 ) for {$4.00}. 
I have contacted the company to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Transaction issue

Complaint: XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The is a scam. The company STATEWIDE LEGAL MEDIATION is claiming to represent XXXX XXXX XXXX ... The company has NEVER ( I called to verify ) had me as a client. This company in an effort to catch them I allowed a {$10.00} charge which I disputed from my bank had removed today. I also had my banking information changed as well. This company is very crafty.. They have your last four and birthday info like most of these companies. You just CAN NOT and should not give them any more info ... Thank you

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Very briefly, XXXX failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ).

Dispute 2 : Wells Fargo prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to 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 explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I would like to be removed from XXXX. Based on my research XXXX is to prevent fraud I am not a fraudster and no company has the right to represent me as a Fraudster because that is slander. My previous financial institution ( WellsFargo ) reported my account due to their banking error. WellsFargo is extremely unorganized and unprofessional with a horrible reputation and very questionable standards of integrity. 


I spoke to several representatives on the phone and they stated that the bank reported my account to the XXXX company because it was over drawn. My account became over drawn because of their bank app & website and text command providing inaccurate available account balance results. This is a common practice for WellsFargo I have spoke with several people who have actually closed their accounts with WellsFargo because of this negligent, inaccurate available account balance result that you get when you use the banks tools that are provided by the bank to get account information. 


The representatives that I have spoke with told me that its not a banking error for displaying inaccurate information it 's something that just happens they do n't know why but it is n't their fault they told me that it was at the fault of the merchants and my fault and in their personal opinion its not a banking error. When I asked them how could I have know this they told it was a opinion of " bankers ''. I told them that reporting my account to XXXX effects me and ca n't be based on someone 's opinion they told me that they ca n't provide anything in writing its just something that everyone should know. Well everyone is n't trained to be a banker for WellsFargo. This is something that I just do n't understand. 


I want WellsFargo to remove the report from XXXX completely I want to removed from XXXX. Because its negligent of WellsFargo to report something like this and I have paid them the amount that was over drawn and I am not a theft or a fraudster it was a misunderstanding and it has a negative impact on my business dealings. They stated that XXXX is n't a credit reporting agency however it impacts me still because financial institutions and employers check XXXX and all financial institutions and employers are n't willing to do the research and inquiry about what happened.

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 06/17/2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Rewards

Complaint: US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX.
In XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XXXX of XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XXXX of XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting.
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this.
There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest.
This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.

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 04/18/2016 about Debt collection (I do not know) with Healthcare Management, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am financially struggling. I called and offered to pay XXXX dollars a month towards my debt until I could get back up on my feet. A-1 refused to take my payment and said they would be garnishing my wages. He even said he would sleep just fine at night knowing I would n't be able to eat if he garnished my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with ERC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: NOT AUTHORIZED TO TRANSMITT PRIVATE INFORMATION UNDER FDCPA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. 
Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. 
In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 
3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. 
is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 
4. Communication has been hard. This includes me also. 
5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. 
to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? 
This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I would like these inquiries to be deleted, and your customer service representative repeatedly hung up the phone and would not take care of the negative inquires reporting to my credit.

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 04/13/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.

Company response to consumer: Closed with explanation