milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is   XXXX   XXXX   XXXX   XXXX   XXXX  . I was on my way from  XXXX ,  MS to  purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX     they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the    XXXX   XXXX   XXXX    after they did n't want to speak with me on the phone, and no one returned my call.      XXXX   had tried two atte mpts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX   advising no response and this negative information will be reported fo r three  years for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despite ou r two re quests to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three year s. Should any government agency request our files on this company, your complaint will be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing statement

Complaint: I open an accouny with dillards onXXXXXXXX made a payment on XXXX and they still send me a bill with a late fee. Saying i paid my bill too early. The penalized me for paying early.

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 08-02-2015 about Credit reporting () with ONLINE Information Services, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Online Collections in reference to a letter they sent me stating I must contact them in order to prevent this debt being placed on my credit. I spoke with '' XXXX @ XXXX '' on XX/XX/XXXX,2015 and the following was agreed by XXXX us. In order to prevent this from appearing on my credit I had to set up 4 automatic withdrawal payments in the amount of $ XXXXwith the first payment being withdrawn that day. I gave her my bank information and she immediately withdrew XXXX from my account. She assured me that this now would not be reported on my credit. She set up 3 additional autodraft payments for the remainding balance. I checked my bank statement and confirmed Online Collections had indeed withdrawn the {$110.00} payment required to keep this off of my credit. I did exactly what was agreed upon to insure this would not be reflected on my credit. Today XXXX XXXX XXXX, 2015 ) I see it is on my credit report as of today. What can I do when I kept my part of the agreement and the collection agency lied and did not keep their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Delinquent account

Complaint: This refers to a credit card agreement with Chase ( Visa # XXXX XXXX XXXX XXXX ) on which I defaulted some time in XX/XX/XXXX. Since then, I have not been able to make any payments on that credit card. My account was closed and charged-off in XX/XX/XXXX. In XXXX XXXX, Chase forgave this debt, and issued a XXXX C form confirming cancellation of the debt. The form indicates that my debt was cancelled pursuant to a decision or policy to discontinue its collection. 

Despite cancellation of this debt, Chase continues to report to credit reporting agencies the total amount of indebtedness as still outstanding. My understanding is that if a debt is forgiven, it can no longer still be owed. In fact, when completing income tax return, I was required to report as income the forgiven debt amount. 

In recent weeks, I have made an inquiry with Chase and requested that they correct the content of their report to the credit agencies to include the fact that the debt has been cancelled and is no longer outstanding. I even provided them with a copy of the XXXX XXXX To my confusion, they responded that the total indebtedness is still outstanding

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Want to have this removed from acct. wrong dates XXXX XXXX system XX/XX/2017 : XXXX XXXXXXXX {$3900.00}

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 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is reporting XXXX incorrectly, the account is closed and paid they are reporting the account open with a {$0.00} balance late $ 30 days, I just pulled my updated report from XXXX. XXXX and XXXX is reporting correctly Paid {$0.00} balance pay status current, I have gone back and forth with TransUnion and XXXX this account has been paid since XXXX 2016 and XXXX was still reporting when they should n't have because they turned the account over to XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As of today 's date : Portfolio claims to own this XXXX XXXX account. 

As of today 's date : XXXX XXXX claims to own this XXXX XXXX account. 

The only way to determine which collection agency actually owns this account is with a valid bill of sale from XXXX XXXX stating exactly which agency they sold this account to. 

Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years. 

I have learned the hard way the importance of a valid bill of sale. 

Upon my requests for a VALID BILL OF SALE : XXXX XXXX removed this account from my credit files XXXX XXXX removed this account from my credit files and ... Portfolio Associates unscrupulously provided the credit bureaus with falsified information, a very serious FCRA violation. 

Portfolio intentionally re-aged this account and increased the actual balance owed as an intimidation tactic to force me into paying this account. Initially Portfolio used XXXX XXXX 's name as the collection agency versus their own. 

I state intentionally because, written documents provided to me directly from Portfolio, as well as verbal communications, prove Portfolio has full knowledge of the " true '' account facts : the account open date, date of first delinquency, and account balance. 

On XXXX XXXX, 2015 I was verbally told by a supervisor, who insisted on reminding me that she has been doing her job for 7 years now : " I am sure we have a bill of sale somewhere. '' When I asked for her to please mail me a copy - she simply proceeded with her " collection dialogues. '' Any individual working in the collection industry for " 7 years now '' should know how vital a bill of sale is to proving to a consumer their company is the legitimate owner of any account. 

Upon my request to have the credit bureaus verify this information, Portfolio again provided each with the same deceitful information. 

I have tried to pay the actual balance ( according to Portfolio 's records ) in exchange for the deletion of this account from my credit files. They refused my offer. 

My last XXXX requests, 1. for a valid bill of sale, and 2. to correct the falsely reported information on my credit files, have been met with " we have already investigated this account. '' Portfolio Associates actions are nothing shy of criminal, and the FTC should investigate and hold them accountable. I have no doubt re-aging debts and parking unverifiable debts on a consumers credit report is common practice for Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.

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 10/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I make a {$200.00} XXXX XXXX payment monthly. It is in excess of my required monthly payment. Therefore, I am currently due for XX/XX/XXXX. My employer introduced a new benefit for student loan pay downs. My employer will be sending {$120.00} extra a monthly on my behalf to my servicer, FedLoan Servicing. The payment from my employer through XXXX, sent instructions to apply the payment as principal only. The intention is to pay my loan after faster by applying the payment to principal only - not interest. My payment was applied XX/XX/XXXX. I called XX/XX/XXXX regarding the payments application because it was applied towards interest and principal. I explained that there was a letter accompanying my paperwork explaining it should be applied as PRINCIPAL ONLY. I was told by XXXX XXXX, and XXXX XXXX that it is not possible to make a principal only payment towards your loans and they refused to make it a principal only payment. Both employees stated that FedLoan servicing only applies payments in that manner and they will not apply any payment to principal only, regardless of payment status. Mind you I am due for XX/XX/XXXX - all other loans I have, will allow a principal only payment as long as you are current on your payments. I am making a good faith effort to pay my loans, on time, in addition to paying about {$140.00} extra/month, yet my student loan servicer is making it more difficult for me to get out of debt by refusing to allow people to pay principal only. Creating additional profit at the expense of individuals attempting to rid themselves of debt. I would just like to be able to apply my future {$120.00} payments towards principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (I do not know) with I.C. System, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Hi, I have not received any paperwork of this collection and would like to pay and resolve this immediately. 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 04/13/2015 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights

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 08-06-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease

Complaint: I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several public records listed on my report. There are : Tax lien XXXX, XXXX, XXXX and a judgement for XXXX. The names are not listed on the report and I went to the courthouse and the record is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
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XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
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Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion continues to report inaccurate fraudulent information on my report. XXXX account # XXXX is not my account.

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 08/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

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