milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.

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 12/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan

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 01/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: APR or interest rate

Complaint: Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.

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 05/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
I received notice from Equifax on XXXX/XXXX/XXXX that this account is not reporting on their file. However, in violation of Federal Law FCRA Part ( A ) ( 5 ) ( B ) ( ii ) they have reinserted this negative item onto my credit report on XXXX/XXXX/XXXX. This violation of Federal Law caused my credit score to drop XXXX points. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: AFFILIATED ACCEPTANCE CO # XXXXThis account has been reinserted. It was removed before and it is an account that was established due to ID Theft and Fraud. I was never a subscriber and I never lived in the XXXX of Colorado. The collection agency fails to validate and verify the debt but continues to report it even though it was previously removed. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt. 
If you look on XXXX it shows account closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This is a new complaint following the first complaint ( # XXXX ), They did not provide the fact that I had many calls between them and myself while I was hospitalized fromXX/XX/XXXX- XX/XX/XXXX due to a major car accident, or that I had made " good faith payment '' on XX/XX/XXXX on both accounts which would stop the the collections calls, but how can collections called be stopped but a cancellation continue for late payment? The small micro amounts are the payments AE asked me to make to avoid further calls or actions- Also the enclosure submitted to you as a response to CFPB seems to contradict their statements in the letter addressed to myself, which I still have not recieved as of this date. 
None of the numbers, that were indicated in the Company 's response match up with the document provided in the response, - balances are not matching up and not documentations for the various payments and why requested by AE, its seems like like it was recently manufactured, since I have yet to received the response that was given to CFPB, even my company name is misspelled ( XXXX XXXX XXXX ) when it should be XXXX XXXX XXXX, I just feel looking at the documentation submitted by AE need to reviewed by an Independent Audit ; I also feel I was penalized for reporting this complaint and that this is not the first questionable practice by AE- they previous was order to provide restitution to it customers ( I believe it was in XXXX, which they were sued and lost about 80 millions ). I also feel they should not combine my Personal Green card with my Business Card availability since my Personal is under my SSN, and my Business is under my TIN which is also a LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) .I never authorize a " personal guarantee '' was informed that I was personally responsible for my LLC finances, nor is it any listed that I am in my CMA or terms and agreement. I believe this is another questionable tactic which enables AE to make someone " personally responsible '' with in the Company which circumvents the XXXX XXXX Laws. They also indicated that they adjusted my spending due to my FICO score in XX/XX/XXXX, when it was its highest at XXXX or XXXX I believe- so again it does not make sense what they submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call my place of employment. They have been asked to stop numerous times. I work in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've been telling XXXX that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX XXXX is like I said.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I completed a debt consolidation loan and had a check sent to Citibank. The funds were credited to the incorrect account. I contacted the company and requested the funds be found and applied to the correct account. Was told that I need to send in the information showing they were cashed. Told them I can email right now. Was told they do n't accept emails. Asked for a supervisor who stated the same thing. I asked how I could get them the information to prove they messed up and was told I needed to fax or mail the information. I said that was unacceptable, and asked where I could file an executive complaint and was told that i would have to mail that as well. Asked if I file a complaint with the CFPB if that would get their attention and the SUPERVISOR stated he did n't know who the CFPB was.

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 10-06-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (I do not know) with Western-Shamrock Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Western Finance in the amount of {$1700.00} this company has stated that file lawsuit if I do not respond within 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please see : XXXX : XXXX XXXX XXXX XXXX Overview Website XXXX XX/XX/2018 Helpful ( XXXX ) XXXX XXXX XXXX `XXXX These people are scam artists that prey on innocent people seeking employment in an attempt to steal their identity. '' Current Employee - Customer Service Representative in XXXX XXXX, CA Doesn't Recommend Negative Outlook Disapproves of CEO I have been working at XXXX XXXX XXXX full-time ( Less than a year ) Pros There are no Pros to this job posting whatsoever!!! These people are professional con artists who are using this employment scheme to gain access top innocent peoples banking information and identification number Cons They will contact you and offer you a lucrative position within their fake company. Once they confirm you are hired for a non existent position they will send you a check for {$5000.00} or more to purchase materials in hopes that you deposit the check that will eventually bounce but they have already obtained your banking information and they ask you for a copy of your state identification card to add you to their Show More Advice to Management XXXX should really screen these posting and make sure they are valid reputable employers before allowing these postings to fall prey on to unsuspecting individuals. If you have been scammed by these people report them to your local law enforcement agencies ASAP as well as the 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
Consumer complaint received 09/17/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Shopping for a loan or lease

Complaint: TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: KEPT CALLING ALL NUMBERS AND SKIP TACING ME IN VIOLATION OF FDCPA AND TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX

Company response to consumer: Closed with explanation