milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, on Saturday at XXXX, I talked to a Charles Schwab customer service representative. I called to see why my check card could not be activated by phone. After answering all the identity questions from this representative ( address, social security number, and finally drivers license number ) she looked into my accounts. What had happened was that a card from an old account that I closed had been sent and this is why I could not activate it. After my question was answered, this rep proceeded to ask me if I was employed, what colleges I have attended, and what jobs I had worked at. Then she asked if I were going on vacation! I actually thought she was going to ask me what my net worth was! She then proceeded to insult me and say 'I do n't know why you are activating a check card with only this amount of money in your account '. My friend dealt with either this same woman or one like her 2 years ago. He contacted Charles Schwab with a question concerning his account. She asked him why he was withdrawing money from his account and THEN asked him what he was doing with it!! And 2 years ago, after the way he was treated, I decided NOT to use Schwab as my primary bank and closed ALL my accounts except for XXXX checking and brokerage account. Today XXXX/XXXX/2016 I closed the last remaining accounts. 
I complained to Charles Schwab customer service by their online email. I received a response that basically stated that someone would call me. On XXXX/XXXX/2016 a male, who did not give his name, called me and claimed he had listen to the tape concerning the incident in question and said this was further verification for my identity, which is a lie. HE DID NOT LISTEN TO THE TAPE because he would have known that my identity had been verified and the female rep immediately pulled up my account information. This guy was raising his voice at me and justifying what this female customer service representative was asking. I had to yell at him to be quiet because I could not get a word in edge-wise and finally hung up on him and he was still with a raised voice yapping away. My identity was already verified and she was just being nosy. Charles Schwab never knew where I worked or what colleges I attended so this information was not used to verify anything. A nosy customer service representative could easily be tempted to commit fraud or theft with account holders. They are deceptively obtaining information, data mining, in the guise of the verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. 
My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. 
The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. 
Please feel free to contact me.

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 05-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.

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 EQUIFAX, INC. (CO).
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: in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 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: Information belongs to someone else

Complaint: cra violation and hippa inaccurate information id theft victim 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 explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from XXXX XXXX, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Portfolio Recovery Associates, added a collections account to my credit report AFTER complaining to Consumer Financial Protection Bureau regarding their deceptive debt collection practices. In retaliation, Portfolio Recovery Associates added a collections account to my credit report without verifying the account. In addition, I was explicitly told that a lawsuit was pending if I did n't pay the debt immediately which was a lie. Furthermore, Portfolio Recovery Associates misled me by consenting to receive auto-dialed cell phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Medical) with Medical-Commercial Audit Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt has been paid

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with Eagle Accounts Group, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My doctors office turned me over to collections in XXXX ( Eagle Accounts ). I made a payment in full upon finding out to Eagle Accounts. When visiting the doctor previous appointments I paid my copay and I was not told I even had another balance. I paid Eagle Accounts XXXX/XXXX/2016 in full and as of XXXX/XXXX/2016 they had yet to report payment or send payment to my doctors office in which I was told when trying to make an appointment that my account had been terminated due to non payment. I sent the doctors office proof of payment and I am waiting for Eagle Accounts to confirm. It has been 7 months and this has not been resolved on my credit report or doctors office.

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2016 XXXX placed a hard inquiry on my XXXX  Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts. On XXXX XXXX, 2016 XXXX placed a hard inquiry on my XXXX Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts.

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 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. 
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax via telephone, fax and certified mail. Stating to them that several of the inquiries on my report were not authorized by me. I started my disputes with them in XX/XX/2017. I have even received letters from several of the disputing companies, stating that they did have my permission to authorize the inquiries and they stated that they would have them removed from my credit file. I have explained this to equifax reps and they still refuse to take them off my credit file. 

I recently spoke with a equifax rep and she tried to walk me through entering an online dispute so that I could instantly upload my docs. After SEVERAL attempts, the upload page would not come up ( this puzzled the rep and she stated she do n't know why that page was n't working ). It would n't come up for me or her! I tried again today and that page still wo n't come up. I have been trying to fax them again for the last two weeks and my fax 's keep getting rejected. I am tired of begging them to remove these items from my credit ... I simply want the unauthorized items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My social security card was lost and my number was used to open up a line of service with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Shopping for a loan or lease

Complaint: Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / XXXX / TransUnion XX/XX/2017 RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.

Company response to consumer: Closed with explanation