milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Between the months of  XXXX ,  XXXX , and  XXXX  of    2017  an unverified account with  XXXX   XXXX  for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under  XXXX   XXXX   XXXX  for {$2600.00}. Once  XXXX   XXXX   ( who m I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive m y five bus iness day notice that this information was being re-reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Rewards

Complaint: I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I asked American Educational Services and US Department of Education for a sworn affidavit testifying to the validity of the purported " loan ''. The verification of an account requires " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Affidavit of truth of matters stated and object of verification is to assure good faith in averments or statements of party. '' ( XXXX XXXX XXXX, XXXX XXXX ). Both AES and US Dept of Education have failed to provide the affidavit to verify the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have sent a letter to the debt buyer named  JH Portfolio   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN  XXXX   XXXX  BUT NEVER RESPONDES AS OF TODAY  XXXX / XXXX / 17  ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON  XXXX  BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX  which I am not located in their systems. I have contacts transunion several times with these issues and nothing has yet to be done. I have also asked transunion for written proof of verification and was told they do n't have any. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquires Transunion XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016   XXXX XX/XX/2016

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 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I went online to review my credit report. I noticed an account from Credit Collection Services located in for a {$240.00} Insurance bill. I did not recognize this account so I sent a letter to the agency requesting validation of this debt. I specifically asked for proof bearing my signature as I have been subject to identity theft in the past while away in the military. 

Credit Collection Services signed for the account on XX/XX/XXXX and immediately responded by sending me a bill with an address that I never lived nor do I recognize. 

I asked for documents showing proof of my signature that I actually opened an account for insurance with XXXX. I have only ever used XXXX insurance companies, XXXX and XXXX. 

This account is having a negative impact on my credit score. I have been turned down for loans because of this account. 

A bill is not proof that I owe this debt as anyone can gain access to my SS # and get bills in my name. 

Since I have sent this letter requesting the account to be validated or deleted, Credit Collection Services decided to place this on my XXXX credit report and my score took a tremendous hit. 

I will pursue this to the fullest extent of the law and even take actions to have a class action lawsuit file as I know a few people who have experienced the same issue with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX XXXX, I made an online purchase with my XXXX XXXX XXXX ( AEO ) credit card and the purchase was approved. I had a known credit line of XXXX dollars with XXXX available. After making the purchase and returning the items, XXXX decreased the credit line to XXXX without my knowledge and as a result, put me over my credit limit by XXXX some dollars. I think this is unfair practice and as scam for a customer who paid the bill on time or before time. I called the company and they stated that the affiliated bank decreased my credit line and there was nothing they could do.

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 02-07-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo denied my request for modification in XXXX claiming I had exceeded my limit which I explained was untrue. I ended up filing Ch. XXXX because of their unwillingness to help. After filing for Ch. XXXX, in XXXX per my attorney 's instruction, I submitted another request for modification which was then approved but due to some communication breach between my attorney and Wells Fargo, the  modification began with a 3 month delinquency already on the account. My current XXXX request for modification was denied on the grounds that I have exceeded my limit, the same excuse given me in XXXX and that the previous modification was delinquent even though it was that way prior to my signing modification paperwork. I 'm not asking for an adjustment in payment, only for assistance with the arrearage which has bloomed due to a combination of fraudulent practices during the last modification, personal financial hardship, Wells Fargo 's refusal to accept payments from me and demanding all arrearage instead and many attorney fees added by Wells Fargo.

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 05/19/2017 about Debt collection (I do not know) with Coast to Coast Financial Solutions, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

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 01/28/2017 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 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: Account status incorrect

Complaint: On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.

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 02/13/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: XXXX On today XX/XX/XXXX I went to the branch of XXXX XXXX to open a bank account for my corporation when the representative is working for the creation of the account informs me that you can not create the account because I have a penalty from the Bank of America, which had to go to that branch of XXXX XXXX XXXXXXXX to see what that penalty was, I went to the bank where they gave me a statement in which they notify me that I had no problems with my account and that the balance from my account I was XXXX I did not owe anything to XXXX XXXX XXXX, the Representative gave me a phone number to call, upon calling I was informed that XXXX XXXX  XXXX had reported me for fraud, from a deposit made at an ATM with an amount of {$300.00} and the cashier receives the money but did not report it in my account immediately call attention to the consumer but the offices were closed, I had to wait until Monday to make my claim when or I went to the branch they informed me that I should call a Bank of America claims phone when they called they took the information after 15 days they informed me that the investigation had been done and that they sent me a check with the amount of XXXX When I received the check I went to the branch and I received it because it was my money and now my name appears that I committed a crime. 
This has caused me a lot of bad because I always do everything under the law, I feel harassed and mistreated by Bank of America for accusing me of something that is unfair, I do not understand why they do this if when they investigate they saw that it was true my information and my money back, I have in my possession all the documents issued by XXXX XXXX XXXX that were embassy during the course of the month of XX/XX/XXXX to XX/XX/XXXX, in which nothing is said about Frauds. 
I strongly wish that this accusation be withdrawn for me to continue my banking processes and conduct an investigation with this case. Thank you very much

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 05/22/2015 about Debt collection (Payday loan) with National Check Resolution Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They had XXXX people call me and say they are coming to my work and residence with the police and that I will go to jail. They are now calling my wife and saying the same thing that they will be out today with the police. I do n't even owe this and I requested they send me a copy and they refused. This is very unprofessional for this company to call and make threats and then call my wife with the same thing. That is why they need to put these loan companies out of business. The companies name is XXXX is name is XXXX XXXX and NCR XXXX XXXX they are very rude people.

Company response to consumer: Closed
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.

Company response to consumer: Closed with explanation