milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I called Experian and asked if they had received my letter regarding unknown items that did n't belong to me at first the representative said no we can not find your file and and we did n't receive anything and that I need to send them a copy of my drivers license and utility bill with social security card. I sent them this information over a month ago and they still never sent any correspondence that they had received it but I am aware that they did because it was sent certified mail and it was tracked when they signed for it. After I told the representative this he transferred me to another person named XXXX from the XXXX team and XXXX would n't give me his last name or supervisors name and he told me that there was no file number for my report. I asked him for the file number so that they wo n't have any issues finding my file if I need to contact them again but he said there was n't XXXX but how can that be if he found my credit report and told me it 's being reviewed. I asked XXXX from the Alpha team to send me a copy of my report because I believe there are items on it that do n't belong to me because of identity theft and at first he said he could n't because it 's under investigation and then I told him I read according to the Fair Credit Reporting Act you must send the consumer a copy of their credit report anytime they have become a victim of identity theft then he said he will send it within XXXX10 business days. If I 'm not mistaken the FCRA says that a credit bureau must respond with 5 days after they have been notified of the identity theft fraud on a consumers credit report they have failed to do so. I am well within my legal parameters to file a civil suit against Experian and name XXXX from the XXXX team in it also. We spoke on XXXX at XXXX The items on my report that are n't mine and came from a direct result of identity theft need to be deleted from Experian. Here they are below. 
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 non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Payment to acct not credited

Complaint: A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMCOL Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XX/XX/XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan

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 03-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Rewards

Complaint: CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Experian credit report as been showing a collection from  XXXX   XXXX , Account number starting in  XXXX  witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same  Company n ame,  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 10/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative called me earlier today, XX/XX/2016 in which they hang up quickly after I said I did not what they were calling about. At XXXX, XX/XX/XXXX, I called back and spoke with a rep, did not understand what she was trying to say her name was. However, I did hear her say several times she was going to sue me on the old debt and that the creditor was XXXX XXXX XXXX and XXXX. I need management to listen to this conversation because I recorded it and will be seeking an attorney for suit. I am XXXX years old and will not tolerate being treated this way. I have asked that calls be ceased previously and now I am receiving called from Portfolio Recovery Association threatening suit. My income is XXXX social security income without assets. My children take care of me financially. I would think this information such as assets, checking account employment would be verified before threatening. I am certain Social Security benefits can not be garnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09-04-2015 about Debt collection (Medical) with Revenue Recovery Corporation (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a bill for either XXXX and I have XXXX and XXXX he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have XXXX and XXXX. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I cosigned a loan from XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) for my mom in XXXX. In XXXX, my mom stopped making payments. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. I immediately started making payments. On XXXX XXXX, XXXX, my mom passed away. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. On XXXX XXXX, XXXX, my mom XXXX XXXX. Shortly thereafter, I paid off the entire loan. At no point did I intend to not pay my debts. Once I knew a creditor was seeking payment from me, I started paying right away. Like a XXXX -- I 've always paid my debts. XXXX VIOLATED 15 U.S.C. 1681-2 ( A ) ( 7 ) ( I ) BECAUSE IT DID NOT NOTIFY ME IN WRITING OF ITS REPORTING OF NEGATIVE INFORMATION TO TRANSUNION BEFORE REPORTING THE NEGATIVE INFORMATION OR 30 DAYS THEREAFTER.

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 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. 

I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. 

After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. 

After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I transferred XXXX Litecoin ( worth aprox. USD {$38000.00} as of today XX/XX/XXXX ). I did this transference on XX/XX/XXXX from Exchange company Coinbase.com to another Exchange company and the money is still stuck in " Pending transaction ''. It 's been 9 days without having access to my money. They promise that transactions may take as long as 24 hours but it has been 9 days already. This is inadmissible. I contacted them and asked if at least they could cancel the transference and they told me they ca n't which is a lie. Other Exchange companies even provide a cancel button for the user to cancel transactions like this as long as they have n't come through yet. My transaction is stuck in " pending '' with zero conformations, which means it has never left Coinbase yet, however, they refuse to give me back my XXXX Litecoin.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation