milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am 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 explanation
Consumer complaint received 02/18/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Mortgage paid off by XXXX XXXX/they requested pay off amount from Wells Fargo ( XXXX 2015 ) WF gave them a figure, check was issued, then WF called back to XXXX XXXX and said they needed additional money to pay off debt - XXXX XXXX sent second check in the amount requested - paperwork submitted shows account with XXXX balance. Then in XX/XX/XXXX an automatic charge appeared on my checking account for what was the monthly payment ... I challenged it with my bank XXXX XXXX XXXX, provided them my documents and they supported myclaim and refunded the money taken by WF. Then WF tried to debit my account again in XX/XX/XXXX - same procedure, challenged with my bank and they again agreed and the charge was reversed. Now WF calls this house 3-4 times a day, we have tried to block the number but they must be using a different number than what is showing on the caller id ... ..We can not get them to stop ... they call at XXXX XXXX every day, including week-ends, call later in the afternoon and at night ... .Have even answered once or twice trying to explain why we no longer owe this amount ... .they continue to call ... .we need help stopping this harassment.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am trying to improve my credit score so called a collection company on XXXX XXXX and paid them {$160.00} for a debt. The XXXX XXXX company goes by American Collections Services on two credit reports and XXXX XXXX XXXX on another. 

I waited a month and saw that they have reported just days ago on another outstanding debt, but did NOT report that this debt is paid. Instead, they left it on my report. 

I know I have another debt to pay and hope to pay it soon, but would like my report to reflect the fact that the debt has been paid. It cleared my bank account on XXXX XXXX. 

The address and phone number listed on one credit report are : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

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 11/27/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am trying to access my account from another application with my username/password and CapitalOne is blocking it. Custom rep on the phone said they ca n't do anything to unblock it and claimed it was for my own protection in light of things like the XXXX breach. That does n't make any sense because I am trying to authorize myself to use my own account, and clearly the information is already store on Capital One 's servers either way.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I filed for Chapter XXXX bankruptcy protection in XXXX primarily for relief with XXXX private student loans serviced by XXXX XXXX ( now Navient ). I have multiple student loans with Navient. Only XXXX of the private loans were part of the bankruptcy repayment plan. As part of the plan I repaid the balance of these loans in full with 4 % interest, and did so 2 years early XXXX XXXX XXXX ). Subsequent to receiving my bankruptcy discharge I noted that the XXXX accounts which should have been paid in full were still present and had a balance. After doing some research I realized that the trustee 's payments for the bankruptcy had been directed across ALL of my loan accounts, not just the XXXX that were named in the suit. I called Navient to inquire about this and was initially instructed that there was no issue, that all accounts were in good standing and there was nothing to be concerned about. I later discovered after checking my credit score that these XXXX accounts were actively being reported as " Charge-Off '' with an outstanding balance that showed as not being repaid. I have not missed any payments since completion of my Chapter XXXX bankruptcy. I have paid these loans as directed both by the Federal Court and by Navient. I have on multiple occasions sought to resolve and correct this with Navient, but I have received no admission of error or assistance in resolving this dispute amicably. Today I was even advised by a Navient employee that it might be easier for me to just go back to my attorney and file proceedings in bankruptcy court to resolve this issue. This is actively impacting my credit score in a negative manner and is impeding my ability to put this unfortunate issue behind me. I do not see how it is my responsibility to take time away from my job, hire an attorney, and return to court when that is exactly what I did already with the original filing. I followed the terms of the repayment plan laid out in bankruptcy court, and did so faster than required. To me this amounts to continued punishment despite repayment of a debt, the very thing the bankruptcy court is supposed to let consumers avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: On XXXX XXXX 2017 I filed despites on 4 student loan accounts and Equifax, XXXX, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2015 about Bank account or service (Checking account) with Comerica (PA).
Issue: Making/receiving payments, sending money

Complaint: Comerica Bank refuses to reimburse me for fraudulent activities on my account during the time period of XXXX and XX/XX/XXXX. I am sending along official documentation of my incarceration at that time, which clearly states that I was in custody for a year during that period until my release on XX/XX/XXXX. Also included are the Social Security documentation of overpayment as well as the bank statement showing payments made to XXXX, XXXX XXXX, etc. This is a DirectExpress Mastercard through Comerica Bank onto which funds are directly deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I paid off my auto loan in XX/XX/2013. Capital One has been reporting the account as 30 days late since XX/XX/2013. I have been denied credit many times because of this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been affected by the consumer data breach announced XXXX/XXXX/XXXX. I am extremely displeased that my information was and can be accessed without my consent to a credit reporting agency that I do not have the choice to conduct business with. I am a " customer '' of Equifax, whether I want to be or not. I am even more displeased with the amount of time it took to announce the breach to the public. Apparently, the breach took place between XXXX - XXXX of this year, but was not announced until yesterday, XXXX, and most importantly, various news outlets report that high-level executives sold their stock/shares between the time of the breach and the public announcement. This is a form of insider trading and has the potential to destroy the stability of the stock market. They should be punished up to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed with  Trans Union  on  XXXX / XXXX /  XXXX   inquiries that were not authorized done by  XXXX   XXXX   (  whom agreed in a previous CFPB complaint to delete said entries )  Trans Union  responded on  XXXX / XXXX /  XXXX   only have deleted  XXXX  out of  XXXX  of the inquiries, even though I submitted evidence from the CFPB complaint including a letter by  XXXX   XXXX  indicating that ALL inquiries by them would be deleted. Attached is the  XXXX   XXXX  letter of delete and the deficient response letter from  Trans Union  that did not do what  XXXX   XXXX  indicated on their letter.

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 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in 2013, we were billed by XXXX for usage that we were n't responsible for. Due to us switching carriers, there were some discrepancies with billing where there was an overlap of carrier usage, thus causing XXXX to perceive that we still owed them usage charges. After receiving numerous billing statements from XXXX ( even after trying to resolve this issue over the phone, another company ( hired by XXXX ) contacted us for payment. A letter was sent to clarify the situation and further communication resumed between us and XXXX, and the charges were adjusted and the balance paid. We are now getting phone calls ( multiple daily phone calls ) from a supposed debt collection agency to pay money owed to XXXX. After telling us the amount owed, they ask for information needed to pay this debt. I did not provide that information and told them I would contact them as soon as had information confirming that I no longer owed anything to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: My father died XX/XX/XXXX. Before his death he made my XXXX brother and I beneficiaries of his home. His Mortgage is with Ditech and he was paying for insurance that would pay for the house upon his death. Not only has Ditech refused to talk to us, ( my father did not make a will ) and they have not honored the insurance my father purchased. Because the property is worth less than {$50000.00}, and it is in CA no probate is necessary. I have sent Ditech many documents stating this fact, but they still refuse to discuss the account with me and have sent a notice that they were going to start foreclosure on XX/XX/XXXX. Since they consistently refuse to discuss this account or honor the insurance, I have to file this complaint. I am out of ideas. I have been to an attorney 3 times and I do n't know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

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 04/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Billing disputes

Complaint: Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.

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