milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 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: I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.

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 04-04-2018 about Debt collection (I do not know) with Allied Recovery Solutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am a client of  Capital 1, w here are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My  credit score  has only gone up  XXXX  point with  XXXX   XXXX . Can someone explain to me why I have  XXXX  account s Capital 1 a nd   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016

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 09/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PNC Bank N.A. (KY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: With my PNC Virtual Wallet account, for some reason my Reoccurring monthly payment on the XXXX of the month to my car loan with PNC did not happen. I had no idea why. I talked on the phone to PNC today after my husband notified me that there was something that popped up on XXXX XXXX. PNC Virtual Wallet costumer service said they did n't know the problem but would transfer me to the car loan department. I paid what was owed with the money that was in the account waiting to be transferred. However, that does n't fix the problem that I never manually decided to not do an XX/XX/XXXXpayment, and then I fell behind. While PNC Virtual Wallet has my correct number, and the car loan from PNC had my number, they were calling an old invalid number to the account to make us aware. Which is also something that I told the car loan department through PNC before to only call my number, when in fact they did n't call my number.
You will see in the documents that my XX/XX/XXXXcalendar from virtual wallet was missing the XXXX reoccurring payment. However, XX/XX/XXXX was n't missing. You will also see where I went ahead and paid current when noticing the problem today over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I have had a very difficult time with CHASE. I have applied for a modification 2 times and have been denied. The process with CHASE has been very confusing and dysfunctional. I always had to speak to different representatives, and never got the same answer. Now after 6 months of trying to save my home with a modification we have been given a sale date of XXXX/XXXX/XXXX. I feel like CHASE has a slow system and now has slipped in a sale date at the last minute.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: Chase closed all my personal accounts without reason - I am a business and American citizen - haver no overdrafts and use Chase for both personal and business accounts. They are closing the personal but keeping the business open? This is unfair and I feel it is discriminatory since I married a man who is an XXXX citizen and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Bank Of America released {$11.00} that I did not charge to XXXX XXXX XXXX. I have yet to be refunded by Bank of America Bank of America denied me before the Customer Dispute Form Came. 

XXXX XXXX, 2017 the came the Dispute form came 2 days after I have uploaded proof of the letters Its nothing but a rip off by Bank of America and 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 08/14/2017 about Debt collection (Medical debt) with NRA Group, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XXXX XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a XXXX XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX XXXX XXXX XXXX for a visit on XXXX/XXXX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XXXX XXXX ) discovered that the same charge appeared back on the XXXX and XXXX  reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in 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 non-monetary relief
Consumer complaint received 03/15/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KS).
Issue: Account opening, closing, or management

Complaint: USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Honestly Im not sure what this medical bill is for & why it would be this high..I have not had insurance in years & when I do go to the er its because I have no choice..Ive gone thru a divorce & mich worse than  that which I will not go into detail ... Im trying so hard to pay my bills & fix my credit being I cant even rent a place because of mostly medical bills effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Total Debt Assistance Group (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a victim of a student loan assistance program called Total Debt Assistance Group. They got all of my information, I signed a contract, and they charged me {$600.00}. I did n't know they were illegal until after I finished all the paperwork and gave them my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have been disputing XXXX educational loans and a collection from us department of education to bureaus, but experian is not helpful at all, i have been disputing this items for two years now and they have not been resolved, please i need your help to remove these items from my records, documents will be attached. along with the dispute letter. 
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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (NV).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. 
Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. 
I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. 
I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. 
How is it possible for them do that? 
I have only had the car for not even 2 months? and No communication? 
after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. 
I have also filed for Bankruptcy which i was planing to keep the vehicle.

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 02-08-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello - I went through a divorce over the summer and changed my name back to my maiden name. I have that change noted in my divorce papers which have the official county seal. I have also used these papers to update my name with social security and the XXXX. Transunion will not update my name with this information. They tell me if I got married they would have no problem updating my name, but since it was a divorce, they can not update my name even with copies of my divorce papers, social security card and my drivers license all stating what my legal name is. I can not move forward with banking items because my legal name is n't matching my primary name on my credit report. I think it is discrimination that they will update a name easily if you get married, but refuse to update to your legal name if you get divorced. Can we work to change their processes so that myself and others can move forward with their lives? I understand the process of proving information and appreciate that, but once a person does this, it should n't be so hard to update your credit report. I have seen on many message boards online that this is a huge issue with woman and transgender people. Something this simple should n't be so hard to fix. 
Thank you and I look forward to your 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 non-monetary relief
Consumer complaint received 10-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF THE WEST (CA).
Issue: Struggling to pay mortgage

Complaint: I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.

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