milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am being contacted by a company called Navient that has refused to validate the debt but is pursuing collections. I do not recognize the debt. I have sent two letters for validation and each time Navient has refused, stating I am not the legal party. I have included all legal information required for validation including name and supposed account number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I submi
tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX  since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage.
What is the CFPB going to do about this???
Is the CFPB really trying to help 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 07/13/2016 about Debt collection (Mortgage) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason XXXX and Experian only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.

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 08-08-2015 about Credit card () with JPMORGAN CHASE & CO. ().
Issue: Billing disputes

Complaint: i have nothing to do with this accont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide Recovery Services - XXXX XXXX XXXX The account was paid by medical insurance XXXX XXXX in conjunction with XXXX. I never received any type of bill and the insurance coverage that I had at the time covered all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Central Business Funding (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from XXXX XXXX. He said I owe a debt to Central Business Funding in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XX/XX/18 as well as XXXX  and Transunion and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've pulled my credit report and found incorrect collections other collections have been paid and disputed. I 've also lowered my credit obligations significantly in the last few months with little or no increase in my overall credit score, I 've paid my credit card down to less than XXXX % utilization and paid another account to XXXX % utilization which is a furniture account I 've paid all outstanding collections to XXXX yet my score remains at XXXX I believe a perfect score is XXXX I have XXXX collections I paid so we 're saying I 'm losing XXXX points because of them.. Really!!! I 'm having issues with calling to customer service because they do n't seem to understand what I 'm saying because there in the XXXX and I do n't feel I 'm getting my point across with issues like reporting the same debt on XXXX different accounts ..I getting frustrated dealing with them as I rely on them for accuracy when I 'm finding errors and them dragging their feet in correcting them

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcies and tax liens & judgment that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at IdentityTheft.gov and had several 90-day holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my Transunion profile and the XXXX XXXX card shows as a hard inquiry under my XXXX profile. As an asideXXXX XXXX shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.

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 01-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Billing statement

Complaint: Bank of America 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by BOA as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Bank of America and was able to get the finance charges rescinded, but I have a significant concern that Bank of America is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that BOA would change the drafting nor any explanation for the deceptiveness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Service is attempting to collect a debt from me of XXXX and XXXX and I never establish a contract with this company. And they are reporting negative items on both my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: transworld has been giving me the run around and delaying on giving me the other deletion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with Perfection Collection (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, 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 05/15/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home loan that was modified and later foreclosed on. Green Tree later bought that company and continues to report the debt to the credit bureaus despite the fact it has been more than 7 years since the account first went delinquent. In addition the amount they are claiming I owe is significantly higher than what I owed at the time. $ XXXX versus $ XXXX. Each time I speak with Green Tree they are unprofessional and are intimidating.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to lower my payments, or put my loans in forbareance for months, and every time I call customer service they tell me to find the paperwork online. When i go online, the website tells me to call customer service. I 've been on the rin around for months, and I 'm at the point where i dont evenw ant to pay them back. It 's so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. Sallie Mae and XXXX are constantly calling whether a payment is scheduled or not. Sallie Mae will not work with other payment arrangements either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I have received a letter stating that my Bank of America card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Bank of America and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Bank of America closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this account numerous times and have asked for documentation proving the debt is mine. The debt collector has never contacted me via phone nor have I received written documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 Bank of America changed to XXXX. XXXX bank kept my checking account XXXX dormant savings while Bank of America kept my larger saving account and credit card. My payroll check is divided into my savings and checking. There in no Bank of America near me and my calls once I got through, a week later including visiting Bank XXXX XXXX with over XXXX people in the lobby on XXXX/XXXX/15 without being able to speak with anyone I found out yesterday that the only way I could transfer my money from Bank of America was to transfer the money with a charge. This was very deceptive in my eyes and have been totally blindsided and inconvenienced by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with Northeast Collection Bureau (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result.

Company response to consumer: Closed with explanation