milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is refusing to investigate some inaccurate items that is on my Credit Report. I have sent in numerous disputes to have these items removed. Ive even sent in a copy of my driver license and social security cards to have the inaccurate items removed. I have asked them to sent me verification that these accounts are mine. They just continue to send letters saying they verified the acounts. The accounts are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. # XXXX. These accounts are inaccurate and they failed to response within 30 days to validate the debt.

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 07-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.

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 EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely  wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Rewards

Complaint: My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? 

I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. 

I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (NY).
Issue: Getting the loan

Complaint: I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Mortgage) with Security Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Security Credit Services continues to report an illegally obtained/fraudulent account. 

The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.

Company response to consumer: Closed
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Using a debit or ATM card

Complaint: Opened business account with Wells Fargo XXXX XXXX branch 4 years ago. 
The account was open with XXXX individuals on this account as owners. 
We explained to the bank that we had a partnership and presented our partnershippaper work to them for general information. We also told them this account belonged to only XXXX individuals in that partnership. 

After having this account for four years we noticed that an atm card was withdrawing funds from our account over the last couple of months withoutour permission. 
We notified the bank and froze the account and made inquires concerning who was drawing funds. 
They told us it was XXXX of the XXXX partners in the partnership who was not suppose to be on the account. The bank also explained that these partners were on the account from the very opening of the account. 
We told the bank to provide us with the original paper work which would have onlytwo signatures and all the information regarding true ownership. 
The manger could n't find it nor could the executive office. 
I requested a written letter from both the manager at XXXX XXXX as well as the executive office regarding how I could acquire policy information on how initialrecords are maintained and how can account owners get them. 
I also asked if it was a policy that individuals can go on account without signturesor knowledge of primary owner. 
They had no answers and they would not supply me with anything in writing regarding bank policy. 
I told the bankers that my main purpose was to find out how to clarify this situation and to retrieve all funds that were taken without our permission. 
Again they said they could not provide me with anything I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is reporting unverified accounts on my credit report.

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 03-06-2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (AZ).
Issue: Managing the loan or lease

Complaint: I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I opened a citibank citigold debit account in XXXX 2015. There was a promotion at the time for the following clauses. 
*Make 2 payments with your debit card in 2 consecutive months. 
*Make a deposit to your account in the first month. 
XXXX thank you points will be credited to your account in 90 days. 

I called after I opened my account to confirm my eligibility to the promotion. Result was positive. 
I called 3 more times in the next 2 months to check if I am fulfilling the requirements and operators was positive about it. 
I called one more time after I match the requirements, operator was positive and affirmed me about bonus points. They mentioned in will be deposited soon. 
After a month I called again, they said it will be credited latest 90 days. 
After 90 days I called again, they said I am not targeted for the promotion and I wo n't be getting any points. I started an investigation on their end. 
After a week investigation resulted with the same conclusion. I assured them about my many calls and how they said, I am eligible and I will be getting my points.

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 12-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Aargon Agency is reporting a debt that does not belong to me. I have disputed the debt with XXXX several times. The agency refuses to remove the debt and does not provide documentation of where I signed paperwork agreeing to this charge. XXXX reports that it is an accurate charge without any proof of how they have arrived at that resolution. In fact, XXXX has deliberately delayed resolution claiming they did not understand my request. Then, delayed my request a 3rd time saying the same thing, the report is accurate without any determination of how they arrived at my responsibility for a bill that does not belong to me. I want this item removed immediately.

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