milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Payoff process

Complaint: Capital One Bank ( USA ) , N.A . ( " the Bank '' ) is engaging in unfair, deceptive, abusive acts and practices by violating my rights under the account holder agreement for my Capital One Visa Platinum account. I recently relocated to a new state and updated my billing information with the Bank. Apparently this modification triggered a fraud alert in their system, which prevents me from accessing any account information ; information I need to remit payments and review ( 1 ) my balance, ( 2 ) account activity, including debits and credits, and ( 3 ) a copy of my rights under the account holder agreement. At the encouragement of the Bank, I foolishly enrolled in online statements, I do n't receive paper statements regularly. As a result, this system that is now prohibiting my access is my only source of this data. 

While I am not particularly concerned about ever using this account to make purchases again, I believe that Capital One is violating a number of consumer protection laws by not sharing my current balance or transaction data with me until I produce an onerous amount of documentation to prove who I am ( apparently the multiple telephone identity verification processes and desire to pay my bill are not sufficient proof of who I am ). The Bank does not have the authority to make such a demand or, if they do, I would n't know because I am unable to access a copy of my account holder agreement to review my rights. 

A large bank like Capital One should know that there are many identity verification services such as XXXX XXXX or even the USPS change of address system that would provide ample proof to the Bank of who I am and that I relocated. 

This action may be pervasive and affecting consumers at large. I encourage the CFPB to issue a Civil Investigatory Demand ( CID ) to the Bank to determine whether or not this is a widespread issue. This fraud block prevents a consumer from accessing information needed in order to pay their bill, potentially causing severe harm to consumers. I believe that this demonstrates, at best, willful neglect on the part of Capital One Bank who would certainly continue to charge additional interest and late penalties, furnish data to credit reporting agencies or charge off this account should I fail to remit regular payment on this account. 

Other, more responsible financial institutions, have implemented effective alternative methods to ensure that accounts with suspected fraudulent activity do not incur additional charges while still allowing the account holder to access relevant data about their account. 

I was able to obtain an unverified total current balance from the fraud manager who I spoke with after I was told it was a violation of their policy/procedure to provide this information to me. I have remitted a payment for this full amount to the Bank, although I have not had an opportunity to review the transactions which make up this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had major difficulties with this company for the l ast two ye ars. I wo n't go into the story except to say that I had to get a lawyer to have them remove a {$4500.00} charge that was never mine. they ought to have paid his expenses and refunded all the interest but I let it go because I had had enough of their runaround.   Now they have charged me with a late fee on a bill I never saw. they say they ca n't forgive more than one late payment every twelve months and I already had mine. the problem is that I can prove with my medical records that I have been ill for months including  XXXX   XXXX  in my  XXXX /  XXXX , and  XXXX  that went undiagnosed for at least 6 months. When I got the bill for a little over {$100.00} with the late fee of {$25.00} which could not be taken off, I felt it was usurious and illegitimate and I paid the bill without the late fee. this month I got  XXXX  bills.  XXXX  was the late fee doubled with .50 interest for a balance of {$50.00}. the other was a bill on a different card with a credit of - {$25.00}. They actually had enough to cover my late fee and zero it out.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I received a letter from XXXX XXXX stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up

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 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I still have no idea how I was even approved for over $ XXXX of private student loans through XXXX XXXX ( now serviced by Navient ) in XXXX - XXXX for two years of schooling. I did NOT have a cosigner and had very little ( or no ) credit history at all. Now, I am required to pay at last $ XXXXmonth on a less than $ XXXXyear income. Navient has attempted to " work '' with me, lowering my interest rate, however I see that they are not applying the payments correctly to my loans. Additionally, when the recent term of my past interest rate reduction program was due for renegotiating ( end of XXXX ), Navient refused to keep me at the lowered interest rate, regardless of the fact that I am currently making far less money than I was the previous year. They increased my loan interest by .5 %. What can I do? I am swimming in a pool of Student Debt in which I will never be able to climb out of. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with PNC Bank N.A. (OH).
Issue: Transaction issue

Complaint: On XXXX/XXXX/2015 a transaction conducted at the XXXX in XXXX was swipe for XXXX services as $ XXXXXXXXUSD instead of XXXX. The Resort as admitted to the transaction error and contact my bank to rectify. I filed a dispute with my bank on XXXX/XXXX/2015 dispute number XXXX. The only thing the case worker at the bank did was get a copy of the incorrect ( swiped ) transaction and has refused to credit back the difference. This is gross incompetency and/or the bank does not have the correct qualified employees working to resolve consumer complaints. I explained the transaction in question was an error and so did the Hotel, yet no follow-up nor verification beyond getting a copy of transaction was done by my bank. I have copies of the final hotel bill showing billing was XXXX, emails from Hotel explaining the error, and names of individuals at resort vainly trying to resolve this with my bank. My bank has not responded to any letters from the resort 's accountants and bank to have this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Tax Lien on my credit report that should n't be on there. Docket # 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 05-12-2017 about Debt collection (Auto debt) with Automotive Credit Corporation (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (AL).
Issue: Unexpected or other fees

Complaint: My issue started when I made my {$930.00} rent payment for the month of XX/2016 using my XXXXX The payment went through and I received my confirmation number. A few days later I went in to check my balance and found that the payment appeared to post multiple times to my account, placing my account in a negative balance. Upon verifying the payment amount with my property manager, I immediately submitted a dispute with XXXX to resolve the matter. I submitted documentation from the property manager to XXXX to support the dispute. During this time, my child support deposit for for {$950.00} in XXXX was held ( due to the " negative '' balance ) pending the dispute. The dispute was subsequently approved and the rent payment was reversed from my property manager and I was issued a credit for amount paid in rent, which should have cleared the account to a zero negative balance and releasing my XXXX XXXX XXXX deposit. I have yet tor receive my XXXX deposit. I have been give a runaround for months, even being asked to send in a written request to release the deposit and to also reopen the dispute twice to no resolve. I have requested more than 10 times to get confirmation of the events that are taking place to resolve the matter and also get transaction statements. I have been unsuccessful in each attempt. Each time I call the customer service line to get an update a fee is added to the account. The customer service representatives never know what is going on and I have to explain the issue again every call. I have been told various timeframes in which I will receive my {$950.00} credit, but the credit never gets released. The issue has been " escalated to management '' several times. I am now in my 10th month of waiting on my money to be returned. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2015, I filed an dispute with XXXX XXXX XXXX , XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX XXXX XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX XXXX XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX XXXX XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA XXXX XXXX XXXX XXXX me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Unsolicited issuance of credit card

Complaint: I was buying an item on ebay. I went to pay with my paypal account. They redirected my request without telling me. I thought I was confirming my ss # and email for security purposes for the purchase, the next thing I know they setup a credit card account in my name. This is not acceptable. I called to have the account closed and credit inquiry removed. They said they could not remove the credit inquiry. I am in the middle of applying for a home loan. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union is being willfully Malicious by failing to timely and accurately update my credit report as required by ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Dispute was filed on XX/XX/XXXX. To date, still not resolved, albeit the XXXX other major credit bureaus have acted in conjunction with the credits required to correct the inaccuracies. 
Specifically, referring to the XXXX XXXX XXXX XXXX ; after I called XXXX XXXX today ( XXXX/XXXX/2016 ) @ XXXX to ascertain the accuracy of the inaccurate information, I was advised that they did not submit any/ that information as they have ceased to report that account since XX/XX/XXXX .It was also observed that Trans Union has `` re-aged '' the reporting of that account to XX/XX/XXXX. 
Inaccuracies continues with my XXXX XXXX XXXX to date, notwithstanding corrections issued by the creditor since XXXX XXXX, 2016. Please see the attached. 

Please see prior unresolved complaint : Case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I am requesting information about the fines against Wells Fargo. My father had a retirement account at Wells Fargo in XXXX, Ca. However when he retired and went to access one of his accounts he was told that his account had been closed and his funds had been transferred to a different type of account. As a result of the money being " moved '' he had no funds left to him. My father had not authorized any such access, transfer or new account. He filed a police report but that was the end of it. He was unable to recoup his money. 

In light of the new information, I would like to know if there is a group or organization he could meet with about his previous Wells Fargo accounts.

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 05-05-2017 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from  XXXX   XXXX  IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.

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 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed with all XXXX credit reporting agencies, I have over 7 year old accts they will not remove. I have a collection that all but XXXX agency ( XXXX ) will not remove. 
None will provide me with full account numbers proving they belong to 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 non-monetary relief