milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (LA).
Issue: Managing the loan or lease

Complaint: In 2007 my ex-wife and I XXXX. I had XXXX vehicles under my name which were with Ford Motor Credit as the cosigner, and XXXX XXXX XXXX which I was the primary. The XXXX proceedings lasted almost XXXX years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both FMC and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after XXXX years has past from the first deliquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for FMC. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XX/XX/XXXX and XX/XX/XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the XXXX years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Ford Motor Credit Acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Consumer Loan (Vehicle loan) with EXPERT GLOBAL SOLUTIONS, INC. (MN).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Today, Wednesday XXXX XXXX, XXXX XXXX of General Revenue harassed XXXX different family members, my former employer and my spouse 's ex husband. He called telling them " I owed them money and that he had to have my contact info immediately '' after which they all told him the would n't give out my number he said to XXXX of them that " I was in major trouble and that they would be helping him bring me to justice. '' He not only gave them information stating I owed them money but he also told inserted that I was in legal trouble. That is slander. I ask that you have them cease contact with anyone other than me immediately as my attorney is now looking to sue them for corrupt business acts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet. 
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax , XXXX and XXXX are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Credit card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account remaining on my credit report after the company has requested numerous times to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: This loan has been closed for several years yet it is still showing up on my credit report as a liability. I 've called the bank and even stopped into a local branch and they have no record of this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. The breached information includes SSN, home address, birth date and drivers license number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with Nations Recovery Center (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!

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 04/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Delinquent account

Complaint: In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: I paid and settled a credit card account with capitalone for more than the amount the actually limit was for, however capitalone is reporting the item on all credit reporting agency as paid and settle for less than the amount. The credit card limit was only XXXX dollars, however on my credit report indicates that XXXX was written off. I have sent challenge letters and even notarized disputes to request for the negative tradeline be removed from all credit bureau agencies or update my credit report as paid and full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: This is the second CFPB I am filing because the response to the first CFPB did not address our efforts to resolve this issue. The Affidavit of Lost Note is NOT acceptable to us, as it would be admitting that we have a home equity loan, which we DO NOT. We want CHASE mortgage to find the original note to our house, with our signature, proving that we took out a home equity loan. Since XXXX, 2016, we have been trying to resolve this issue of the 'lost ' note so we can refinance our house at the lowest possible conventional loan rate and not the home equity rate and attachment. We still believe, as told to us numerous times that the loan is miscoded. CHASE says it is not, but they have not been able to prove it. A Lost Note Affidavit is not proof. This resolution is not acceptable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 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 information incorrect

Complaint: XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Credit card) with Oxford Law, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: At XXXX on XXXX/XXXX/XXXX I was contacted by phone with a XXXX from the Oxford law llc. She wanted to confirm my name, address and phone also the last XXXX digits of my ssn. After that she informed me that a law suit has been issued against me due to a debit owed to XXXX XXXX in the early XXXX. I once owed money to XXXX XXXX but it was paid off when I refinanced my house in XXXX. Anyhow this debit is past the statue of limitations and I 'm pretty sure this whole thing is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Customer service / Customer relations

Complaint: We have a trip booked to the XXXX, through Capital One 's travel Center. They have my wife 's maiden name on the ticket. They are refusing to change it to her married name.

Company response to consumer: Closed with non-monetary relief