milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They make it impossible to pay back, on time and always add negatives to your credit report. Hold times are ridiculous when calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Privacy

Complaint: I received a TD Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of " opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX reported a hard inquiry on XXXX/XXXX/15 on my Equifax Credit Report. I have no knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Radius Global Solutions LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX XXXX I have been making monthly payments thru Central Credit Services LLC to XXXX but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to XXXX but Central Credit Services LLC collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.

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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously disputed this account with Trans-Union. I have documents to porvce that information reported by XXXX should be removed immediately. 
I have enclosed a letter from XXXX stating this should be 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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.

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 07-04-2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: this number XXXX calls me every two hours up to 4-6 times a day after telling them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX The following account above does not belong to me, and it stopping me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with Perfection Collection (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AZ).
Issue: Fraud or scam

Complaint: Requested wire withdraw at XXXX XXXX - XXXX XXXX, 2017 UTC in the amount of {$900.00} ( - {$25.00} wire transfer banking fee ) from Coinbase, Inc. and have not received the funds. Their online records show the wire " Completed '', however all attempts to contact their support have gone unanswered and I receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with Meridian Financial Services, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.

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 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Closed account because company is taking advantage of me had a  XXXX  balance remaining but bank is showing  XXXX  Statement balance as of  XXXX / XXXX /  XXXX   {$1000.00} Transaction Date, Description, Category, Amount  XXXX / XXXX /  XXXX  , '' RETURNED PAYMENT FEE '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' PAYMENT REVERSAL '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '  XXXX   XXXX   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX   XXXX  '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  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 monetary relief
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed 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 11/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP

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 06/16/2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received an wage garnishment for debt to U.S. Government, I called Windham Professional at ( XXXX ) which is contracted to collect debt by US Department of Education. I requested to enter a payment plan at which time the rep asked me for contact information. This would include mailing address and a active phone, I told the rep that i did not have a active phone and please contact me via mail. The rep told me should could not offer me any assistance because i did not have a active phone number. I ask the rep to please provide me with written terms that stated a person had to have a active phone to receive help or even a payment plan. The rep could not provide me with requested information so she transferred me to a XXXX XXXX which he also collaborated her statement that i could not received any help or payment plan because I do not have an active phone. XXXX XXXX referred me to The Department of Education to received requested information as it pertain to getting help/payment plan qualification. I spoke with operator XXXX ( XXXX ) @ The Department of Education that stated that the information told me was not incorrect. Windham Professional practice discrimination and unfair business practices against me on XX/XX/2016 around XXXX. I am seeking legal counsel because I feel that my rights have been violated by this company and I want to exercise all my resources to expose their practices toward consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,

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 10-12-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15 and without prior warning, Citibank sent me a notice that they had decreased my credit limit explaining that my credit report " shows a delinquent credit obligation, either paid or unpaid, with another creditor ''. ( See letter attached ) Upon investigation I found that XXXX had made a clerical error in reissuing a card to an erroneous address. This was the only late payment reported to XXXX and XXXX immediately took steps to remove the faulty report with credit agencies ( see letter attached ). I have called Citibank to share with them the letter I was sent by XXXX but they have declined to review it. Citi still refuses to reinstate my previous credit limit so I find myself a victim of how the credit bureau oligarchy conspires against individual consumers. A mistake on my credit report, once remedied, should not have irreversible repercussions across other lenders ... let alone a bank i 've used for literally decades without incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: on or about XXXX XXXX XXXX, all XXXX XXXX, XXXX and transunion put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. 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