milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I wanted to get a credit line for my bank of America cash rewards card. So i called their helpline via the number on the back of my card. 

The customer service rep clearly stated that when I apply online for the credit line increase that it would only be a soft pull. 

I mentioned to him that i did not want to request it if it was going to be a hard pull on my credit. He assured me that it would be a soft pull only. 

I checked my hard inquire report and it shows a hard inquiry on XXXX XXXX, 2017 I would like to have this removed as the representative gave me false information.

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 05/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Privacy

Complaint: My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan you didn't apply for

Complaint: In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned  copy. A 3rd letter went out 30 days later and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.

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 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site 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 explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have applied for car loans within the two-week period through several different companies and several credit checks are showing up as hard credit checks I thought if they were for this same type of credit check light like a truck they are counted as XXXX credit check can you check into this and correct this as soon as possible 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 explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Student loan (Private student loan) with LendKey Technologies, Inc. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Recently refinanced a XXXX loan with XXXX XXXX via the servicer LendKey. Due to the high cost of my student loan payments, I typically work with the loan servicers ( I 've had 2 different servicers prior ) to adjust the due date to the XXXX of each month. This helps me to spread large bills to different paychecks. <P/>I reached out via phone to LendKey in XXXX 2016 to change my automatic payments to the XXXX, and they refused. They accept payments only on the XXXX of each month. This can cause an undue burden on borrowers who rent ( among other examples ) because rent is typically due on the XXXX of the month. <P/>They had no substantive answer other than " The due date is at the discretion of the lender. '' LendKey is the first and only loan servicer I 've seen who refuses to grant this simple ( but impactful ) request.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Upon investigating the potential of my personal information, my identity itself, of being exposed to the recent Equifax breach it was indicated that my information was indeed placed at risk by the breach. I did not feel comfortable signing up for a repair service offered by the very company that allowed the breach to take place and am leery about the terms of agreement regarding this service potential to smuggle agreement of non-action against Equifax. I feel this concern is warranted considering the potential unethical dumping of company stock shortly before the announcement of the breach a full month after the breach actually occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: XXXX 2012 closed a Bank of America checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told " the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Bank of America 's " Executive Complaint? '' called me several times to " resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they " couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error?

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 06-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Portfolio Recovery i s attempting to collect a debt in my State of Michigan which they are not Licensed or bonded to collect such debts. I just got off the phone with the Attorney General 's office which stated to me to take the complaint to an attorney. I also contacted  XXXX  and they stated that they are not in the system as well. This is new information that I just recently found out. This is my last attempt to have them remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hi, I recently this month disputed a debt with   XXXX   and  XXXX .  XXXX  accounts under  XXXX   XXXX .   XXXX   took all  XXXX  off.   XXXX   denied all  XXXX . If I even ever owed this debt reported as owing to  XXXX   XXXX , I dispute that I presently owe the debt. If I ever owed it, then I defaulted upon this debt on  XXXX   XXXX ,  XXXX  and the six-year statute of limitations to commence a collection lawsuit passed on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX . No lawsuit was ever commenced. This debt was erroneously reported on my credit report as a valid and collectible debt having a charge off date of  XXXX   XXXX ,  XXXX . This entry is thus not accurate because the debt would no longer be collectible under local law as it is an out of statute debt ( 10 yea rs ). I requ ire that you remove any and all reference to this debt from my credit report at once and that you recalculate and amend m y credit score wit hout the effect of this debt computed into the calculation.  XXXX  #  XXXX . Thank you!  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I recently received a copy of my Credit report ( XXXX, & XXXX ). The credit report showed several credit inquiry from syncb by your company that I absolutely ( DID NOT AUTHORIZE ). I understand that you shouldnt be allowed to put an inquiry on my report unless authorized to do so. 
I have an alert that when credit is authorized, that I am to be called via phone. I had contacted the company to request an investigation which has yielded no reponse or action initiated. I requested any and all photo identification and signature submitted to the company, yet no response or investigation. I did not apply for credit with this company. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL 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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have many debts on my report that are my uncles that has the same name as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Subject : Claim number appeal  XXXX  To whom it  may co ncern : I am  XXXX   XXXX  POWER OF ATTORNEY and   XXXX   XXXX   advocate.   XXXX   has a valid claim under the fair credit billing act and also due to the fact she rented  a drive w ay for a month see attached lease and those services were not provided and she had to move. She has provided you several times with these facts and proof.  See  attached new warrant against merchant. If you do not properly investigate this matter I will have no choice then to involve CONSUMER FINANCIAL PROTETION  BUREA  as  XXXX   XXXX  paid for  XXXX  rent and did not get the money back as it is illegal to live in  someones drive way  with a recreational vehicle. You are violating her rights as a cardholder under the fair credit billing act.   Govern yourself accordingly, Respectfully,  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 06/23/2015 about Payday loan () with Green Trust Cash, LLC (GA).
Issue: Can't contact lender

Complaint: did n't know that payday loans were prohibited in the state of GA and company did n't make me aware

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

Company response to consumer: Closed with non-monetary relief