milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Capitol One has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized Cap One to inquire about credit. Cap One Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.

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 08/17/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Halsted Financial Services calls me several time a day from various numbers XXXX is the latest, they threaten to have me arrested for a debt i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX, I opened a Small Business Account in the name of XXXX 50 Year Reunion. The documents I signed, indicated that I would be receiving a debit card tied directly to the checking account that was opened. Within a week, I also received a Wells Fargo Visa Credit Card with a limit of {$20000.00}. I DID NOT APPLY FOR THIS VISA CREDIT CARD. Our family has been valued customers with Wells Fargo since XXXX. My wife and daughters all have their financial dealings with Wells Fargo. Their entire information has now had the potential of being hacked

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 02-10-2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CT).
Issue: Managing the loan or lease

Complaint: My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC (GA).
Issue: Other transaction problem

Complaint: This incident happened on the XXXX XXXX XXXX XXXX XXXX. cryptocurrency exchange. On XXXX XXXX 2017 at XXXX XXXX I Completed limit buy order for XXXX ETH @ {$440.00} for a total of {$330.00}. I then attempted to withdraw XXXX ETH from the exchange and then the website timed out. It then threw my funds back into an open order with no option to cancel. Now I can not access my ETH funds. Their support is giving automated responses and is not listening to my problems.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.

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 08-01-2017 about Debt collection (Medical debt) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IC systems, Inc is attempting to collect on a alleged debt that I do n't owe them. Back in XX/XX/XXXX of 2017 they agreed to stop all collection attempts and remove all the negative items from my credit reports, however they are still calling and harassing me and the negative reporting is still on my credit reports. They are in complete violation of the Hippa law.

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 08-07-2016 about Debt collection (Medical) with Ability Recovery Services, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: The unverified items ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON 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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2015 I reported to Equifax the following, recorded XX/XX/2015. You 'd think SOMEONE with a working brain would have fixed it XXXX IN XXXX AS FORMER RESIDENCE IS NOT TRUE I AM FILING A LAWSUIT ON XX/XX/2015. Fortunately in spite of their incompetence, I was able to get the home loan. But this false identity theft address is STILL on my report after 2 years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from 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 04/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed DoFD in 2008. I have never heard of XXXX. I never received any correspondence from XXXX or XXXX. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies.

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites.

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?

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 03/20/2016 about Debt collection (Medical) with N.A.R., Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please See Police Report Attached the person was CAUGHT AND CONVICTED

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: During the week of XX/XX/2018, I had contacted American Express to enroll in a Payment Program in order to be set on a fixed 5 year plan to pay down the balance on each Account I have with American Express. According to American Express, I was authorized, and at that point, I agreed to start with an initial payment ( and subsequent payments per month for the same amounts ) of {$310.00} for the American Express Everyday card and {$30.00} for the American Express Blue Cash card. 

Both payments were collected. A few days later, I contacted American Express and was informed that due to a " System Issue '', I was not enrolled in the Payment Program and that they were attempting to collect, yet more debt ( even though I had already satisfied the first Sequence of payment arrangements due to my assumption that I was enrolled in their Payment Program ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC recently acquired my mortgage. On the date of transfer, XXXX XXXX, I had not received a mortgage statement, or instructions on how to make a payment. After speaking with a representative, Green Tree insisted that I pay a {$12.00} fee for making a payment over the phone or through their website. My previous mortgage company XXXX Bank allowed automatic payments through their website for free. 

Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company and informed them the debt did not belong to me it belong to   XXXX   other family member who shared an account with me. the debt belongs to them I have disputed this numerous times including the other family members SSN and information. They are also reporting the account as opened in 2017. Please see pages 18 and 33.

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 10/25/2017 about Debt collection (Medical debt) with AFNI INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown bill, tried to reach out and request validation and nothing received, please help

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for 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