milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to Alitha ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had an account with Capital One for over a decade. On XX/XX/XXXX, I received notification that because I hadn't used my card in 5 years, my account was restricted ( as of the date of the letter, XXXX XXXX ) - so I no longer had charging privileges and it can not be unrestricted prior to closure or reopened once closed. When I first opened my card, I had been told that my miles would never go away -- even if I reopened an account with Capital One, my rewards points would follow me. This letter from them tells a different story -- they've told me that my rewards points will disappear if they are not used by XX/XX/XXXX. In other words, it is a bait and switch. 

I hadn't been using the card because I was happily able to deal with my purchases without the need for credit. HOWEVER, I had intentionally kept the card open because I had accrued XXXX miles on that card which I wanted to use for a big trip somewhere. I was saving them up! 

The letter of XX/XX/XXXX acknowledged the rewards points and told me I had 3 months from the date of the card to use the points. I looked on their website and found that the way to use the points for miles is to book the travel and then have Capital One reimburse based on the miles accrued. So, I did this. 

Then, I called Capital One at the number given on the letter - the woman I spoke with told me that, as the card was restricted, I couldn't use it for travel ( the one reason I had saved them up ). At best, I could get a check for approximately half their travel value ( {$340.00} dollars ) or I could get gift cards for up to {$650.00} dollars. Neither of these responses meet my needs. The lady on the phone connected me with the travel service capital one uses, and they told me they could book my flight for me, but, as I no longer have use of the card, I'd have to talk to yet another person. So, I was transferred again. This lady gave me the first option ( half the value check or giftcards ) and I explained that I had been shuttled around twice, with the suggestion that she could help me with the travel. She told me she'd look into this, but as yet, to no avail. 

I carried the card, I obviously used the card enough to get a healthy number of points, I kept the card open to use the points for travel, and have now been told that this isn't an option, as they chose to close my card without my being able to change their decision. This choice on their part is a ding on my credit, which I am not happy about, but more significantly, it is resulting in the loss of a big chunk of money that I actually earned by carrying and using their card. Basically, it seems that once I was no longer making them money, they discarded me -- even though I had made them significant money ( and earned significant points ) in the past. This doesn't seem right. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX accused my daughter of breaking lease and charged us for entire lease duration. When I called to disput the amount, they said they would not work with me and immediatly turned me over to glc collections. I went to court as should have been done originally, this was a dispute over lease issues and has to be settled in court first. I won the judgement and was awarded money for damages. The original amount was XXXX off since XXXX was guilty of code violations and of double dipping- they had rented residence out already. XXXX has settled and GLA still will not remove collection.GLA did not investigate and show due diligence in accepting this debt. XXXX has admitted guilt by losing lawsuit and paying, so in effect there can be no collecyion since the wrongdoing was not my fault.I have contacted them and they have not responded. I want this off of all XXXX Credit Reports, since they never should have been there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company is calling my work phone number daily. Have n't received anything in the mail within the required time frame of them calling me per FDCPA.They only call my work number and not my personal number. This needs to stop as my work number is for work purposes only.

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 09/22/2015 about Mortgage (FHA mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with CREDIT BUREAU OF NAPA COUNTY, INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).

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 01-01-2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL).
Issue: Managing the loan or lease

Complaint: Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, this is in regaurd to expierian. I 've struggled with XXXX my whole life and my majority of derogatory marks and accounts in collection are a result of that. Additionally expierians accounts in collections differ in company ownership from one bureau to the next. That said I am a firm believer of holding one accountable for their actions. But these records from XXXX to XXXX were during a time I was fighting major XXXX ranging from XXXX. I 've struggled with XXXX for as long as I can remember in childhood. None the less I have since XXXX XXXX regained control XXXX and turned my life completely around at XXXX with XXXX helping. I 've been employed for almost 2 years now and since my first job at XXXX never worked longer than 3 months. I 'm motivated, passionate and optimistic of my families future but the weight from my problems yesterday are hindering me of today 's true potential. All thing 's considered not to mention having documentation of said woes, hospitalizations, psychiatry, medication ect. I 'm asking for a second chance and strongly believe I deserve XXXX through XXXX negativity and collection be forgivin. As well as any coinciding information as a result of illness.

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 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has me owing them $ XXXX.when i moved out in XX/XX/2000 i received my mailed security deposit back and left a clean apt., and gave 30 day notice. when i contacted XXXX about this debt, they could find no information in computer or back files.I never heard anything about this debt until it showed up on my credit report. what do i do now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation