milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I was told on XXXX XXXX, 2016 that my checking account at BBVA Compass Bank was being closed due to an unrelated issue and I agreed. I inquired as to the procedure to cancel a direct deposit and was told to contact my employer directly as no further depozits would be accepted into the account ; which I did the same day. Unfortunately the deposit came thru anyway due to insufficient notice time to cancel the deposit and reroute to my new bank. Once the deposit initiated, BBVA allowed the deposit to be placed into the supposedly " closed '' account but still refused me access to any money, although clearly the account had not been closed, now they are telling me that the account has been frozen for three weeks. this is clearly not the case as I have been able to log on BBVA 's online and mobile banking on my phone as well as continue to call into the customer service and access my balance over the phone thru the automated as well as thru speaking with a customer service agent. If the account has been frozen, no entries into or out of thean account would have been allowed and the direct deposit ach would have been rejected back to my employer. My employer even attempted to retrieve the deposit back and was denied stating that the money was not there and I have written confirmation of this. As of today, XXXX XXXX, 2016 I am still being lied to regarding the status of this account as well as being lied to about a check being process - along with being able to view the money in the supposed closed account as an active account would show, my access to transfer or remove the money has been supended. Because this is my paycheck money and only a partial payment ( I only get paid monthly as a XXXX ) and now am being forced to wait until XXXX XXXX, 2016 to receive my next pay deposit ( into the correct bank account with XXXX XXXX ) - this situation is causing me undue financial harm, my bills are going unpaid because BBVA Compass is an unscrupulous bank who has thus far been totally unresponsive, or has told lies/untruths about the whereabouts of my money. I am asking that a formalcomplaint be opened against BBVA Compass Bank asap. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Deutsche Bank (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had a Deutsche Bank Credit Card No. XXXX way back in XXXX in XXXX, the limit was Rs.XXXX ( XXXX XXXX Rupee  ), I went back to XXXX after 9 years and came to know that Deutsche Bank converted into XXXX XXXX  in XXXX and now XXXX XXXX has made my total credit card bill Rs.XXXX. All the transactions are fraudulent and I also spoke with XXXX XXXX regarding this, he is just making excuses, I also offered him to file a police report, he said no to it. 

I want XXXX XXXX to waive all my Balance and also clear my credit report known as XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.

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 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.

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 09-04-2015 about Debt collection (I do not know) with CFG FINANCIAL SOLUTIONS INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was contacted four times in one hour today by this company who stated they were calling about a " civil matter ' against me without identifying who I was.

Company response to consumer: Untimely response
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong 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 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX ss # XXXX dob XXXX Inaccurate Reporting of XXXX XXXX in bankruptcy on my report A XXXX bankruptcy must be listed accurately in my credit report. 

the Dates and court numbers the high balance and the payments are incorrect I demand you show me the following Method of Verification : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the 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 explanation
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was in collections with " XXXX '' and XXXX for some time but since then I have paid it in full, Transunion still says it is in an open status. It 's not

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a Citigroup XXXX XXXX Credit Card since XXXX and requested that the credit limit be reduced to {$500.00} sometime in XXXX or XXXX. On two occasions Citigroup has increased my credit limit without my express consent. The first time it happened, I complained and Citigroup explained that they would not increase the credit limit without my requesting it ; however, they have done it a second time.

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 11/23/2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company from American Express has been calling me on my cell and my home phone number repeatedly every day to collect a payment. I do not have money I recently lost my husband and I have just enough money to live by and pay whatever medical bills I have. I live paycheck to paycheck and I ca n't afford the money they want they keep on requesting a big amount. To make it worse they outsource to XXXX and you always have a XXXX talking to you and you ca n't understand them half the time. This gentleman made me very upset and down. Please help me to stop calling me or get a American talk to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/29/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Yes, I agreed with Wells Fargo XXXX XXXX to catch up on payments 30 days late since I was laid off work. I was making payment based off that agreement and they without notice repo my car. I try to negotiate with Wells Fargo, if I would pay off the loan amount off the next day from the repo that they would not place a repo notice on my credit they said yes. What happen next was that they place a repo notice on my credit. 

I have disputed on my credit report but nothing has happen. Wells Fargo is dirty institution does not help customer they ripped them off. With all these headlines and news that are coming out against them. 

Hopefully, with these dispute we can get to a resolution.

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 02-01-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Was given a deferment to avoid default and one of the XXXX loans was sent to Poineer credit recovery defaulted after being told everything was fine. Now I am being charged 2 % per day in interest equaling 936 % per year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX  accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car. 
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.

In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never authorized PayPal to open and then close a account. This has caused my score to drop by 50. Please correct

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. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was doing a rate check to refinance. The agent that I spoke with informed that the call was being recorded for improvement of their staffs or as arecord. the agents I spoke with agreed not to run my credit. Lately, I learned via XXXX XXXX these the following entity/ies made a hard search on my credit. It has been over XXXX days since I made a former complaint to thebanks and credit reporting agencies for corrections including their 3rd partysearch agents. 
I 'm asking that you kindly use the services of your good office to help meresolve this matter. My home is up for foreclosure I need my score fix torefinance. The entity are as follows:1 ) Citibank Retail via Citibank NA ( XXXX ) 2 ) Citi Financial XXXX DEF via CitiFinancial Mortgage ( XXXX ) Note : Citibank put a foreclosure on my property. they refused to " modify '' my loan, yet they have XXXX hard credit search without my knowledge orconsent that make it impossible among others to refinance as I 'm strugglingto refinance before their sale date. 
The others are:3 ) XXXX via XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX via XXXX XXXX ( XXXX ) Note : I wrote the these banks and informed them - " Your credit inquiry is damaging my credit rating. I did not ask for or approved a credit check at no time. Provide full documentation regarding the circumstances surrounding your review of my XXXX XXXX credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act '', but to no avail. 
The inquiry was placed on my consumer file on this date:XX/XX/2014. 
I noted, " If you can not provide such documentation, you are obligated to remove the offending inquiry at once. '' Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: no contract, I send a letter certified letter to verify the debt on XX/XX/2017 and never response to the letter. I did advise in my letter if cant verify, please remove off my credit and it was never removed.

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 04-01-2016 about Debt collection (Medical) with CB1, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My mortgage company XXXX is re-aging my debt to extend the length of time it impacts my credit. Our last pay date was in XXXX XXXX and we have been in foreclosure litigation since XXXX XXXX. XXXX is reporting our last pay date as XXXX XXXX and it is keeping us from qualifying to rent a home. I disputed this information with EQUIFAX and they re-affirmed this as correct despite our complaint. We want both the agency to be fined and the mortgage company. I HAVE NOT PAID NOR HAVE I PROMISED TO PAY the mortgage company since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a credit card with Chase Bank. My payment was past due by about two weeks. In the two weeks that my payment was considered past due, Chase Bank called me a minimum of two times per day, everyday. In addition to calling me excessively, they called my father, without my knowledge or consent, a minimum of two times per day as well. After a few days of excessive phone calls, my father answered their call. The representative of Chase Bank then told my father, without my knowledge or consent, that I had a credit card with them, they then told him the exact balance of the credit card, the amount of time that the payment was past due, the minimum payment that I owed to them and when my next payment was due. In addition to telling my father this information, without my knowledge or consent, the Chase Bank representative then allowed my father to authorize and schedule a payment from a bank account that I had previously used to make a payment on my Chase credit card. The representative allowed my father to choose the amount that would be taken from MY checking account and used to pay Chase Bank, all without my consent or even knowledge. Because I did not know that Chase Bank had contacted my father, shared my information and allowed my father to authorize a payment from my personal checking account on my behalf, I did not have the funds to cover the payment in my checking account, thus over drafting the account. Chase Bank had no right to contact my father, let alone share my personal information with him, or allow him to authorize Chase Bank to withdraw money from my personal checking account.

Company response to consumer: Closed with explanation