milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The message said for me to file a mew report due to unable .Dont know why >???

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 03-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing/Cancelling account

Complaint: I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Medical) with Hauge Associates, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Credit card) with National Credit Adjusters, LLC (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They call multiple times even when told not to call, when they call they always have someone else call and say they are from a different department, they get loud over the phone and very rude, threatened to take money from my bank and work even though I had n't received any paper work on a court issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In trying to resolve another incident, whereby Navy Federal Credit Union told me they would make a soft inquiry on my credit report and then instead made a hard inquiry, Navy Federal Credit Union emailed me a copy of XXXX XXXX XXXX 's XXXX card number. 

The unauthorized use of my credit report is captured in CFPB incident : XXXX. 

I 'm creating this incident to reflect that XXXX sent me someone else 's credit card information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Capital One is reporting on my XXXX Report that the account was closed with a Balance Due ( {$4600.00} ). The balance was paid in full several months ago, but they are still reporting it is due. Account was closed by Capital One about two weeks ago. I contacted Capital One and they agreed there was a XXXX balance, and said the error is with XXXX. I contacted XXXX, and they said that the error is with Capital one. No one wants to accept blame and they are point fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Debt collection (I do not know) with Allied Interstate LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2015 I received a letter from Allied Interstate LLC stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XX/XX/2015 for a request for Validation of Account. As of XX/XX/2015 I have not received a response for validation.

XXXX called me on XX/XX/2015, in an attempt to collect debt concerning XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from XXXX, yesterday I received an alert from my credit monitoring and XXXX has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX with Experian for over a month. Experian will not let me dispute it anymore even though they are reporting that I have an unpaid balance for XXXX of {$320.00} and this has been paid. I just want the report to read correctly or to delete XXXX since it has been paid. 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 explanation
Consumer complaint received 11/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was fraudulently charged a subscription fee {$4.00} for a service or product I never ordered.
I phone my credit card company because of unauthorized charges I found. I was advised to close that account due to possible identity theft. and I agreed and to get another card reissued.
In concert with that re-issue, the call center for Capital One GM Card credit cards submitted an unauthorized subscription for :  XXXX  '' I do not know what this is.
I called  XXXX  at the number on my statement  XXXX  IL, on  XXXX / XXXX /2017 and spoke with "  XXXX  '' and then to a Supervisor "  XXXX  '' to have the unauthorized charge removed and they refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is 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 monetary relief
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are in foreclosure with a TS sale date. I contacted Wells Fargo bank on XXXX2016 to request a modification and was forwarded to their home preservation department. The representative informed me that they have to transfer me to their RE-ENTRY department because of the upcoming sale date to apply for a modification. We faxed in the documents that they provided which was a form called UNIFORM BORROWER ASSISTANCE FORM. I faxed in the form along with all required documents that same day. I called later that day to confirm that they did receive our documents and they had. I called the following day only to be told, that the form that we had completed was the wrong form and that the investor for my property requires a MAKING HOME AFFORDABLE ( RMA ) form. We faxed the new documents in on XXXX XXXX, 2016. They informed me that in the Re-Entry department that it goes through a 1st level and then a 2nd level review. I called daily for a status and continue to get the run around. We sent in a utility bill in my husbands name and then when I called for a status then they wanted a utility bill in my name. The bill that I sent in my name had my XXXX XXXX on it but the service address was to my house. They did n't except that. So on XXXX/XXXX/2016 I spoke to a supervisor about sending in a monthly car insurance bill with my name and my husbands name on it, he approved it. When I spoke to them on XXXX/XXXX/2016, I mentioned the CFPB and the California Bill of Rights and stated that because it 's in review that they must postpone the sale date, it was then that they informed me that we are not in an active modification review. They must complete the review in the Re- Entry department and then send it to the home preservation department for review. When I spoke to them on Saturday morning XXXX/XXXX/16, they said that the insurance proof was an issue again. I spoke to another supervisor about it and she said that she will send the first supervisor who approved it and get confirmation from him because it 's not in his notes. It is one stall after another. They are trying to still our house.

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 12-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery continues to contact me and my parents from multiple numbers at all times of the day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Auto debt) with Kohn Law Firm S.C. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I guess Kohn law firm does not understand that just because something is mailed means that it gets to the person it is intended. They claim they mailed notice of taking over a debt collection yet they did not mail it to me so that I had to sign for it, meaning it would have been given more attention with usps. I NEVER received their notification, contrary to their statements otherwise. As such, I have the right to have the debt that kohn is collecting to be validated, yet they claim that as they sent the notification I have lost my right to that! Sick of dealing with a collection agency that does n't even have the right to be collecting this debt as the wording on my original note does not give the bank we dealt with to sell or give the note to third parties to collect!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: I have once again fallen victim to corporate greed in this country. As a college student I feel very vulnerable to banking institutions tactics to create overdraft fees among many low income citizens. The impact of such irresponsible behavior by this institutions spreads in every aspect of my daily life in the most pervasive manner. I struggle to meet ends meet and being in a university, as it is widely known does not come cheap. Every dollar counts and I intend to make every hard earned dollar go towards my education. Not to make banks richer nor become a source of unjustifiable profit. I have no trouble paying my bank the fair fees for the fair usage of their services. Unfortunately overdraft fees do not fall into that category, especially when they are created by corporate tactics with the specific purpose of creating such fees by manipulating timezones limits on deposits. I always get paid after XXXX MST which is a reasonable time to get paid by every standard. I just see no reason whatsoever why banks can not accept deposit made before XXXX XXXX to be processed as a same day transactions. There is no logical conclusion in this time and age when information is available instantaneously, other than authority to impose such restrictions in order to gain profit from a certain portion of the population that work during the night shifts. We have to create awareness that it should be up to us, the consumers and not some financial institutions that " are too big to fail '', to determine our economic future ; by the sweat of our labor and our conviction to pursuit financial growth that will help us reach economic freedom. I am very frustrated citizen and I am looking for alternative ways to manage my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I an entry on my XXXX  Credit Report about a {$250.00} debt to HSBC ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Lates were reported on my credit report while I was under bankruptcy. The lates were reported XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation