milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing the fraud information and sending in all the information requested and nothing has been done. I have sent in all the information more then enough times, and the company keeps sending me the same message asking me the same things over again. I have been treated rudely by the wokers about this matter. I have paid off all of my debt in 2013 with a home loan and should not have anything negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Back around  XXXX  of  XXXX , I learned that I had an account with  XXXX   XXXX   XXXX     XXXX  for which {$300.00} was due. I understand that   XXXX   XXXX   placed the account for collection with  Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies.     I contacted   XXXX   XXXX   directly, explained I did not get any final bill or other notification, and paid   XXXX   XXXX   the {$300.00} they said was due.   XXXX   XXXX    said they could contact  CPA and in struct them to delete the tradelin e CPA had   previously reported, not just mark it as paid.     As of  XXXX   XXXX ,  XXXX , the tradeline is still being reported to the major credit bureaus, such as  XXXX  and  XXXX   XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.

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 02/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Initiated a Bank of America money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their " Move Money '' Department that told me the problem was with the receiving bank and that given these " known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # 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 04-12-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (NC).
Issue: Problems when you are unable to pay

Complaint: I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. 

I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. 

I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. 

I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Other

Complaint: Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I tried to get a copy of my credit report on yesterday, and was surprised at what is there that I personally do n't recognize. There are XXXX items without explanation that are not valid I am sure : Credit XXXX XXXX, Washington XXXX XXXX phone no., XXXX XXXX ; Debt recovery XXXX, XXXX merchant XXXX XXXX, NY XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Account XXXX, dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with Credit Plus Inc (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 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: Information belongs to someone else

Complaint: From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX I used my rights to ask Transunion to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information.On this day XXXX/XXXX/XXXX I 'm sending a final warning and it 's about them not providing information to report on my report legally. They did not provide me proof of verification.

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 10-07-2015 about Credit card () with Comerica (CA).
Issue: Credit card protection / Debt protection

Complaint: XXXX XXXX is allowing unatherised transiactoins on my card and when a call them thay do not speak English and are very very very rude and make me wate several days to return my money. what are they doing with my money and why are they aloud to just take my ssd money and keep it for 3 to 10 days befor returning it?. need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Incorrect/missing disclosures or info

Complaint: I have an account with Western Union. I make a transfer every month using their service. I am pretty satisfied with their service. However, something happened this last transaction that bothered me and I feel compelled to submit this complain. 
This is a transfer I make on a monthly basis to XXXX, where I have a business. The money sent is used to make payroll for the local employees. I requested an online transfer on XXXX XXXX, 2016. WU website informed me that the transfer was recorded and on XXXX XXXX they withdrew the money from my bank account in USA. Generally within three days the money is transferred. However this time there was no money transferred and so I contacted WU and an agent told me that everything was fine and that the money will be available on XXXX XXXX in my account. 
I realize there are regulatory compliances to fulfull while transferring money overseas, and accepted their delay as normal. 
Generally Western Union would immediately send me an email confirming the request I have made. Most of the time, it would mention that the transfer is on hold pending investigation. Since I have registered with Western Union and have provided them the reason for the transfers ( which is for expenses in the business ) they advised me to wait a few hours and they would release the funds after the investigation is completed. I would generally receive a confirmation of fund transfer about two hours after I make the transfer. This time though, they did not send me any email and when I contacted them a few days later, told me that everything was okay and that the money will be available on the XXXX in my bank in XXXX. 
On the morning of XXXX XXXX I received an email from that saying that I need to contact them regarding the transfer. After I contacted them, they failed to give me any reason why they did not contact me earlier, or did not tell me that there was a hold on my transfer the week before. 

I would like to get an answer from Western Union why they are refusing to give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to equifaxsecurity2017.com, my credit information was compromised by a security breach of Equifax 's systems. Equifax mishandled my information, which puts me and millions of other people at risk. Equifax did not notify anyone quickly enough and admitted that they will not notify everyone. Three of their executives conveniently sold off personal stock ahead of the announcement of the breach. On  top of that, they used vague fine print to con people into signing away their class action lawsuit rights by signing up for TrustedID, their credit monitoring service. These people hold our ability to buy cars, homes, and other consumer goods in their hands, and they not only failed us, but have used underhanded methods to deflect blame.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not provide secure access to my credit and personal data thru latest reported breach, as well as fraudulently kept info from me as I have not been officially notified

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Had a HELOC that was maturing with PNC Bank. I worked with PNC Bank to renew the HELOC ( place it on an amortized payout ). The process took longer than expected ... the approval was never an issue. Per their instruction I continued to make monthly payments on time. They have a XXXX4 month trial waiting period before the renewal is loaded into their system. Since the HELOC is showing matured in their system ... .they are reporting me ( as of XXXX ) 90 days past due ... even though I continue to make payments per the agreement on time ... I have never been over 30 days late on any debt in the last 20 years. I am a mortgage professional and good credit standing is vital to my license status. This has impeded my ability to borrow money at top tier rates. At last check my score had dropped XXXX points. I tried resolving directly with PNC Bank and with a formal dispute via the XXXX credit reporting agencies. If this formal complaint does not rectify the situation my next option will be to consult legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates for amount of {$1200.00}. I have sent Portfolio Recovery Associates several debt validation and they have not responded and also reporting this collection to all 3 of the credit reporting agency. This collection does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2017 XXXX XXXX XXXX cancelled our contract, closed my account and tranferred the account to another lender with a balance of {$18000.00}. Therefore, by the creditor, cancelling our contract terminated any obligation due by the account holder.

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 10/24/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/17 I received a letter from XXXX XXXX XXXX XXXX stating that I owed XXXX but the name on the account is not my name and would like it deleted off my account

Company response to consumer: Closed with explanation