milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (OH).
Issue: Application processing delay

Complaint: I applied for a BBVA NBA XXXX XXXX card application on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. BBVA requested and received my XXXX Credit file on each date listed. I received XXXX ( XXXX ) letters regarding each application stating that each application was declined due to " unable to verify identifying information ''. I have contacted BBVA repeatedly in an attempt to understand what information the company was unable to verify. Each BBVA representative basically stated the same thing that identity verification failed and wait a few months to reapply again. Unfortunately, no one within BBVA has the ability to inform consumers of what identity failures have occurred. It was recommended to contact XXXX directly to verify my information. I contacted XXXX and verified that all my identifying information listed on my BBVA application matched the information in my XXXX credit file. XXXX actually recommended that I contact BBVA to discuss any identity verification directly with them as my information with XXXX is correct. The information on my BBVA applications were in compliance with with Section 326 of the USA Patriot Act which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

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 07/28/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account XXXX was paid in full and not settlement. i have sent information indicating the account was paid in full. its being reported as settlement by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days 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 issue as soon as possible. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Trouble during payment process

Complaint: Dear Banking  and Financial Dept Re garding Primary resident.  XXXX   XXXX   XXXX ,  XXXX   XXXX  GA  XXXX .    XXXX   XXXX  and  ( SPS Select Portfolio Service ) ref used to provide a monthly Statement.     I am writing this letter because of the unlaw act from both financial Intuitions.  XXXX   XXXX  and  ( SPS Select Portfolio Service ) will not  provide mine  XXXX  Mortgage Statement.  XXXX   XXXX  refused because  ( SPS Select Portfolio Service ) is  now servicing my mortgage loa n. ( a s of  XXXX   XXXX ,  2017  ).      XXXX   XXXX  is still my mortgage holder bu t ( SPS Select Portfolio Service ) is se rvicing mine Loan. I called  XXXX   XXXX  last week for  XXXX  Mortage Statement and printout of payment history. The representative stated  XXXX  will not able to provide me with  XXXX  Mortgage Statement or further statements. Because,  XXXX   XXXX  transferred my account to be ser vice by ( SPS Select Portfolio Service )   XXXX   XXXX ,    2017   XXXX   XXXX  emailed me a copy of my payment history, ( Up to  XXXX     2017  ) which in excellent standing ( NO Lates ) I contact ( SPS Select Portfolio Service ) on  XXXX / XXXX / 2017  for mine  XXXX  Mortgage. Spoke with ID  XXXX  and  XXXX   XXXX   XXXX  supervisor, both stated I will never receive a Monthly Statement, because of old 10 years BK. I informed both representatives  XXXX   XXXX  sent Mortgage statement every month.     I informe d both ( SPS Select Portfolio Service )  representatives, that  XXXX   XXXX  always provided detail monthly statements,  XXXX   XXXX , a supervisor stated I will need to call in every month  for details. Plus I will NEVER receive a detail monthly statement. In additions, It 's my responsibility to call ( SPS Select Portfolio Service ) each month for my payments. SPS Select Portfolio Service will let know mine payment amount by PHONE ONLY.      I also request f or ( SPS Select Portfolio Service ) n ot share my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. 
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. 
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. 
NEVER HAPPENED! 
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. 
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. 
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. 
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. 
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. 
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX Amsher collections said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company XXXX the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on 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 non-monetary relief
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: An app, XXXX XXXX, has not been updated in 7 days. This has caused the app to stop functioning. There is little to no communication from 5/3 Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 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: Account status incorrect

Complaint: Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX " FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now ''

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 08/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Sir : On XXXX XXXX,2017 I was out of town, on a vacation, five hundred miles from my residence in XXXX XXXX. A letter arrived from Bank of America, regarding insufficient funds in one checking account. I reacted to The message immediately upon the date of this notice. I was not able to cancel my vacation therefore I applied for help at the nearest branch of Bank of America in XXXX, Nevada. The branch manager whom I spoke with informed me that the processing of this transaction was delayed only temporarily and my account funded later when I returned in two days. The information was incorrect and I should not be penalized for their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with Michael Haynes & Associates, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX XXXX AND EQUIFAX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.

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