milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Mortgage (FHA mortgage) with Podium Mortgage Capital LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX continues to block my dispute of the account listed on my report as National Credit Systems account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and XXXX will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If XXXX  really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I received an email from Capital One stating that my new chip card will shortly arrive ( see attached email ). However, the email listed the incorrect ending card number than what my actual debit card that should be replaced. Upon receiving my new chip card replacing my current debit card, I contacted Capital One by phone and spoke to a representative to activate my chip card. As stated in the attached email that I received, my old debit card should have been deactivated once the chip card was activated. I was notified that my old debit card was used when I placed a recurring order with a vendor, the charges went through and were deducted from my bank account. I contacted Capital One ( XXXX ) on XXXX/XXXX/15, she was unable to verify the card number associated with the attached email. Additionally, she stated that the representative that activated my chip card probably did not deactivate my old debit card. In summary, it concerns me that Capital One sends me correspondence ( see attached ) that does not reflect my correct debit card information and they do not follow their own policy to deactivate debit cards that have been replaced. There is no validation to their card issuance/deactivation process, thereby enabling cards that should be deactivated to remain open and putting consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/2018, I once again attempted to complete a Transunion Fraud Alert online and once again was told " We are unable to complete your request. We are unable to confirm your identity with the information provided. '' This has happened every 90 days I have attempted to reup my fraud alert and Transunion has made no attempt to fix my identity information or offer me any instructions to fix my identity information. I am instructed to call into a line operated by a robot and forced to listen to multiple ads and opt out of paid credit monitoring. Transunion continues to waste my time with these ads and will not fix my identity information. I worry that I will accidentally accept the credit monitoring one day even though I have no intentions of ever doing so. I wish Transunion will fix my identity information so I can request the fraud alert online and not have to listen to the ads on the phone requiring me to opt out of Transunion paid services.

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 02/22/2017 about Credit card () with WELLS FARGO & COMPANY (OK).
Issue: Customer service / Customer relations

Complaint: Let me start by stating my wife and I have been exceptional Wells Fargo customers for XXXX years and have had this credit card right at XXXX years. Following my recent complaint I filed on XX/XX/2017 case number XXXX, which a response is now several days past due, I chose not to close this account due to the negative impact it could have on my credit score. In the past 30 days, I have paid {$10000.00} to Wells Fargo to pay the previous balance in-full. Today, my wife called Wells Fargo to pay the current balance in-full and was told by a representative that there are notes on our account that I gave the representative on XX/XX/2017 the wrong account number and that is was my fault. She was then advised that our account was flagged that they could not accept payments by phone from us any longer. She demanded to speak with a manager, because of how ludicrous this seemed and was told the same thing. The manager told my wife that they have notes that prove I left off a number when paying by phone on XX/XX/2017 and that we would have to mail our payment to them. My wife expressed her absolute dissatisfaction and displeasure with this obvious discrimination towards us. She said she does not have time to mail the payment and if they looked at our history, we have never mailed in a payment and have always either paid by phone or online. My wife told the manager that we might just payoff the balance and close the account, based on the terrible experience we have had lately with Wells Fargo. My wife told the manager she was speaking with that we have a linked account on file we use for payments and advised it was an error on Wells Fargo, which caused the payment to return due to no account found, not NSF. She could never get a legitimate or justified reason we were no longer allowed to pay by phone. This is complete discrimination and retaliatory, because of the first CFPB complaint filed. This is also considered a fair banking violation, because we are being treated differently than other customers. Is it a normal practice to not allow customers the option to pay by phone if a previous payment returned " no account found? '' Is it a normal practice to not allow a customer to pay by phone, following a CFPB complaint being filed about the lack of service received and a UDAAP violation? Wells Fargo is really doing a great job of ensuring we will never be customers again. It 's sad that even with the recent bad publicity Wells Fargo has received, that they are still lacking at providing excellent customer service, especially to long-standing customers.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: improper use of credit. inquiries were pulled without my authorization

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 01-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My wife died of XXXX in XXXX XXXX at XXXX yrs. I was XXXX with a XXXX yr. old daughter. I filed for chapter XXXX bankruptcy. In XXXX XXXX I went back to court in XXXX to have this dismissed. It was reported on XXXX XXXX. I never went through with the bankruptcy. I have been in contact with all XXXX of the bureaus the past couple of years. XXXX of them have removed it from my credit report. Equifax has not. I have good credit with XXXX XXXX, XXXX and XXXX XXXX. I have had XXXX car loans paid in full. I went to buy a new XXXX on XXXX XXXX. There was a promotion with XXXX XXXX for money back plus first XXXX payments paid by XXXX. The manager said I was denied because I had a bankruptcy. I was denied a XXXX card because my credit report reads I had a bankruptcy. I called Equifax again and was told that bankruptcy shows on a credit report for 10 years. I spoke with a supervisor who was nasty and said, : they do n't care : On the XXXX situation I lost out on approximately {$2400.00}. I filled for bankruptcy in a weak time of my life and I should not have to suffer for something I never went through with. The attitude of the Equifax employees just makes it worse. Can someone please help me this this? Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I have reported fraudulent activity and a case of stolen identity to these financial institutes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful 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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The inquires on my XXXX credit report do not belong to 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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

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 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed information in error. Credit Inquries : FCRA states that the only permisable purpose for pulling someone 's credit is a ' firm offer of credit b ) insurance c ) employment or d ) court order.The following inquiries are related to none of the aforementiond permissable purposes : XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. I have written letters and been calling for a few months and told them I did not authorize these inquiries. The responded via mail stating that were not going to do anything about it. I have been hung up on several times by their customer service even though I was nothing short of nice and professional.

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 11/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have purchases on my credit card from a trip I made to XXXX, XXXX back in XXXX of XXXX. I reported the problems to Wells Fargo immediately and they cancelled my credit card and sent me a new one. They credited me for the charges after I reported them as fraud. Within XXXX weeks, they charged me back for those transactions and told me that the chip was used on the card. I know that I did not use the card for those purchases. In fact, one of the businesses called " XXXX XXXX '' is not a " real '' business. They have no store front and I ca n't find them on the web. Wells Fargo has not been able to tell me who they are or how to reach them. Here are the purchases shown on my VISA that I did not make : XXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX {$72.00} XXXX XXXX Since XXXX, I have been back and forth with the Wells Fargo Fraud Department, the Dispute Department, and the Executive Team. I have talked to over 10+ agents between those departments and no one has done anything to assist me. Honestly, I do not believe that they chip was used but that is what they are telling me. I asked them to prove that to me but they have n't. In addition, I asked Wells Fargo to contact the merchants to give us copies of the receipts. They told me that process takes 30 days and we conducted that " process '' during the time period of XXXX XXXX to XXXX XXXX and the merchants did not respond to Wells Fargo attempts. After that 30 day process, Wells Fargo told me that I could enter into an arbitration period. However, everyone I talk to now tells me that " if '' the chip was used ... .and the merchant does n't respond to Wells Fargo 's requests for a receipt, then the customer is still responsible for the charges. They are not willing to allow me to enter an arbitration process. I do n't know what to do but feel as though I need to hire an attorney to represent me as Wells Fargo does n't care about me or my problem and has wasted a lot of my time between calls to find someone there that can help me. I did not make these purchases ... .nor do I believe that my credit card was swiped at these businesses. In addition, the 2 merchants did not respond to Wells Fargo and no one has shown me any receipts of the transactions. In the meantime, Wells Fargo is continuing to bill me for these purchases AND bill me interest for them as well. I need to understand my rights and what steps I need to take now as I 'm not getting anywhere with Wells Fargo at this point. Please let me know what I can do to help myself as Wells Fargo is not offering me any assistance at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation