milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance Cap One Inquiry from XXXX XXXX, XXXX Bank Cap One Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  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 11/23/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Leased a XXXX from XXXX, financed by US Bank. 
1. was not told to bring charge cable to inspection and was charged for it - have letters sent from dealership to show it was returned 2. was not given access to inspection prior to turning in the lease, completed by Autovin 3. XXXX repeatedly sent late information from US Bank, making it impossible to do what they asked XXXX for lease return ) 4. was never sent information on lease return and normal/excessive wear and tear until 7 weeks after turning in vehicle 5. inspection and " excess wear and tear '' from their contracted inspector, Autovin, contradicts the documents they sent me 7 weeks after returning the vehicle 6. involved my insurance company whose photos and reports show normal wear and tear and not excessive as was claimed by XXXX. called US Bank on XX/XX/XXXX and asked about XXXX dispute process '' outlined in their invoice - they sent the initial report and the " excess wear and tear brochure '' that they said I should have received 3 months prior to turning in vehicle, but outlined no process and provided me with no options

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 02/28/2017 about Debt collection (Payday loan) with CASH AMERICA INTERNATIONAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.

Company response to consumer: Closed
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: i had an credit card account with chase bank, a ink business card. The account was open for about a year ( opened about XX/XX/XXXX ) i used it for business making purchases and paying them in time the account was in perfect standing never a late or returned payment never sold the point or did anything that was against there term and conditions and then on around XXXX XXXX  2018 i logged on to my account and i saw that they have closed my account i called up and was told they have decided to close my account based on a back office decision all my requests for them to reveal the reason were not returned

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Deposits and withdrawals

Complaint: every time I make a payment to my credit card there is a several day lag before this debit shows up in my usbank account. the money has been sent to my credit card and is posted- usbank does not even show this as a pending charge for days! it is an obvious ploy to get people to overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.

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 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I got contacted by unsolicited telemarketing phone call by several companies selling me online business opportunity. XXXX XXXX XXXX was one of them they called me on XX/XX/XXXX they  were very persuasive and they told me they were part of XXXX XXXX a company that I was working with at the time. They charged me a total of {$8400.00} and they told me they were going to get traffic on my website, funnel page, Search Engine submissions, Directory Submissions, Infographic Design. So far I did not receive their services as promised. They charged my XXXX card {$3000.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX and another {$1900.00} on XX/XX/XXXX. Also another company that I want to bring your attention is XXXX XXXX. XXXX XXXX had so many people calling me, they took advantage of me not knowing about the internet business so I paid XXXX XXXX also {$6800.00}, which {$3300.00} were on my Chase card. They were supposed to provide services for my website advertisement. I got no results also, they did not provide me with the services as promised. So I would like you to help me open a claim on those charges with my Chase card please. I thank you in advance your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (CA).
Issue: Taking out the loan or lease

Complaint: I went to XXXX XXXX XXXX XXXX in XXXX, CA to look at vehicles with the intention of financing through my credit union. It has been my understanding that per the terms of the Patriot Act, auto dealers can require a credit check before test driving a car while it allows them to give someone a rough idea of possible financing options without submitting a formal application for a loan. However, XXXX XXXX went beyond a basic credit check and giving me a rough estimate of what they could offer and applied for a legitimate loan on my behalf without my consent or knowledge merely to try and push a financing sale. They also did not provide copies of such paperwork per the requirements of California Law. I received a letter from Bank of the West days later saying that I had been denied a loan for an amount I also did not know about. Despite the fact Bank of the West is treating this as a legitimate loan application, they refuse to comply with their obligations as creditors to also providing copies of such loan as required in the State of California. This is a case of identity theft perpetrated by 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 07-10-2017 about Debt collection (Auto debt) with Knight Adjustment Bureau (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 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: Personal information incorrect

Complaint: I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been dealing with this company ( AMCA ) since XXXX when I had a medical bill that fell into collections due to the fact that I moved and never received the bill. I set up a payment plan with the collector and paid off my balance and I even received a case number stating that it was paid in XXXX. I recently discovered a derogatory mark on my credit from them so I called to find out why and apparently they have no record of my automatic payments that were set up or that I paid in full, theyre stating I had bounced checks, Ive never written them any checks what-so-ever, I have asked for verification and validation of my payments multiple times and never received anything from them. I printed out proof of my payments via bank statements and they still have not removed my balance and also have not removed it from my credit report. I do n't know what to do to take care of this situation, theyre extremely unorganized I receive different information every time I call them and they never have a clue what is going on. I can provide you with my bank statements via fax as well to show that this has been paid, however I am unable to attach them to this complaint because they are not saved to my computer,. I just want to solve this matter as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a credit alert service with XXXX. I received an alert today indicating that a credit inquiry was made by Experian on behalf of XXXX on XXXX/XXXX/2016. There should be no reason for this credit inquiry and may indicate fraud. ( Our tax returns were fraudulently submitted last year. ) See attached jpeg. Your help would be appreciated.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have just finished my XXXX degree and according to the US Department of Educafip. Exit loan interview, a six month deferment should be granted. NAVIENT is not following the guidsXXXX establish by the USDOE and had my first payments due XX/XX/XXXX. They sent me no documentation and I found out about having to pay when they called me stating I was past due. I have attached a screen shot showing my next payment due is XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for a XXXX credit card. According to XXXX XXXX the date was XXXX/XXXX/XXXX. I knew that I had paid the credit card off, but the Credit Bureaus had it listed on my Credit Report as not paid for over six years. I continually requested that debt be investigated and validated. The Credit Bureaus would confirm the date was legitimate and would post a new date in alliance with the request for validation. On XXXX/XXXX/XXXX after writing the Bank directly to ask for validation, it was discovered that no balance was owed at all. The bank stated that it would address the issue to the credit bureaus and to allow 45 days for a resolve. The bank apologized for it 's six year error but that apology will not put all the money I had to paid in higher insurance, mortgage fee 's, denial of credit, reviews of my credit report, the embarrassment and damage I have suffered because of both the Bank and the Credit Bureau. I ask the Credit Bureau over and over again to remove the information and I know that it was done on purpose all these years to keep me paying higher prices for loans. I want the Credit Bureaus and the Bank to pay me back for defamation of character, giving false information to numerous of business, and blocking me from receiving a housing loan. I want an Lawyer that will fight on my behalf for a change. If there are any that you could recommend, I would appreciate it.

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 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan modification,collection,foreclosure

Complaint: We had a short sale in XXXX, it was paid and closed XXXX ... Well since then Nationstar has reported it FORECLOSURE paid, and reported a 120 day late payment in XXXX and another one this year XXXX!!! This account has been closed and paid since XXXX and they are affecting my new VA loan right now because they are reporting seriously inaccurate information. They are in violation of the FCRA. I have disputed it and they have not fixed it and they continue to do new updates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (WI).
Issue: Deposits and withdrawals

Complaint: I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.

Company response to consumer: Closed with explanation