milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..

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 01/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Using a debit or ATM card

Complaint: Before planning a trip to XXXX My daughter contacted Bank of America to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Bank of America it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Bank of America to see what the problem was and they stated it was a security check. Bank of America also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Bank of America apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Bank of America very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (CA).
Issue: Struggling to pay mortgage

Complaint: I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   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 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase Credit card charged foreign transaction fee without consumer notification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company. 

I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above

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 10/14/2017 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: inaccurate info with breach of Equifax has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I previously submitted a request for a 'proof of debt, ' in order to see if this debt is actually mine. I have been curious since ProCollect called me back in XXXX about this debt. After several attempts and many phone calls to get ProCollect to validate my debt, they finally did after I submitted my first claim to CFPB. ProCollect ended up sending me a document, only one that was provided by the apartment complex with the XXXX logo on it. All documents must be presented when requesting validation of debt. There are several things that concern me about the document ( s ) : 1. This is not my signature. This is not my handwriting. This is hardly even my information other than my personal info. I can definitively prove this. 2. XXXX XXXX XXXX, the actual lease holder is a career criminal that already has a record of fraudulent activity. 3. My great grandmother is also listed on the lease as another occupant. My great grandmother has been sick with XXXX and I can guarantee you her information was also illegally obtained. So this is two fraudulent criminal complaints. 4. What scares me is that XXXX XXXX is a career criminal and if she would of requested validation of debt, then she would NOW AGAIN have my social security number. Going forward, I would appreciate that you would white out my Social Security Number and my great grandmother 's SS #. This is simple Credit Law. Consumer Credit Collectors CAN NOT SHARE SOCIAL SECURITY NUMBERS with other consumers, regardless of the situation. 5. I have sent XXXX XXXX several emails, along with his associate XXXX XXXX to resolve this since and they refuse to answer me on how to proceed. I am fed up and if I would of seen the supporting documents back in XXXX 2016, I would of had this taken care of by know. If I do n't receive a response through email at XXXX,  along with a response through CFPB and a phone call stating that this BAD DEBT will actually be written off to BAD DEBT, then I may consider NOT retaining XXXX XXXX to sue ProCollect, along with XXXX XXXX as co-defendant. I have already made XXXX XXXX aware of this matter. If I do n't receive a response by the end of business on Friday XX/XX/XXXX, then I will be retaining XXXX XXXX and we will be going to court. I attached the " supporting documents '' on this bad debt, that was sent to me from XXXX XXXX. She would n't respond to my emails nor would anyone transfer me to someone that could help me with my account. Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Somehow My father accidentally added me as an authorized user on his credit card at  Home Depot.  I was never and have never been involved with his  Homedepot  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the    XXXX   XXXX   d own into the    XXXX   XXXX   a nd has affected my ability to get an addiquit house loan. Homedepot removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a Homedepot and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting he r credit score. It jus t does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem. Home  Depot  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MI).
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: Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.

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 02-09-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX has had a bank account with XXXX XXXX  XXXX XXXX since XX/XX/XXXX. The account was set up online and any relevant business information was confirmed with Capital One. To our knowledge, the account was in good standing and we neither received any further communication from Capital One, nor did we have any alerts or holds on the account after originally opening the account We recently received 2 wire transfers into the account totaling $ XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively. There was no issue receiving the funds into the account and we did not receive any communications or notifications from Capital One signaling that there was an issue with the fund transfer or our account standing. 

On XX/XX/XXXX we added a XXXX XXXX XXXX  account in order to initiate a transfer of funds from our Capital One account. The XXXX XXXX XXXX transfer account was verified by XX/XX/XXXX and since then we have been trying to transfer those funds out of the XXXX XXXX XXXX XXXX account. 

Capital One, after having the account open for 6 months, is now telling us that our account is restricted due to insufficient information for address verification. Mind you, this is the first we've ever heard of this, and if the account had been restricted, which is their right, they should have never accepted the funds to begin with. 

We have been on the phone with them for 2 days and they are not letting us touch the funds that are rightfully ours - the funds they should have never accepted in the first place. 

In their terms and condition it clearly states that if an account is not verified properly, funds can neither enter nor leave the account, which means that, by the logic of their terms, since they accepted the funds into the account the account is verified. 

I am confused and have not received an answer from why our account was in good enough standing to accept $ XXXX, but not enough to now use those funds at our discretion. 

We have time sensitive purchases and fund transfers and Capital One is affecting our ability to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.

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 01-11-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I bought a TV from Best Buy in XXXX of 2013. I spent about {$2000.00} on it and charged it to my Best Buy Credit Card under a 3 year no-interest promo. I set up automatic payments for {$60.00}. XXXX so I figured that it would be payed off in plenty of time. Originally the credit card was a best buy credit card with XXXX but a few months after i set this up, they switched over to XXXX XXXX. I had to set up my auto pay all over again when this happened because i missed a few months of payments thinking that they were auto charging. I caught up with my payments again until they switched once again to another company- Citibank XXXX I had to catch up on my payments again and set up auto pay again. My payments continued to come out every month until XXXX of XXXX when there was another issue with my automatic payments. I set those up again and by XXXX My balance was only about {$110.00}. I was going to just call and pay it off but I did n't because I figured that the automatic payments would take care of it. I even called them and confirmed that they were set up so that I could make sure that it would be payed off. They reassured me that I was on track so I just allowed the automatic payments to come off. I checked a few months after this because I noticed that they were still taking the automatic payments off from XXXX. I checked my account only to find that there was a {$1200.00} interest charge applied to my account. What happened was that I bought something on my Best Buy card between when I last talked to them and XXXX. They applied my automatic payment to the new purchase that I made, defaulting my original balance to go over the 36 month interest free period. This is the most fraudulent, dishonest thing I have ever experienced from a credit card company or any company for that matter. I have talked to them multiple times and they will not budge. I am going to file a small claims suit against them this week and I would like to also file a complaint with this bureau. Thank you for your time! 

XXXX 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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Hello, I can not get my credit report from Equifax. I have tried to talk with about 25 people at Equifax Customer Service over the last week ( XX/XX/XXXX-XX/XX/XXXX ) and Equifax refuses to assist me. I have reason to believe they are showing me as XXXX because my credit report from a third party aggregator of three credit reports shows a note about me being XXXX. I am not XXXX. I have confirmed with the Social Security Administration that they do not show me as XXXX. I need this cleared up yesterday, as I am trying to close on a home loan that is now in jeopardy. I need Equifax to respond to me, but they refuse to talk to me, let alone check with SSA to confirm the record with SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with PREFERRED CREDIT INC (MN).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX in XX/XX/2016, we made payments for a few months. In XXXX and XXXX we had some financial trouble and fell behind. We picked back up and made payments over what we owed to get out of " collections '' even though they were still accepting our payments. In XXXX the finance company called my work phone, I explained that I can not take calls at work and asked them very firmly never to call my desk again. This month we are short due to me having to take time off of work for health issues. the payment came out this morning and they called my desk phone again! I may lose my job because of this and it is a huge violation since I have asked them previously to take that number off of my file they CAN NOT call it.

Company response to consumer: Closed with explanation