milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX 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 06/22/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (TX).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit card protection / Debt protection

Complaint: I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. 
As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. 
I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. 
My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My finance co. Is trying ito make me pay an extra year of escrow. Selene Finance said they can charge what ever they want. I do n't recall that being within the terms of my contract agreement when I got my FHA loan. The extra they expect exceeds my income limitations. It will bring me extreme hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: When I received my XX/XX/XXXX statement from Comenity Capital Bank I was charged a late payment charge of {$27.00} and Interest of {$53.00}. They said they received the Full Payment of the Statement Balance 1 day late. I asked them to send a copy of the envelope with the date stamped received. They said they do not save them. I said how do I know it was late then. They said to take their word. I told them I wanted these charge removed. In the last 16 months, they posted my payents an average of 3 days early. Please see attached worksheet. On XX/XX/XXXX, they sent me a letter saying they were waiving the late fee, no mention of interest. I called them XX/XX/XXXX to cancel my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: Hello Sir or Madam, XXXX XXXX XXXX, XXXX an unauthorized charge of {$400.00} into my account which I had completed the agreement on XXXX XXXX, XXXX for the handyman. 

I notified XXXX on XXXX XXXX, XXXX that I did not authorize the charge, no card was swiped in his credit charge machine, no phone call to authorize the charge, and he was not even at my house. 

I filled in the paper work for dispute. 

On XXXX XXXX, citicards said it was a fraud issue therefore went to fraud dept. No response. I called within a week and they said that does n't below that department. 
On XXXX XXXX, I talked to the supervisor XXXX in dispute dept and he said look into it. 

On XXXX XXXX, I called into dispute dept and XXXX said it will forward to an investigator. 

On XXXX XXXX, the security dept emailed said that this is not their dept. to handle the case. 

On XXXX XXXX, I called the dispute dept. and XXXX then XXXX said it will forward to investigator. 

On XXXX XXXX, called the dispute dept. Could n't provide me an answer and they sent a form to complete XXXX XXXX XXXX, I faxed the form. 

On XXXX XXXX, received an email that they could n't read my fax. 

XXXX XXXX emailed the form. 

On XXXX XXXX, I called dispute dept. and XXXX responded that they will forward to investigator. 

On XXXX XXXX, I talked to XXXX in dispute dept and she said the her supervisor is looking into it. 

On XXXX XXXX, I contacted XXXX for consumer help. XXXX was able to get some help from the XXXX area of Citi Bank ( XXXX ) phone # XXXX XXXX ]. She said the whole process start from beginning again. Will have the resolution in XXXX XXXX XXXX line is that I talked to the handyman in mid XXXX XXXX about the issue. 


I never did authorize this charge period. Everytime that I authorize the charge is running through his credit charge machine. 

So, with that credit card machine supposedly an authorization code is attached onto the credit slip. But for that specific day -no authorization is performed. 

Thank you. 
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 monetary relief
Consumer complaint received 02/25/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease

Complaint: My payment was do on XX/XX/2017 I had previously setup a payment to be collected on the XX/XX/XXXX in which I transferred the money from one account so I could pay on line or over the phone which I did at which time the following morning I noticed they pulled twice from my account causing XXXX insufficient cash charges on my account for XXXX 's furniture represented by Wells Fargo retail services who went on to with draw another payment on the XXXX of the same month after speaking with them they said theirs nothing they can do both my XXXX an also my teachers federal credit union accounts have been affected

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 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Profit Recovery, Inc (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Ph. XXXX I called the company that bought out my loan from another company who originally had it. I agreed on an amount with them and my account would be considered paid in full. I paid it on XXXX of 2015 and they still have no reported it, so that it shows on my credit report. Every time I call them they say to call the original owners of the loan. which I did and they keep tell me that its not their responsibility.

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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX, I received a notice from Citibank that my account ending in XXXX was closed because of inactivity. I had no inkling that this was even a possibility until the account was closed. Citi notifies me all the time about all kinds of things, including their product offers, but never gave me an opportunity to use my account to keep it from being closed. When I called their customer service on XX/XX/XXXX, the representative told me that my account closure was irreversible and that Citi was under no obligation to notify me in advance. Ironically, they had just sent me a new card for the account they ultimately closed, further giving me the impression that my account was in good standing and not at risk for closure. 

This is no doubt incredibly frustrating news to receive because of the negative effect it will have on my credit score, but that 's only part of the problem. Financial services firms should not be able to take the drastic and onerous step of closing an account without first notifying the account holder and giving that person some time to rectify the situation. The CFPB has so many good policies in place to keep customers safe from unfair account practices, and requiring a company to notify account holders of potential account closer should be added to that list of protections.

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 09-06-2016 about Bank account or service (Checking account) with Miller, Stark, Klein and Associates (WA).
Issue: Problems caused by my funds being low

Complaint: I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.

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 01/14/2018 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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