milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX " XXXX XXXX '' sent me a regular quarterly report on my rating by the 3 major credit agencies ( XXXX, TransUnion, & XXXX. As to TransUnion, they showed credit activity of someone named " XXXX XXXX XXXX '' ( my name is XXXX XXXX- no middle initial ) ; it also showed employers, etc,, for XXXX XXXX XXXX where I was never employed, and similar errors arising from the mistaken consolidation of my records with his. I called TransUnion last week and told them about it, and they said they would correct it and send me a correction. The sent me a correction which dropped all reference to " XXXX XXXX XXXX ''. BUT the purportedly corrected report showed a number of credit accounts where the account numbers are not mine, and it also failed to show a number of my own accounts at the same banks, etc., I called them again this morning, told them about it, and they said they would transfer my call to " special handling '' -- but they did not transfer its=, hung up ( after a half hour on " hold '' ), and I finally realized that this outfit is just hopeless. If there is some way to get these people to pay attention to correcting their own sloppiness and behave responsibly, please help!

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried multiple times to get my named removed from a Bank of America account that my ex spouse and I had together prior to divorcing almost two years ago. It is a line of credit account number XXXX. I have our executed settlement agreement that states that I am not longer responsible for the account. My ex spouse has let the account go 90 days past due and it is being reported on my credit. This is a causing me a great deal of financial stress. 

Page 11 article 8 of the attached document identifies who is responsible for this debt.

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 01-09-2018 about Debt collection (Medical debt) with CHS, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. 
There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. 
In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). 
I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX  continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. 
Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. 
I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? 

I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Regarding Citi Costco Visa Card Transaction ID XXXX I checked the merchant concerned the above transaction. 
The Costco manager said this transaction was by cash paid in full. 
I want Citi Costco Visa authority to contact the merchant to confirm this cash payment. 
And remove their charge for {$100.00} from my credit card record. 
I hope this action will conclude the last 4 months of haggling and trouble by the credit issuer to a consumer. 
I would like to obtain Citi reply to this issue. 
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 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: I opened an American Express Blue Cash Everyday credit card XX/XX/XXXX, through the American Express website. The credit card offer disclosures promised that I would be given a {$250.00} statement credit if I spent {$1000.00} on the card within the first 90 days of opening. The credit was promised to be given 6-8 weeks after the spend qualification was met. I satisfied the spending requirement just eight days after opening my account, but it has now been almost three months since and I have yet to receive the promised statement credit. This seems like a gross violation of regulations prohibiting unfair, deceptive, and abusive acts and practices ( UDAAP ). Specifically, American Express failed to deliver on an advertised promise. An established financial institution such as American Express should continuously be validating that every customer who has met the spend requirement has been given the promised reward, without fail. Clearly American Express is not doing such rigorous validation, as my reward was not paid out during the promised window of 6-8 weeks. Consumers should be wary of opening American Express credit card accounts where rewards are promised, as there appear to be gaps at American Express in delivering on those promises. Even after contacting the company to inquire about my reward, and the customer service agent acknowledged that indeed my reward had not been paid out despite my meeting the spend requirement, I was told that an investigation would need to be conducted and would take another 7-8 days before any further action ( if any ) would be taken by American Express. If it was obvious to the agent that the reward delivery had been missed, it seems like the agent should 've given me the statement credit immediately. The additional delay seems unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Arbitration

Complaint: On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract

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. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was accessed from the Equifax Security Breach. 

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from one credit bureau then list it with another. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL 3 Credit Bureaus and never reentered on my credit reports again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: PNC Bank in XXXX 2015 offered online a {$300.00} incentive for transferring banking accounts to their bank. I inquired about requirements and was told if I opened the accounts and arranged online bill pay that I would qualify for the {$300.00} payment. It was never paid. I inquired several times online and got no response. When I inquired in person I was told I would receive payment on XXXX/XXXX/15. On my next inquiry XXXX/XXXX/15 I was told that the small print required that I also set up automatic paycheck deposit on the account. This is the opposite of what I was told in XXXX when I opened the account. I specifically asked about the automatic deposit and was told it was not required as long as I had an automatic online payment that went through XXXX bill pay cycles. When I asked to close my accounts since I did n't qualify for the incentive, they told me there would be a fee charged for closing the account in less than 6 months. I believe this is a case of deceptive sales practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, the sale of my deceased mother 's house closed. My brother XXXX XXXX is executor and I, XXXX XXXX am co-executor. My signature is on all of the closing documents. On XX/XX/XXXX, eight months after closing, Rushmore Loan Management Services issued a check in the amount of {$4000.00} as overpayment of the loan payoff. The check was issued in the name of " The Estate of XXXX XXXX. '' All accounts in my mother 's name have been closed as she passed away on XX/XX/XXXX. Attempts to reopen them were unsuccessful. my brother spoke with Rushmore and requested that they reissue the check as " Estate of XXXX XXXX, XXXX XXXX as executor '' and Rushmore said to send in supporting documents and to return the check, which he did on XX/XX/XXXX. Rushmore subsequently changed the account to my deceased father 's name, XXXX XXXX on XX/XX/XXXX. He passed away on XX/XX/XXXX. On XX/XX/XXXX, Imy brother resubmitted all documentation electronically and Rushmore proceeded to change the account to my name XXXX XXXX I am my brothers successor. On a weekly basis, my brother has called Rushmore to no avail. He was referred to XXXX XXXX XXXX at phone number XXXX. He never returned any calls. On XX/XX/XXXX, my brother was referred to XXXX XXXX XXXX at XXXX. XXXX XXXX agreed that the documentation supported my brother being executor. He forwarded his notes to the appropriate department and told my brother to contact him at the end of the week. He has not returned his calls. My brother has contacted Rushmore five times since then to no avail. More than a month later nothing has been done, my name is still not on the account and nearly one year after closing on the sale of my mother 's house, Rushmore is still holding {$4000.00} that should have been dispersed to the estate. I, XXXX XXXX have contacted Rushmore as well on XX/XX/XXXX and XX/XX/XXXX and explained the situation in an attempt to get some resolution and was told " it is still an open task '' and they would escalate this. I was told again that an email would be sent to the appropriate department and that I would get a follow up call. I received no such calls. This is also what they told my brother three months ago. Due to the public nature of this complaint, I have not attached any files due to their sensitive nature but am more than willing to provide them at a later date, if necessary.

Company response to consumer: Closed with explanation