milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2012 I was a Citibank credit card holder. Theyre online system was down, so I had to call in my payment. I asked the representative over the phone for the full amount of the payment. They told me it was only XXXX  dollars. I then asked again are you sure there isnt any extra change. I processed to inform the representative that there was an additional XXXX cents to my current bill. The representative over the phone told me No your month statement is just XXXX dollars The following month Im charged with two late fee. I call and asked why. They told me because I was short that XXXX cents. I told him what had transpired. I was arguing with this over this. I told them I wasnt paying anything at all. I again even explained to a supervisor. The last thing I heard was them hanging up on me. I refused to make payments at the moment. Its now on my credit forever. We fast forward to these day Im sending this. I get a letter from Citibank issuing me XXXX for this account. I was due to them not upholding an agreement for account payment protecting. Thats not good enough for me though as their fraud went to a new level I feel. Theyve also been having their staff set customers up by not fully paying their payments over the phone. I wasnt charged for the over the phone service because their online system was down at the time for me to make my payment. However I was charged two late fees and it escalates from there. Their staff was at fault for their incorrect practices. Again I arguing with them over the phone for months just trying to get my orginal balance back. I was taken to court over this issue. Explained everything to the judge. It was still assigned to my credit. I need help in fighting this please!

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: Account was opened in XX/XX/XXXX. 
Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 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: Reporting company used your report improperly

Complaint: TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!

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 05-01-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I had applied for a Chase XXXX Visa Platinum credit card online on XXXX/XXXX/XX/XX/2015. Due to lack of verifications reasons to further evaluate my application, their fraud department had mailed me a letter stating they needed some personal information sent in verifying my date of birth/current billing address. I provided exactly that by their fax ( copy of my drivers license and current XXXX utility bill ) to speed up the process given by XXXX of their representatives at this telephone number, XXXX XXXX. They confirmed receiving my items 72 hours after. Since then, I contacted them now over XXXX times to discuss and resolve this issue, but their requested contact, Supervisor XXXX XXXX has not returned my call since all the messages that were left by me still. In my last telephone call, I was told from XXXX of their representatives at this number that they had declined my application due to this same reason, but still received no letter. I am even more unhappy that their telephone representative gave me the final decision before they even contacted me. I am extremely concerned about my credit report showing any negativity against other potential creditors to review my account for this unsatisfactory reason. I work very hard to maintain a good credit rating and need find a resolution for this. It has now been on going for over a month now and no matter how proactive I am, they are not responding. I am open to any assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America has not provided any information of whats the cause of them putting me on XXXX, I have requested for them to send me any paper work for over 16 Months and BoA Just keeps telling me that there 's nothing on there system reporting me as fraud

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 03/26/2016 about Mortgage (Conventional fixed mortgage) with Ark-La-Tex Financial Services, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have had continuing issues with my loan servicer researching a payment I made that was never credited to my account. The first request was made on XXXX XXXX, 2016. I sent a request using their online form ( their preferred method of contact ). I detailed every payment that I had made, along with all of the details I had available to me and requested they research and let me know which payment ( XXXX ) were not applied to my account. The response was a generic informational message noting that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. I replied informing them that that response did not address my issue in the slightest and that I would like a supervisor to call me. I never received a call or a reply to that response. 

I contacted them again on XXXX XXXX, 2016 under a new request. I asked for a supervisor to contact me and notified them that the payments that had been posted to my account were not applied anywhere near the dates the bank honored the payments, which would cause me to incur additional interest on the loan. The response was, again, that my payment was made on XXXX XXXX, 2016 and my next payment was not due until XXXX XXXX, 2016. 

I then contacted Benchmark by phone on XXXX XXXX, 2016. The result of that call was that I was to fax proof of payment from my bank to them in order for them to research the payments. I faxed the information I had on XXXX XXXX, then faxed additional information I had obtained from my bank on XXXX XXXX. On XXXX XXXX, 2016, I received an email from the research department saying they had not cashed one of the checks that I had provided proof of payment for. This check was mailed to their parent company at the same payment acceptance address as their company. I contacted my bank and they confirmed that the check was paid to the payee. I responded to the email with this information on XXXX XXXX and I have not received any reply.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 12/30/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with EQUIFAX, INC. (MI).
Issue: Other

Complaint: A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Account Discovery Systems, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX County Courthouse where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all three bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, Experian did their due diligence and called and verified and removed the Judgement but has recently re-inserted the judgment. I do not know who Experian they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
SMALL CLAIMS JUDGMENT Filing Date XXXX XXXX, 2014 Amount {$3600.00} Reference Number XXXX Court XXXX co magist crt Plaintiff 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 non-monetary relief
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: My business partner and I have experienced a total breakdown in communication with the BBVA branch XXXX, TX XXXX. The staff have not resolved simple banking issues and do not reply to our calls or emails. As a result our company : Can not make on-line wire transactions, despite compiling all the relevant paperwork in the branch in person in XXXX Have not been able to have new cards correctly issued Can not access the XXXX account all on line ( error message - account locked )

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (KY).
Issue: Account opening, closing, or management

Complaint: I 've had the same checking account with my bank ( formerly National City, now PNC ) since 2006, and there have never been any monthly fees or charges taken from my account. For the past several months, however, I 've had {$10.00} calculated service charges taken from my account, and I ca n't find anywhere on the PNC website what the charge is for. I have n't made any changes to my account or been contacted by the bank, and I do n't understand what the service charge is for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Ditech Financial LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/2016 I contacted the credit bureau to request validation of the debt they are reporting on my credit report from XXXX XXXX XXXX. I was unfamiliar with the balance due so I requested statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

This account was paid in full to the original creditor before entering into collections and I requested the account be closed. In the past I have provided Transunion with copies of my bank statements showing payment of the balance due in full at the time of the account closing. I requested statements from the original creditor to show how the balance came about. The creditor has not sent me any documentation displaying how the balance was accumulated.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax negligently allowed my personal credit data to be obtained by third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote to Equifax on XXXX XXXX, asking them to investigate XXXX accounts on my credit report. As of today, they have yet to respond to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with The CBE Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Risecredit, LLC (KS).
Issue: Charged fees or interest you didn't expect

Complaint: I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.

Company response to consumer: Closed with explanation