milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (IN).
Issue: Problems when you are unable to pay

Complaint: Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.

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 explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. 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 04-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and according their website XXXX, I am a victim of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 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: They completely ignored my concerns.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: This items below are inaccurate, because I never made a late payment with the below creditors. I requested that Experian, and all of the below creditors to verify the accounts as per FCRA 15 U.S. Code 1681i, or remove the unverified account history. As of the date of this submission Experian and the below creditors, has not provided physical verification of the alleged late payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the negatively impacting late payment history be removed or provide " physical verification '' of actual late payments.
1. XXXX XXXX XXXX-XXXX 2. XXXX XXXX XXXX-XXXX 3. XXXX XXXX XXXX-XXXX 4. XXXX XXXX XXXX-XXXX 5. XXXX XXXX XXXX-XXXX 6. XXXX XXXX XXXX-XXXX 7. XXXX XXXX XXXX-XXXX 8. XXXX XXXX XXXX-XXXX 9. XXXX 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 non-monetary relief
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Company : Navy Federal Credit Union ( NFCU ) At the time we applied for XXXX XXXX XXXX XXXX card, appx. XX/XX/XXXX, we were eligible for a promotional balance transfer rate of 0 % for 12 months. When we received the card, appx. XX/XX/XXXX, we called to inquire about how to take advantage of the offer and were told to initiate the balance transfers online through our NFCU account and the promotional rate would be automatically applied. We were never told that the promotional rate was nearing expiration and were never notified the promo rate had expired when the balance transfers, in the amounts of {$12000.00} and {$10000.00} ( total {$23000.00} XXXX posted to the account appx XX/XX/XXXX. 
We did not discover until just a few days ago when I went online to schedule a payment, appx. XX/XX/XXXX that the promotional rate was never applied. I only noticed this when the balance seemed higher than it should have been. It took me several minutes to navigate their online system to find my statement, but when I did locate it, I saw there was no promo rate. When we called to inquire, we were told we had to submit a formal request/grievance for an exception, which after indicating it " probably wo n't be a problem to fix it, '' we were notified today, XX/XX/XXXX was denied. Their reasoning was 60 days have passed since our balance transfer was initiated so they were not honoring their offer. 
We feel this is unacceptable. We were not notified at the time we called to ask about how to take advantage of this offer that the offer had expired or was nearing expiration and thus followed the instructions we were given by NFCU staff. We were also told at the time we spoke to a representative that if we had any issues with the promo rate not applying automatically, to call and it would " be taken care of, '' which we did immediately. Then, after we were told it " probably wo n't be a problem to fix it, '' they denied our very reasonable request. 
We feel we have been essentially duped into paying HUNDREDS OF DOLLARS in interest and I have notified NFCU that I am submitting a formal complaint with the consumer financial protection bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion suddenly added XXXX ancient derogatories to my credit report -- XXXX! With XXXX update. Prior to that, TransUnion showed I had XXXX derogatories. And all of these " new '' derogatories are years old -- not new, there are multiple repeats, AND they 're items that had already dropped off my credit report ( they 're just under the name of new collection agencies ). It makes it hopeless. I have 0 % debt today, I am 100 percent on-time with my bill paying and only had medical debts to begin with, and that because I was hit by a driver with horrible insurance and spent the last 7 years having XXXX after XXXX I had to pay for out of pocket. Before that I had a high credit score, owned my own house. There is no American Dream -- or hope of avoiding today 's monstrously greedy landlords when we 're trapped and unable to buy a home and control our monthly housing costs because of these horribly inaccurate bureaus that everyone gives such power -- even though everyone knows how wrong their information is. A banker told me that it wo n't be long before they 're abandoned by mortgage lenders, etc. who know a credit score today is pretty much useless in determining someone 's credit worthiness but the computer program makes them enter the number. For now. But in the meantime, their carelessness damns anyone who falls victim to an unlucky event as much as any debtor 's prison did. There is no way out.

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 09-10-2015 about Debt collection (I do not know) with STERLING JEWELERS, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 10-12-2017 about Debt collection (Private student loan debt) with Merchants' Credit Guide Company (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (NM).
Issue: Account opening, closing, or management

Complaint: Morgan Stanley mis-reported our XXXX XXXX contributions to the XXXX, incorrectly completing XXXX forms XXXX ; causing the XXXX to review our tax return and assess a liability not actually owed to them. We discussed this with XXXX, and they said they just needed the amended XXXX 's accurately reporting the deposits and applicable tax years from Morgan Stanley, then would retract the liability and close the file. Morgan Stanley has consistently refused for months and months now to revise the forms. Eventually XXXX withheld funds from our XXXX tax refund to satisfy the improperly assessed liability. So Morgan Stanley has cost us {$10000.00}! And not to mention continuing frustration, time, energy, and more money in dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: First mortgage with XXXX is current. 
BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. 
Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. 

I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. 
It was never our intention to loose our home. We love living here. 

XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida 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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OPTIMUM OUTCOMES, 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: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  XXXX  I disputed the following charges on my credit report with   XXXX   XXXX   and   XXXX   i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and the al l (   XXXX  ) CB could not show me a verified contract and the balances still remain on my report  XXXX   XXXX   XXXX  - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00} Credit Bureau  XXXX   XXXX  Acct  XXXX  - reported bal {$260.00} Optimum  Outcomes Inc.   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX    XXXX   XXXX   XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with PNC Bank N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX College, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, MS . 
Report # XXXX Please remove false information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible  service and continued interest accumulation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX

Company response to consumer: Closed with explanation