milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank mails customers statements of certificates of deposits ( CD ) balances and interest credited once a month. Bank credits interest monthly by individual CD date, but provides only a single statement for all CD 's in the customer 's name once a month. For CD 's with interest credit dates after the current month statement date, customers have to wait for the next month 's statement to verify the interest earned in the prior month. 

This reporting method results in a disconnected process and burdens the customer with extra work to reconcile accounts. The current system is new. The prior system handled the different CD interest credit dates so that the monthly statement showed interest credited through the statement date for all CD 's. 

This problem has been confirmed with the bank. Their answer is that this is the way the system works. The purpose of submitting this complaint is to raise awareness for the bank to take corrective action.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S ( T RACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed my credit card account with Capital One Bank. This process was difficult by itself due to the fact that we were unable to get ahold of a person in order to close the account. Now that it is closed, I am getting notices that I have two delinquent bills which are hurting my credit score. I have statements proving otherwise as well as documents showing that my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested credit bureaus to update my address ; XXXX & XXXX Changed it except for Experian. I sent a request via fax and even called them but experian Does n't want to remove the OLD addresseses. I 'm residing in my current address for more than 2yrs and they should correct my info.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 02/28/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo employee refused to let me speak to their branch manager and give me their branch number.

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 01-11-2018 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Kohl 's repeatedly calls my phone number looking for someone who has not lived here for 5-10 years. I have told them that and asked them to stop calling me, but the calls persist. 

For example, Kohl 's admits that they called me on XX/XX/XXXX about XXXX XXXX. They admitted that I requested at that time that they no longer call me looking for someone else. Yet, on XXXX/XXXX/XXXX, at XXXX XXXX, Kohl 's agent named XXXX ( # XXXX ) called me looking for someone else. 

I am tired of the repeated harassing calls. I have never had a charge account with Kohl 's. This has been going on for years. I want it stopped. 

Note : I have never had a Kohl 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I opened auto loan with capital one auto in XX/XX/XXXX. Over the course of the loan I was charged interest and extra interest for extensions on the loan that was not disclosed to me. During my loan I had several mechanical problems with the vehicle my fifth year being the most costly .The car needed a transmission, computer and other repairs totaling over 7,000.00. I reached out to capital one in XX/XX/XXXX requesting assistance. I was told by the representative that I was unable to receive assistance unless my account was three months behind. My account was already one month behind at the time. She advised me to call back for a program around the 90 day mark. I called in to capital one in XX/XX/XXXX and I asked for available program and I was told that there is no button available for them to push for a program even though my account was three months past due as I was instructed to do by the representative I spoke with in XX/XX/XXXX. I asked to speak with a manager and I was also told that he could n't help me because my loan was at the end of its term and he also explained to me how the capital one system works and how they wo n't offer assistance and about their predatory lending and harsh practices. I called back again in XX/XX/XXXX to seek a remedy and spoke to several people and was later contacted by the corporate office and they failed to send me an email or place anything in writing or assist me with the matter. The young woman did offer to review the calls. I explained to the woman that she shouldnt call but place her findings in wtiting and she said she couldnt do that and that only her legal team could. The represenative called me back anyways after my request was for her not to because of previous issues, i declined to take the call and she refused to put her findings in writing. My account was charged off in XX/XX/XXXX and Capital one continues to bill fees and monthly payment amounts to the account without sending bills or notices which is a direct violation of the truth and lending act. Also contacting a customer when they have a non contact order on the account. I have tried to resolve this issue with the company and their refusal to update my account history and not assist with the loan, their violation of the laws is evident. I am left with no other option than to take legal actions if this matter is n't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: After bank of America changed online access security ; I attempted to pay my monthly statement online. And, I was not able to access the account online. I called Bank of America to pay the monthly minimum, when the agent informed my social security number did not match what Bank of America had on file. I informed the agent the number I was giving the agent was correct. However, the agent informed he was unable to accept the payment. The agent informed I would need to download a form from the website and send the completed form to Bank of America. I also went to a branch to pay my account. However, I was told the account could not be retrieved with the social security I presented. I completed the recommended forms twice. Currently, Bank of America is assessing the account late fees, over-the-limit fees. This situation has been going on since XX/XX/2017. Now, I am receiving letters from Bank of America threatening to charge off the account. And, Bank of America has submitted negative credit reports to the credit bureaus.

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 02-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: - When my loans transferred from XXXX to XXXX, I was told that all information including my XXXX plan information, my payment amount, and direct debit information would transfer with it. 
- My loans were transferred as of XX/XX/XXXX due to participation i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..

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 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please remove all my information history which I owed them in TransUnion. I XXXX for college, car loan, XXXX, XXXX and XXXX. I do not understand they still keeping my history. It already passed 7 years. I tried to apply credit card but they not approve because of my bad history. I not agree with them hold my history OVER XXXX years. Please clean up my credit now and thank you. The policy said hold up to 7 years only.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: I send funds to my mom for festival and it was reported pick up although my mom never got the money and no receipt in her hand. when she went to pick up the funds, agent said it was picked up., Please help me, it 's giving lots of tension and stress for both of us.I called money gram and they were not help at all, they do n't care, I was told by many people that money gram have some fraud going on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and mental ability to stay focus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AL).
Issue: Advertising and marketing

Complaint: AMERICAN EXPRESS has made XXXX Hard Hits on my credit history. In XXXX there were XXXX. In XXXX there were XXXX. So far in XXXX there has been XXXX. I have never applied for an American Express credit card. Also other lenders have made inquiries to my report. XXXX XXXX has made XXXX over the past 3 years. The most recent being XXXX XXXX. 
I understand these " hard hits '' could be affecting my credit score. Please advise. Other companies doing this same action are XXXX XXXX MORTGAGE, XXXX BANK, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Mortgage) with Sortis Financial, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This company is reporting erroneous information on my XXXX credit report with account number XXXX. Several years ago I filed a bankruptcy which has now discharged. This company has reported this debt to XXXX AFTER the filing of a bankruptcy for a creditor that was included in the bankruptcy with dates as recent as XXXX of 2015. This is a severe violation of the FCRA and FDCPA. I have written them at least XXXX about this. I will attach the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so.

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