milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One Bank NA is reporting a XXXX balance on a card that is not mine, the charge is still being reported on my credit report despite the company stating that the account has been removed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Auto debt) with BMW Financial Services NA, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
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As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
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I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
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Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
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I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
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I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. 

I contacted company and they could not tell me any information saying account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.

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 10-11-2015 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Rewards

Complaint: I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. 

I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. 

This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was a customer of online Bank  SIMPLE  for quite some time. Recently, they changed partner banks to  BBVA Compass . I thought transferring to the new partner bank, via SIMPLE 's web site would go smoothly as I was already an existing customer. However, there was a technical issue, which they REFUSED to disclose, which prevented my transition to   BBVA Compass.
SIMPLE instructed me to close my account with the old partner bank and when it was fully closed, to go online and open a new account, which would be with BBVA Compass.
I did that two weeks ago and never heard a thing from SIMPLE, o  nly to call them today to find out that they can not open my account, And, refuse to give a valid reason, other than, " it is a technical issue. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with I.C. System, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.

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 08/26/2015 about Credit card () with U.S. BANCORP (AZ).
Issue: Balance transfer

Complaint: Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to XXXX years '' : " XXXX XXXX XXXX You are here : Finance Blog Home XXXX Credit XXXX FAQ : How Long Does Information Stay on My Credit Report? 
Stay financially savvy with the Equifax Advisor. 
Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report? 
Written by XXXX XXXX on XXXX XXXX, XXXX in Credit | XXXX comments Credit report informationHow long does information stay on my credit report? 
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. 
It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. 
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. 
When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. 
In fact, all information, both positive and negative, is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. 
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX, there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to 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 11-03-2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has continuously called me on two different phones. They call over 3 times a day on each phone. So this would be 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with Loan Science, LLC (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I applied for and received a loan from XXXX XXXX XXXX when I was in college 10 years ago. My loan was later sold to Loan Science. XXXX XXXX XXXX is the servicer of my loan. I have always paid my loan on time and have never had any problems until 2 weeks ago. My aunt, who is the cosigner on my loan, called me and said that Loan Science called her to ask for the payment. I told her I would take care of it. When I got off the phone, I got a phone call from Loan Science saying that I was short on my last payment. It was now 15 days past due. I asked how much and they said a little over {$1.00}, but because I was short that amount when I paid, they also assessed a late fee for another dollar and some change. They were calling me because I now owed them {$2.00}. They explained that they talked to my aunt and she had paid it, but wanted to let me know what my new monthly payment was. It had changed because of a variable interest rate. I thanked her and thought it was over. Then I got another phone 3 days later from Loan Science stating that I was still in default on my loan for the {$2.00}. I explained that I was told it had been paid. She apologized and said they had made a mistake and no payment had been made. I told her I would take care of it and pay through my bank. Since that day I have received 15 more phone calls from Loan Science. This has all been within a 10 day time span. I have never been left a message, they just continue to call until I pick up and ask the same question over and over again. I feel that I am being harassed by Loan Science for a small mistake. I had moved recently and gotten married and in the shuffle had n't had time to update my correct address and name change. I just sent the same amount I always sent every month. I can not stress enough that I am responsible and always pay on time. I think it was absurd the amount of phone calls I received regarding such a small amount of money. When I tried calling XXXX about changing my address the woman who received my call refused to talk to me because she said my account was past due and I had to talk to Loan Science. She rudely cut me off and transferred me to Loan Science who can not help me with name or address changes. They said I would have to call XXXX for that. I finally got XXXX of someone who would help me after Loan Science called XXXX to explain what I was wanting. This boils down to a simple mistake but was treated as a crime and harassed by the many phone calls from Loan Science.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (NJ).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX My wife and I Went to PNC Bank to get a XXXX Mortgage ( commonly known as a Home Equity Loan ). We thought we were getting a XXXX Mortgage ( commonly known as a Home Equity Loan ), but we were given a Home Equity Installment Loan. In XX/XX/XXXX I noticed that this loan was not functioning like a mortgage loan. Since XX/XX/XXXX I have been trying to refinance this loan with PNC Bank but have been denied due to the decrease in our property value due to the housing bubble crisis. PNC advertised the loan as a Home Equity Loan, not a Home Equity Installment Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, 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 11/27/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Wells Fargo fails to fix the erroneous charge off of my student loan and my credit history. Prior to this catastrophe my payment history comprised of seven years of automated payments, which I agreed to at the onset of the loan payment agreement. Wells Fargo erroneously charged off my account two years in a row in XX/XX/XXXX and again in XX/XX/XXXX. The first years charge off took half the year to correct as Wells Fargo repeatedly denied their error. The second charge off remains unresolved.

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 04/19/2015 about Debt collection (Credit card) with RGS Financial, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. 
P.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief