milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with First Data Corporation (CT).
Issue: Deposits and withdrawals

Complaint: I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

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 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX related " hard '' inquiries on my credit report from " Factual Data '' relating to a sub prime business loan with XXXX XXXX XXXX. XXXX inquiry on XXXX XXXX 2016, and the other on XXXX XXXX 2016. This loan has been paid in full. I advised this company repeatedly to not procure credit status inquiries from me using this method but to use the more customary " soft '' inquiry method thus not impacting my credit score. They ignored my repeated requests, However a XXXX inquiry on or about XXXX 2016 was removed as a result of a complaint I made to CFPB.

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 03-06-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a HSBC choice checking in XXXX through a sales rep over the phone and was confirmed that I was eligible for a {$350.00} promotion offer for opening the account. 4 months down the line, I even got the rep at HSBC acknowledge that I was guaranteed to get the {$350.00} and that I could store his chat for records. Today, I received an email from HSBC stating that I had a credit card that they closed in XXXX due to non activity. I was informed that because of a credit card that I became ineligible for the bank promotion. This was never informed during account opening and it seems like a bait and switch on the part of HSBC. If it was an issue, why wasnt i informed when I opened the account when I gave my SSN and all other supporting documents to open my bank account. I should have been ineligible at that time as well but on the contrary they even confirmed that I should get my bonus by XX/XX/XXXX. I would like to get my {$350.00} promotion

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: I refinanced my XXXX loans ( XXXX ARM and HELOC ) with Wells Fargo to another lender, the refinance transaction closed on XXXX XXXX, XXXX. To date I have not received a copy of the recorded release/satisfaction/cancellation of the mortgages. I called the XXXX XXXX XXXX of Deeds office on XXXX XXXX, XXXX, and learned that a cancellation for the HELOC was recorded on XXXX XXXX, XXXX ; however a cancellation for the primary mortgage has not yet been recorded, pursuant to NC Gen. Stat. 45-36.3. Please send me a copy of the recorded cancellations of both loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: creditor letters are attached for the removal of the delinquencies, i have already send the letter to the bureaus to have them removed but they are not cooperating please help me to remove these inaccuracies from my credit report. 
thank you

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 02/15/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: I would like to close my Paypal account, " XXXXXXXXXXXX ''. I received email from Paypal that " After reviewing your account, we have decided to close it because of security issues. '' Paypal stated " funds have been withdrawn/transferred out of the PayPal system to a bank, online bank, ATM or prepaid card. '' They are incorrect. After speaking to a customer service representative today, I was told I could not withdraw my funds for 180 days. However, this is not satisfactory, since I have no outstanding transactions and would like to receive the full balance immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Student loan (Non-federal student loan) with TEXAS HIGHER EDUCATION COORDINATING BOARD (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact you.

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 09-11-2015 about Consumer Loan (Vehicle loan) with DriveTime (CO).
Issue: Managing the loan or lease

Complaint: Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This would be a complaint against XXXX, XXXX XXXX XXXX, and Equifax, who I use to monitor my credit activity. Below is the original complaint sent to the FCCXXXX has been trying to charge me for equipment that supposedly was not returned to them in XXXX. After much arguing, a manager found that I had shipped back the equipment, they were scanned in at the XXXX XXXX hub, and lost from that point. XXXX agreed to refund my account. But yesterday, the company filed a collection account against my credit via XXXX XXXX XXXX. I contacted the collection agency and they were able to see that I was in fact, owed a {$160.00}, which I have never received. I am also a current XXXX customer and my account is in good standing. I would like my {$160.00} refund and this removed from my credit immediatly. 

Equifax conducted their review and determined that the debt is mine. It absolutely is not. The representative at XXXX even advised that I was given a credit refund ( which I have never received ). I am a current XXXX customer in good standing. I paid that bill from XXXX in full and XXXX admitted that it was the carriers fault that they did not receive the equipment that they are charging me for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with Colony Brands, Inc. (CA).
Issue: Billing disputes

Complaint: Im being charged for something I never received and have talk to swiss colony several times as well as emails and nobody will help or acknowledge what, where or how I am being charged, but they have no problem putting this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: In short, on XXXX XXXX, 2011, I took out a VA Mortgage Loan with WELLS FARGO BANK. Everything appeared good up until the point when I took some private accounting, constitution and banking classes. To make a loan story short, I discovered the fact that WELLS FARGO BANK participated in banking fraud. How is this so? All banks are governed by the Federal Reserve Bank. The Federal Reserve Bank published various publications such as " XXXX '', " XXXX '', " XXXX '' & " '' XXXX '', which openly admits that Federal Reserve Notes are not only real money, but how commercial banks NEVER loaned any money to anyone ; it is the borrowers ' signatures which create loans in the first place. Not to mention according to US Constitution, Federal Reserve Notes aka US Dollars are not lawful money. According to Article 1, Section 10 of the US Constitution, the only lawful money is gold or silver coin. Consequently, what happens is that when a bank receives a borrower 's signature, the bank endorses it as a check or money order and then report this as a deposit as a off balance book sheeting accounting transaction, creating a lack of financial transparency. Furthermore, the bank then reports this transaction as a bond with the United States Treasury. The United States Treasury then sends funds for the bond to the bank. In addition, the bank convinces investors to invest into the mortgage as a security by biding it on the Stock Market. The mortgage is then transferred into a " Special Purpose Vehicle '' as a " Collateral Debt Obligation '', which means the bank was paid twice as soon as the mortgage contract was signed ( XXXX by the borrower 's signature and XXXX by the investors ). This is further explained in my memorandum of law, which is attached herein. Furthermore, various correspondence was sent to WELLS FARGO BANK in regards to an inquiry about whether they were an actual lender as well as the demand for the original note. As a result, WELLS FARGO BANK did not respond and I put them into default. These documents will be provided at a later time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I payed my Capital One credit card in full XXXX to avoid interest charges. I used my mothers account because they required payment from a checking account with a routing number and a checking account number. They gave me credit for the payment however they put an 11 day hold on the payment and still have not take in the payment from my mother 's account and have not credited the payment to my card preventing me from using my card. I have called three times. The first time the rep hung up on me. The second time I called they transferred me to the fraud unit and he was unable to help because he could not talk to my bank which I had a rep from my bank on hold to set up a conference call but he refused to talk to her because he said he had to call the XXXX number himself. The third time I called, the Capital One rep called my bank ( supposedly ) and had a bank rep on the line which she would not allow me talk to without interruption. Capital One told me during that call they released the hold on XX/XX/XXXX and requested payment but my bank was not seeing it and there response was see it 's your bank for holding up the payment but it 's done electronically and it shows up immediately even if it takes a couple of days to come out of the account. They have lied on multiple occasions and I believe this is retaliation for paying the account off. Today is XX/XX/XXXX and they still have not done what they said they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
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: To Whom It May Concern, I have learned that you are reporting 4 accounts on my credit report with the following balances : {$12000.00}, {$13000.00}, {$13000.00} & {$0.00} which I have repeatedly asked you to validate that the information being reported is correct. The account status shows charged-off yet a balance is still being reported to the Credit Bureau. This information is inaccurate and therefore does not comply to the FCRA. I have disputed this with you on multiple occasions and requested you provide me with my signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX and the other on XX/XX/XXXX. By not replying my letters, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are being reported accurately. Your non-compliance of federal laws under the FDCPA, FCRA and state laws is unacceptable. I am requesting you resolve my concerns immediately. Failure to do so may require I pursue a small claims action against your company.

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 03/21/2017 about Debt collection (Medical) with Consumer Collection Management. Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the debt that is said I owe from XXXX. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation