milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have a dispute on my credit that I opened with XXXX several years ago and it is paid in full but still shows in dispute status. I need this dispute removed from my credit so that I can get a mortgage loan. It is a medical bill for {$90.00}. The collection was XXXX XXXX XXXX. Please see below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$90.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PAID COLLECTION< Estimated month and year that this item will be removed : XX/XX/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 11/29/2017 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: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2015 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: A capital one 360 checking account was established on XX/XX/XXXX. On XX/XX/XXXXI attempted to link this account with XXXX for fund transfer for investing. I was unable to complete the process getting an error message " Capital one is blocking you from enabling external applications ''. I called capital one and talked with a supervisor and was told the were blocking me because the account was new. This may go away after 15 or 30 days. But he also added it may not.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to provide a XXXX account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from   XXXX   XXXX   XXXX   which i have disputed them so many times with other  debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened  XXXX  on my credit report. i been in Georgia this is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Closing/Cancelling account

Complaint: Comerica Bank - XXXX XXXX XXXX, California issued me a credit card for a limit of up to XXXX without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband still banks there and my name is on his account, but that should not mean they have the right to force me to have a credit card with them. Help!! My cell it XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.

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 04-06-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Consumer Loan (Title loan) with CHECK INTO CASH INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Debt collection (Payday loan) with Elite Financial Services, Inc. (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: repeated calls threatening me and involving my child who is a minor. They will not provide me with complete information. Phone calls are harassing and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Delinquent account

Complaint: I have had a Dillard 's credit card since XXXX of XXXX without XXXX missed payment or late payment. I pay my bill online every month. Dillard 's card services were taken over from XXXX Bank around XXXX XXXX by Wells Fargo. XXXX XXXX XXXX Online Bill Pay did not recognize the new Wells Fargo/ Dillard 's account. In XXXX I started making payments directly through the Dillard 's website to ensure that the payments would get to Wells Fargo correctly because of this transition so I began to pay my bill directly through the Dillard 's website. The afternoon of Friday XXXX XXXX I received a call stating that they could tell I was trying to make a payment but could see it was n't going through. I immediately paid over the phone as to not cause a problem and keep my account in good standing. The very next morning at XXXX I receive a call that my only brother at the age of XXXX died unexpectedly in his sleep.This was a very difficult time for me. Mid XXXX I returned to the Dillard 's website to make my payment, checking the only visible numbers of my bank account number were accurate, which they were, I posted my payment and received a confirmation number. The same thing happened mid XXXX, and I received a confirmation number, again in XXXX, and again in XXXX. It shows a monthly history of payments and confirmations for each month with my last correct XXXX digits of my bank account. I never received notification or a message stating there was any problem with my account and payments. I will attach payment confirmations from XXXX XXXX and can go back further if need be and the confirmations from Dillard 's website from XXXX to XXXX XXXX. On XXXX XXXX XXXX when I went to pay my bill, as I did every single month, my balance was about {$150.00} over my credit limit. This immediately alarmed me because I always pay my bill, I received confirmation numbers so I called to see what was going on. A not so polite woman informed me they have not been getting my payments and the confirmation numbers were worthless. Now Wells Fargo, a banking and credit card giant has closed the account I have had with no problem ever and has not notified me once to inform me the confirmation numbers I was receiving did not matter. This has made a detrimental hit to my credit unfairly because Dillard 's, the company that I loved to shop with, worked through college with, had every intention of paying my debts to, received confirmation that I was paying, switched their credit card company and had a problem with their transition to Wells Fargo.I have never had a problem until now. I also hold another account with Wells Fargo for the last XXXX years that never has had any problemwith payments. In fact, for the last XXXX years I have not had a single late payment to any of my debtors. I want to pay my bills. I hope you can help me remove this terrible stain from my credit report. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: I have a Capital One Credit Card with a limit of {$300.00}. After I lost my job in 2009 it became seriously delinquent. I continued to pay when I could and on a couple of occasions, they made an offer that if I paid the over-limit, they would consider the card current. At some point in time, and continuing after the balance was under the credit limit, they restricted the account. I called and was told that even when the account was paid off, they would not lift the restriction. I made the final payment on XXXX and on XXXX they charged a {$3.00} monthly fee with a XXXX minimum interest. I called and was again told that they would not lift the restriction and that I could keep paying the fee, or close the card. I told them that I felt like I was being blackmailed ( extorted would have been a better word ) because if I close the card it will have a negative impact on my credit rating but I am not willing to pay a " membership '' fee, and interest on said fee, if there was no value in it for me, such as a {$300.00} credit limit. Further, I was recently approved for a secured card with Capital One so I made the suggestion that they secure this one and keep it open. They " looked into it '' while I remained on hold and came back and told me there was nothing they could do about it. It sounds like it would have to be illegal for them to charge a fee and not provide a service, i.e. a credit line. They said they would not close the account but I was not allowed to use it. I find this absurd. My XXXX choices, after a long period of trying to recover my credit score, are a ) close the account myself and jeopardize my credit, or b ) pay {$3.00} per month for NOTHING!!!!! Please help. Also, under the " Have you lost money '' section below, I will either lose the ridiculous non-membership ( extortion ) fee each month, or lose A LOT of money by paying higher interest on the car I will be buying in about 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sent to Equifax : Thank you for offering Trusted ID, since my information was compromised. I am having a few problems and I ca n't seem to get anyone to help me. 

When I log in to Trusted ID Premier, underneath Credit Lock Status, I see that an error has occurred, and I am told to email customer.care. I get no response. 

When I click on my credit report, I see a few items that I have disputed, but no changes have been made. I have made 5 requests - I ca n't log in because of the error, but I call at least once a week. I have mailed and faxed repeatedly, and whenever I call, I am given a different fax number. Some numbers I have been given never answer. I have been put on hold for hours, been hung up on, and been told to fax additional documents, which I have done, but there is still no resolution. 

I paid {$500.00} to get my home appraised, and my refi was declined because I have all of this outstanding debt - which is not my debt. I understand that companies have 30 days to fix errors, but what if the mistake belongs to the credit bureau? I have been trying for months. 

The specific items : XXXX, XXXX - this is not my loan in Texas. It belongs to a person named XXXX XXXX. My mortgage is with XXXX XXXX : XXXX - this is not mine XXXX XXXX - not mine XXXX XXXX : XXXX - not mine - I do n't have a car loan, but my prior loan was with XXXX XXXX XXXX : XXXX - not mine XXXX XXXX XXXX : XXXX - this is not mine If you scroll down to associated addresses, I have lived in the NC locations, and a person, who I have never met ( XXXX XXXX ) lives in Texas. Please remove those Texas addresses. 

My social security is : XXXX XXXX XXXX 's social is : XXXX My birthday is XX/XX/XXXX XXXX XXXX 's birthday is XX/XX/XXXX I have fax confirmations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do n't have receipts from mailing documents as I assumed this would get fixed.

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 EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked for validation, this account does not belong to me.

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