milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed this a number of times, directly with the debt collector and Transunion. I can not get even a basic statement of my account prior to the sale to   XXXX   XXXX   XXXX   from the original lender, nevermind any of the other things requested.
The dispute is with   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), via   XXXX   XXXX  , and Transunion. The latest dispute with Transunion was dispute   XXXX    opened via   XXXX   XXXX   on  XX/XX/XXXX and disputed again on the XX/XX/XXXX . The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that   XXXX   is attempting to recover is not correct. I specifically requested proof of the transactions from   XXXX    including the amounts that constitute this debt and the interest that was charged. No proof was provided by  XXXX  ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that   XXXX   asserts these transactions occurred, and when any payments were made. No proof was provided by  XXXX .
c ) I specifically requested proof of ownership of the debt from   XXXX   and that they were the final holder of this debt. No proof was provided by  XXXX .
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by  XXXX .
e )   XXXX   themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.

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 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: For over 10 years, I have had a credit card under the name Teamster Privilege Credit card. This card has been managed for at least five years by Capital One. In XX/XX/XXXX, I received notice of some changes surrounding the use of the card in  regards to credit terms etc. When I attempted to make my payment as usual through the website, I received a message that I would need to re-register. This is a first as I have been making online payments without issue for years. After several unsuccessful attempts to complete the online registration, I called customer service to inquire. I was advised that due to my account being closed ( It has been closed for some time without issue ), I would not be able to register and that I have one of several cumbersome choices in regards to making my payment. I can ( 1 ) write a check, ( 2 ) get a money order, or ( 3 ) call customer service each and every month to make my payment over the phone. Essentially, I no longer have the option to view and pay my balance on line. Is it even legally compliant that I do n't have access to view and manage my account electronically? I spoke to several different people during the course of one day, including a supervisor, who confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.

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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX I opened a account and put a cruise on the account but I never got my credit card in the mail. I found out it went to the wrong address it went to a XXXX XXXX does not even have my right phone number or my right email these charges are not mine.

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 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 've been fighting with Experian for a few months now. I bought a car back in XXXX - I was able to have my credit report pulled just fine then, but after getting the car I started having issues. I applied for a mortgage shortly after and the bank was n't able to pull my Experian credit report, but they were able to pull my wife 's report just fine. I called Experian and they were certain it was on the bank 's end ( even though they pulled my wife 's report ), because everything was fine on my account from what they could see. They confirmed I have no blocks or freezes in place. The house sold before we could make an offer due to Experian not helping find a solution to the issue. A couple of months later we tried again with a different house and had the same results - this time with a completely different lender. I called Experian back and got the same story - they did n't see any issues on their end and I had no blocks/freezes in place. I even spoke with someone in special handling this time. They could see my report just fine and said nothing was blocking it on their end - it must be the bank. Again, this was a different bank and they could also pull my wife 's experian report. Also, the lender 's were able to pull my XXXX and XXXX reports just fine. 

I subscribe to XXXX monitoring alerts and have n't received any changes/alerts from Experian since XXXX/XXXX/16 ( when i purchased my new car ). I should have received at least a few from new credit cards, new student loans, and credit inquiries. I have been unable to view my report online through the adverse action portal or through the online dispute portal with Experian also. I enter my information correctly and get an error screen that I have to fill out a form and mail in my information since they were n't able to find me in the system. I also tried to purchase my FICO score through XXXX - they were able to pull my XXXX and XXXX scores, but could n't return a result for Experian. Nobody can pull my report, including myself. 

I called one more time just a couple of weeks ago and again, they told me no issues on their end. There was a temporary fraud alert on my account, and I had them remove it ( hoping this would cure the issue ). 
I waited a couple of weeks after the fraud alert was removed and I applied for a XXXX XXXX credit card. I was declined due to not being able to access my Experian report. They pulled XXXX and XXXX without issue, but use all three when making their decision. 

I 'm out of ideas and they refuse to help. Something is OBVIOUSLY wrong with my account/file on their end and it is preventing anyone from pulling my report/score .... this is preventing me from getting a mortgage or any line of credit that uses Experian in their decisions. Can you guys please 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 non-monetary relief
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is reporting a late payment on XXXX credit card. That entire payment was for fraudulent activity, which was removed from my account by XXXX. Should not be reported as late, not my activity.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problems when you are unable to pay

Complaint: . I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, 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 09-02-2016 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I did not have a social security number in 2012, and could not possibly be involved in any credit/debt related issue.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Applied for a credit card with Bank of America on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from XXXX that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my XXXX  report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or Bank of America had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID 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 12/16/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once m, not twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A charge appeared on my Statement ending  X/X/17    for {$65.00} dated  X/XX/17    from  XXXX . I did not make this charge.  XXXX  is not my cellular carrier and I have had the same mobile carrier (  XXXX   XXXX   XXXX  ) for 2 years. I did not buy anything or use any service from  XXXX .     I filed a dispute for the charge upon receiving my statement, which  Capital One a cknowledged. They removed the charge from my bill, and then  two  months later added it back. Capital One did not supply evidence of the validity of the charge nor did they even bother to ask  XXXX  to verify or substantiate the charge. They simply added it back to my statement. I should note that this is the 3rd time in 5 years tha t Capital One  has violated the FCRA in failing to research a disputed/fraudulent charge on my card.     I have continued to pay my bill in full minus {$65.00}, however now  Capital One i s charging me interest on the unpaid portion which derives from the {$65.00} charge they added back.     I wrote  Capital One  a letter again reiterating that I did not make this charge and if they insist it is mine, simply provide proof from  XXXX . They acknowledged my letter but 2 months have passed and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I have a IRA through my past employer that is managed by wells fargo. I attempted to have wells fargo send a rollover check to XXXX - as I wanted to switch investment companies. Wells fargo claim they issued a check at the end of XXXX, 2016. After over a month and the check was never received by my financial advisor, I called wells fargo and they stated that their system showed the check was sent, but not cashed. So, wells fargo stopped the first check and reissued a second check. After another month of not receiving this check, my financial adviser and I got on the phone with wells fargo on a conference call. they stated that they would stop the second check and reissue another. My adviser suggested wells fargo overnight the check so we can track it this time. My adviser asked wells fargo to cover the cost of overnighting it. Wells fargo declined and stated they could not cover the overnight fee. I asked the lady for a supervisor and I was sent to XXXX. I asked XXXX for her name and she would not give me her last name, but gave me an employee reference number of XXXX. I asked XXXX what her supervisor 's name and reference number was and she refused to supply me with this information. I asked XXXX to provide me with her location so I could hold her accountable as XXXX at a Certain location. She shared she was at XXXX of many XXXX, MN locations, but could not tell me where she was located. I asked her if I did not get the check in the mail for the third time what the process would be at that time and she stated she would deal with it when it happens. I asked what he policy was in this situation and she said she did not know and would have to research it. I am very frustrated as my money has been out of the market for a couple months and I can not get it from wells fargo. I want my money and I want Wells Fargo to tell me what they will do about it. I normally would not do anything further, but given the resent headlines about wells fargo, I figured I might not be the only one who has had trouble getting my money from them out of my retirement account. So I figured I would report it here. The first check number that was supposed to have been sent was XXXX and was sent on XXXX/XXXX/16 and the second one that was issued was on XXXX/XXXX/16 check number XXXX. I still do not have my money and my account through wells fargo went from of {$15000.00} to {$0.00}.

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 Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hello, I received a call from XXXX XXXX XXXX XXXX XXXX at approx. XXXX XXXX on XX/XX/2017. This call was from a representative of XXXX XXXX credit cards collections department. The call resulted from my account being 115 days past due. I ask the representative what would happen if my account was more than 120 days past due and the rep stated the account would be charged off, negatively effecting my credit. I explained to the rep that I was experiencing a financial hardship and the difficulty involved in me being able to make a payment. The rep restated that their policy was to consider the account for charge off after 120 days showing complete disregard to his companies actual policies which can allow an account to be delinquent for up to 180 days before being considered for charge off. A simple notation on my account stating my intentions of paying should have been enough to delay any actions. After double checking his companies policies, the representative stated that he had been incorrect in his prior answer and stated a charge off of the account would occur within 150 days instead of 120.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.

Company response to consumer: Closed with explanation