milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit reports with all three agencies, Experian, XXXX, and XXXX consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.

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 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: EXPERIAN HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EXEPERIAN ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In  XXXX  of  2016  I opened a credit card wit h Capital One. I was con sistent in making all payments on time and always over what I owed. I approached a hardship, outside of my circumstances, and had a payment returned. Instead of being contacted,  Capital One close d not onl y one b ut both my accounts without notice. I have contacted them on several occasions making good faith attempts to pay this balance off. This credit card company does not care about ruining your livelihood and is solely focus on destroying what you are trying to build. Every time that I contact them, I get an agent who always offers me the chance to re-apply. I even re-applied and all they simply did was deny me. Capital  One  prey on individuals that are trying to meet their high standards but fall short due to life. I would like someone to look at this company with a fine tooth comb because us normal everyday citizens are being scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I used to have a college checking with chase and a few credit cards. When i closed my college checking that i had opened with them of 5 years. I Left and came back to Chase bank and opened a Total Checking account, I was in good standing with Chase all this time. Then recently my Total Checking account was closed for no reason. I went into the Chase XXXX, TX branch and was advised by the Banker that my accounts are marked as Fraudulent and that no further accounts should be opened at anytime. He showed me the notice posted to my accounts and name within Chase Bank system. This is redicules, I should n't be marked as fraud as i have never committed fraud within chase at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to remove a security freeze from my file and haven been unable to reach anyone at Equifax to do so. Anytime you call you get a fast busy signal or the system hangs up on you. 

I also have a ton of fraudulent inactive accounts on my file I tried to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not 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. Please resolve this manner as soon as possible. Thank you.

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 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I check my Transunion, XXXX and XXXX weekly for errors because I am in the process of repairing my credit. I checked Transunion on XX/XX/2017 and 2 accounts were removed the week of XX/XX/2017 and XX/XX/2017 and reinserted on XX/XX/2017 Spoke with Transunion on XX/XX/2017 and the Supervisor stated only 1 account was deleted. The other account in question is XXXX XXXX XXXX ( reinserted ) without any notice to me. Also 7 credit inquiries were also removed and reinserted.

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 05-12-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  XXXX   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 02-09-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Struggling to pay mortgage

Complaint: Beginning XX/XX/2013, Ex wife, ( XXXX XXXX XXXX ) was encouraged to stop paying on house mortgage in order to qualify for a Loan Modification. Chase Bank completed a loan modification initiated by my former spouse without prior written notice or authorization by myself as the primary on the note in XX/XX/2013. 
In Loan Modification section marked ... My Representation on page 2 item C reads : " There has been a no change in the ownership of the property since I signed the loan documents. '' Original Loan and Title was taken / placed in both of our names, both signed loan documents, so statement she signed as TRUE in my representation on page 2 item C, is NOT true. 

If a Quick Claim Deed gives her all interest in the property, the ownership did indeed change from both of us to just her, making the above statement FALSE ( see My Representation page 2 item C ) because ownership of property did change. 

I have been unable to obtain a response from Chase Bank as to why this loan modification was permitted to happen without notifying the primary borrower ( myself ). As I am responsible for paying part of monthly payments. ( bank statements of payment are available if needed ). I feel I should have been involved in the process as I am co-owner on the property. See enclosed divorce decree. 

Loan modification was completed by Chase Bank with my ex wife without my knowledge or signature. My name appears only on the mailing page. Ex wife SIGNATURE is only one found anywhere on the loan. 

The Company involved is JP Morgan Chase Bank with my ex wife, XXXX XXXX XXXX ( XXXX ) and myself, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have my checking account with Bank of America.     I have a payday app on my phone called  XXXX . I use this app when I need more money.      XXXX  on my phone has to basically dial in to my checking account and pull banking information such as direct deposit, ACH of funds and Current Balances.      XXXX  has repeatedly has had instances where it can not pull current information form Bank of America to function properly.

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 12-10-2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Auto) with Sierra Holdings LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NIC, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (AK).
Issue: Customer service / Customer relations

Complaint: My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 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: Personal information incorrect

Complaint: One of the addresses listed under " associated addresses '' is incorrect. I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I sent an email requesting a change but did not receive a reply. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The are searching for a XXXX XXXX who had this # previously. I have had the number since XXXX 2015 and keep telling them she ca n't be reached at this number but they continue to call several times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. MABT/CONTFIN is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX  requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( Bank of America ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 11-07-2017 about Debt collection (Private student loan debt) with United Student Aid (USA) Funds (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: USA Funds continues to garnish my wages without sending me any information in the mail for me to dispute the loan. I have tried to enter into the rehabilitation program to stop the garnishment but they still continued to take money out every paycheck. 

I have never received anything in the mail from them and only have been told by them that they are collecting to XXXX  student loans which was a company that was part of XXXX XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (I do not know) with TCF NATIONAL BANK (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from Gateway One where they call my phone every day leaving voicemails asking for a person who i do not know. I 've told them they have the wrong number but they keep calling. They are violating the FDCPA by continually contacting me and I feel like the only way to stop it is to block them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Again, Bank of America is charging me an overdraft fee but clearly on my checking account activity log ( which I will attach a copy of ) my account did not go negative until my overdraft fee. This seems to be a problem with Bank of America. I do not see how they can charge overdraft fees when my account does not show a negative balance. I feel that this banks system of doing things needs to be investigated.

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 11/16/2016 about Credit reporting () with CORELOGIC INC (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Safe Rent has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called Safe Rent but XXXX at Safe Rent refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ 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