milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.

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 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Applied Business Services, Inc. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Date Opened : XX/XX/XXXX Account Name : APPLIED BANK Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$350.00} My identity was stolen 14 years ago but till this day they still apply for credit cards, car loans, personal loans, they even stole my mail from my mailbox thats how they were able to get the credit card from my mail then make payments for some time, thats why when you do your investigation everything matches, because they stole my mail, i haven't use my credit for over 10 years because of this identity theft i was XXXX when that happened, i don't even have anything to proof that this is not my account even if payments were maid, because they had bank accounts under my name, more then 10 years I'm trying to clean my credit report. thank you for understating please remove this negative account from my credit report because this doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through bank of america the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.

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 03/19/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 've been trying to check my credit score but every time I try it ends up saying I have incorrect information. So I tried to check my free annual credit report and they kept saying I was n't able to check it because of incorrect information. Also some weird questions popped out saying that in the system it says I have a loan but I 've never tooken out a loan, and there was another XXXX saying I took out a credit card from somewhere in 2010. The weird thing about that is that in 2010 I was only XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have attempted to contact this debt collection agency via the web and by phone XXXX times in the last XXXX days and can never reach a soul ... .. when I try to go online to access the debt acct they say is mine it always redirects and then crashes. Is this even a real debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've applied and was approved for a business loan in XXXX 2016 through Wells Fargo with a promise by the business banker that after 3 months I could get a refinance through Wells Fargo. Several months into the loan, I found out that Wells Fargo wrongly reported to the credit bureaus that my business loan account was delinquent by two months or missing two payment, but the truth was that I had been paying the account on time and in good standing. I later reached out to them to rectify the problem, but it took them nearly six months before they could fix the issue. Throughout that entire six months period, I was unable to secure additional financing for my business, which led to a snowball effect of debt accumulation and missed opportunities for the business. Although the wrong report on the credit profile has been fixed, our company suffered much damage, which led to our inability to pay for our other business credit cards and personal credit cards and a direct impact on both my business and personal credit reports. I have asked for a compensation and submitted evidence of denial of credit, but Wells Fargo Business Direct resolution team refused to budge and even sent us a lawyer letter.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been affected by the equifax security breach. I want to file a consumer finance protection complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Customer service / Customer relations

Complaint: Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again CITI.

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 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Portfolio recovery has been calling since 2014 from many different Phone numbers they are harrassing rude etc they start at XXXX and end after XXXX with many as 15 calls a day They wo n't send a bill so I can make payments they wo n't accept what I can pay they demand I give them access to my checking account to bill me monthly stating this is the only way they will take any payments. No matter what you tell them they say they ca n't work with you unless it 's on their terms of payments These phone calls are almost every single day. I told them to quit calling me since they wo n't accept what i can pay them but they still call every day several times a day from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have paid on these loans for over 10 years now. The amount has only INCREASED and not decreased. I had the department of education tell me as well as a navient manager, both stated these loans have been satisfied. My original loan has been bought out 3 times. PLEASE HELP I have sent in a dispute in XX/XX/XXXX with no avail. I DO NOT want this going against my credit. I have FAITHFULLY paid on the loans with only one year of forbarence in XX/XX/XXXXmy husband lost his job at that time as well as my son was born with a XXXX that is still on going. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ...

- Agreement with your client that grants you the authority to collect on this alleged debt.

- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I took a loan with XXXX XXXX company last year.. I sent them all payments on time to my knowledge.. A couple of months later I received a bill from Penny Mac loans XXXX I called XXXX confused.. They said they took over my loan.. So I started paying them, I had to figure out new contact info and such.. 6 months later, Penny Mac said I was late on a payment because when they bought my loan from XXXX, I had a late payment to them.. They paid for that in order to buy my debt from them, and now I owed them.. Took me about three months to come up with a double mortgage payment.. So I feel like I sent XXXX a check and was unaware that it should have gone to Penny Mac.. This is ruining my credit. Penny Mac wo n't correct it..

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I contacted American Express credit, customer service and fraud. They kept transferring me in a loop back and forth. I sent a letter to American express and still no resolution. 
My husband XXXX XXXX added me as an authorized user over a year ago. Last month I changed my name and they reported that name change as a new account. 
I would like to request assistance in removing this new account from affecting my credit negatively in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.

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 04-12-2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am being asked security questions so that the credit reporting companies can verify my identity and none of the questions pertain to me! For example, XXXX question asked me to verify a prior telephone number, none of the choices were ever my number, XXXX question asks about a mortgage taken out in 2010 and what finance company I used, I did n't take out any mortgages in 2010 so my answer was none, another question asked what XXXX I formerly lived in, I did not live in any of choices given, my answer was none, so they could not verify it was me! I do n't know what to do, can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX ( 2017 ) I have been trying to get accounts removed from my credit report since XXXX of 2017. I have more than 27 accounts that have been placed in a derogatory state. I have been working with all 3 credit bureaus to get these accounts removed. I have been getting push back. Instead of the CB removing the accounts because they are more than seven years old, they changed the status of the accounts to paid as agreed. I need to have these accounts removed due to the fact that I have suffered enough in having poor credit. I 'm trying to ensure that my credit gets repaired but how can I with inaccurate information on my credit report. I have been dealing with this since XXXX of 2017 and now it 's almost XXXX. This ordeal needs to be resolved before the end of this year or sooner. I have XXXX and this is making my symptoms worst. I NEED HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief