milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Credit card () with U.S. BANCORP (WI).
Issue: Credit determination

Complaint: Creditor Elan Financial pulled XXXX separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw XXXX hard credit pull on my account and XXXX hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be XXXX hard credit pulls on my individual account.

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 01-09-2018 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: Old information reappears or never goes away

Complaint: I disputed XXXX XXXX XXXX credit card account shouldnt be reporting in my credit file and it was removed and it reappeared again. Im finally requesting this to be removed from my file as soon as possible or else I would take legal action against equifax as this account should not be reporting in my credit file at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Due to  Navient and their lack of interest in helping consumers I was forced into bankruptcy to get relief while I was unemployed. I am now a public service employee and fulfilled the terms Of my bankruptcy. Navient  sent me loan statements   XXXX   dema nding 2 payme nts due on student loans and private student loans totaling {$1000.00} a month which exceeds my monthly income once you factor in living expenses for myself and my child. They told me I can easily afford the payments and could not lower my payment based on income. I sent in my paperwork to qualify me for loan forgiveness on   XXXX   XXXX  . I mailed it and faxed it to the number and address listed on pa ge 4 section 7 on the six pa ge document provided by  Navient . They have no record of any of it. Then informed me the address and fax number previously provided is not the correct information and gave me a different fax number to send it to. No one can answer why the form provided by them has inaccurate information and could n't tell me who 's number was provided that I sent my social security number into. I spoke with several people today and wastes countless hours and achieved nothing. {$1000.00} is not something that I could afford to pay. I am trying to make good on my deb t w Na vient but they are making it impossible asking for something I can not give.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with Credence Resource Management, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.

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 09-08-2017 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 customer information, putting millions of customers at risk for identity protection. I am listed as a victim according to the www.equifaxsecurity2017.com website, and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Recently, I disputed item XXXX XXXX XXXX XXXX / XXXX on my report from Trans Union . This is an unsubstantiated account for the reason that XXXX XXXX has failed to provide details regarding their compliance with the law. This letter was dated XXXX XXXX, 2015 and received by XXXX XXXX on XXXX XXXX ( copy attached ). XXXX XXXX failed to provide evidence of their compliance of required proper notices and disclosures regarding the deficiency balance claimed. Trans Union was provided this information in my follow up dispute. Despite this, Trans Union continues to verify that the information is accurate. Attempting to figure out how Trans Union was able to do this, I made a request pursuant to FCRA Section 611 ( a ) ( 7 ) requesting that Trans Union describe their methodology in order to determine that XXXX XXXX has complied with the law. The letter to Trans Union was dated XXXX XXXX, 2015 and received by Trans Union on XXXX XXXX, 2015 ( copy attached ). On or about XXXX XXXX, 2015, Trans Union replied to my inquiry, yet completely failed to address the FCRA 611 per my request. I am requesting from Trans Union that they provide me details of their method of verification including the name and address of the organization or individual providing this information as well as evidence that my correspondence was reviewed by Trans Union and in fact forwarded to XXXX XXXX XXXX / XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: The last payment made on this Account was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Promised to completely remove debt collection record if debt was not valid. Did not remove automatically as promised. Cited computer coding error from XXXX. Would not apologize. Said they did nothing wrong. 

Debt was sent to them for collection from XXXX. Called to tell them that it was already paid. They reported to credit bureau before I sent proof. They promised to remove completely if debt had been paid. Checked my credit report said and XXXX bureau had marked as closed and XXXX showed a zero balance. Called today to complain and they blamed XXXX. Would not apologize nor send me a letter that debt had been satisfied. 

If I had not called, it would still appear on my report.

Company response to consumer: Closed
Consumer complaint received 05/19/2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (NV).
Issue: Trouble during payment process

Complaint: I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

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 09-07-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I personally went to CapitalOne Bank XXXX branch to collect the stolen funds by unknown theft XXXX XXXX. The stolen funds in the amount of {$79000.00} plus 20 % interest, {$100.00} late fee/per month, {$150.00} travel expense, 14 hours collection time, pain, suffering NEVER paid for 3 years. Theft XXXX XXXX NEVER went to jail for her theft behavior. However the branch manager XXXX XXXX XXXX began to blaim me as a victim. He stated that " because of your behavior, the bank closed all of your accounts and mailed you a cashier 's check {$9.00} on XXXX XXXX, 2016. You can not access the Capitalone branches anymore. '' I feel I was mistreated that I lost my savings for 3 years and never received anymore payback. However he began to take my advantage to let me leave without paying stolen funds back which belong to me. I was also shocked that what type of behavior I have? He lied. I just followed what the customer service told me to go to branch to collect stolen funds. I have asked him the corporate office phone number however he only gave a customer service phone number. I walked out of branch to filed a complaint to customer service Rep XXXX XXXX. On XXXX XXXX, 2016 I was called by a CapitalOne customer service Rep XXXX # XXXX at XXXX. She said she can contact branch regarding my complaint and stolen funds, but I waited 15 minutes she never had any answer. I am extremely angry about my stolen savings not only I need it to pay my daily living expenses, but also I lost lots of promotional bonus, interest, earning opportunities by other means for 3 years. I have NO choice but to file another complaint to ask my stolen funds to be back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of the addresses listed on my reports has XXXX XXXX XXXX, I have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Credit card protection / Debt protection

Complaint: Received harrassing calls at all hours of the day including nights & weekends. I am not the head of household where my address is listed & I am being informed by her that she no longer wants calls from debt collectors on her landline phone due to me. Specifically Chase company is harrassing her late at night & on weekends after she has already informed them that the number they are calling is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Without any knowledge of my own, Equifax took a laissez faire approach to protecting my confidential information. Due to their inability to follow industry standards in regards to cyber security, my personal information is in the hands of strangers. This behavior is reckless, dangerous, and requires accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 03/23/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Opened a merchant account with Wells Fargo years ago, however, was not expecting the myriad of fees to follow to include a {$10.00} fee for not checking my account online monthly, a {$25.00} fee for non-compliance although I stopped using their service in XX/XX/2016, and a {$35.00} minimum fee whether I process transactions or not. Was recently told that the cost of canceling this account is {$500.00} which I do not have. Their service is also extremely complicated and redundant as I have to log into several seperate sites to maintain my account ; compared to the other third-party service that I currently use which is much less costly and a lot less complicated. My business checking account is currently overdrawn because of the {$25.00} non-compliance fee ( and subsequent NSF charges ) that they recently added, then took away, then added again although I do not use their merchant servvices. I was leaving enough funds in my account to cover the {$20.00} basic ( agreed upon ) merchant services fee, however, they have de-activted my debit card preventing me from making ATM deposits.

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 06/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.

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 11-07-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I obtained a copies of my credit report from the 2 of the major Credit Reporting Agencies ( XXXX and Trans Union ). There were 2 U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the 2nd attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Trans Union to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 08/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.

Company response to consumer: Closed with explanation