milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX FACTACT FREE DISC XXXX XXXX Capital One For the record Im beginning to sound like a broken record repeating myself. Seems to me no XXXX but a computer is hearing my situation. Ive contacted you several times asking for verification steps that the creditor and the credit bureau took in order to accurately ensure that it is in fact mine and not a fraudulent inquiry? I received several XXXX and bogus message with no actual answer and I know by law according to Section XXXX in the FCRA it clearly reads that the creditor nor the credit bureau can not attempt to place any new credit account or credit inquiry onto a consumers credit profile without consent and accurately verifying. Now that I have copies and record of you consistently ignoring my letters, messages, and breaking several laws in the FCRA Im am now determined confident and ready to take legal matters against the creditor and credit bureau. I am not allowing no time to respond back to this matter. You had to much time to respond but you decided to disrespectfully ignore my letters, email, and everything else. Im more than delighted to take this matter to XXXX XXXX XXXX XXXX XXXX and prove that the inquiries are fraudulent, an error and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I went to 8 sessions of XXXX XXXX in XX/XX/XXXX after my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX MI, submitted my visits to my insurance company and assured me I would receive a bill from him for the uncovered amount. 
Fast forward 2.75 years and in XX/XX/XXXX, I receive a " final collections '' notice from Transworld Systems, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX for {$510.00}. I have had impeccable credit for my whole adult life, and now it has been sullied because of this. I check my mail every day, so it 's not like I missed an invoice or something. I am very discouraged, but it does look like my insurance did n't cover this portion so I will pay it just to get my credit back in shape.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and Transunion is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX 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 06-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I settled XXXX law suits with Portfolio Recovery ( PR ) PR was reporting open collections XXXX XXXX XXXX XXXX XXXX Although these accounts have been settled in full PR is continuing to report XXXX collections as open to XXXX. I called PR several times and was told, send a credit report to verify this, your problem is with XXXX file a complaint we do not know who the CFPB is. Essentially they used abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I reserved a car on my daughter and so n't behalf through XXXX for pick up at XXXX for XXXX XXXX. My reservation was for an economy XXXX or XXXX door XXXX XXXX or similar. Total cost was {$140.00} plus taxes and fees of {$79.00} ( all inclusive ) for a total cost of {$220.00}. 

My daughter arrived at XXXX on XXXX XXXX around XXXX and was told there was no economy car available but she could be upgraded to the next level auto at NO charge. She asked THREE times for the agent to confirm that she would not be charged any additional fees for the upgrade, extra insurance, etc. She assured her there would be no additional charges of that kind. She reviewed the screen she was presented, which showed the charge of {$220.00}, and signed a signature pad. 

The next day, she stopped at a XXXX in XXXX, IL to exchange the car. There was a problem with the fuel system/engine. It had taken half a tank of gas to drive from XXXX to XXXX, IL ... a distance of about XXXX miles. The car also had the distinct odor of XXXX. She signed an agreement for the exchanged car. 

She arrived promptly on XXXX XXXX to return the car to XXXX at XXXX. It was on time, there was no damage, and the gas tank was full. At drop off, the agent swiped my son 's Citibank MC on a mobile device. ( He is an authorized user on my account ) When they got to the terminal, they reviewed the paperwork and noticed the price difference between the original reservation and what they were charged. They were charged {$230.00} for the rental and {$110.00} in taxes and fees for a total of {$340.00}. 

I called XXXX but was told the upgrade was authorized. IT WAS NOT. It is clear that the screen my daughter was shown did NOT include the upgrade charges -- which again, she was told would be FREE. Either the screen had not been updated prior to her signing or the agent changed the contract after she signed. 

I contacted Citibank to dispute the price difference of {$120.00}. Citibank received a copy of the contract from that rental. The contract was unsigned. I asked for a copy of the charge slip my son signed, authorizing the charge, but Citibank refuses to produce it. 

Citibank states that the unsigned contract sent to them by XXXX is proof enough of authorization. I maintain it is not and want my account credited the overcharged amount of {$120.00}.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Reliant Capital Solutions, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CBE Group, on behalf of XXXX. 

CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. 

I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. 

Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Deposits and withdrawals

Complaint: I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 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: INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I logged into my Bank of America checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from BoA however I do call BoA just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to BoA Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that BoA has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling BoA Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my BoA account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since BoA held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens 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 06/26/2015 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Problems when you are unable to pay

Complaint: My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Making/receiving payments, sending money

Complaint: My partners and I have a Wells Fargo business checking account that we mobile deposited {$3300.00} into on XXXX/XXXX/2016. The check was from a vendor who 's account is with XXXX here in XXXX. A few days later the funds were pulled out of the account and we were told that the check and been flagged for an inconsistency with the vendor 's signature. After inquiring with the vendor we learned that they never received the funds back from Wells Fargo and thus could not reissue the check. Following this we were also unable to locate the original physical check. Wells Fargo proceeded to open an internal inquiry into what happened and discovered that the check had been deposited somehow at a XXXX. No one within the business possesses an account at XXXX or presented the check at any location. This is the only information we have been able to get and Wells Fargo, XXXX, and XXXX all claim an inability to take any further action to help us recover our funds. Our local branch manager at Wells Fargo is highly unresponsive and what information/assistance we have been able to get has been limited. An individual was able to fraudulently deposit or cash in our check without matching ID or any real 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 12-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This is concerning the property located at XXXX XXXX XXXX, XXXX, TX XXXX. The property has been vacant for more than 18 months and is having a negative affect on the surrounding properties and the XXXX finances. We believe the mortgage company is delaying their foreclosure in an effort to take responsibility for the property including maintenance and paying HOA dues. We are also concerned that this obviously vacant house is becoming a location for elicit activities causing great concerns to neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Credit determination

Complaint: I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
My mother, who has XXXX and lives in an XXXX, was NOT involved in any part of this process. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disturbed that TranUnion and XXXX  are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.

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 11-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed XXXX. I have repaid over XXXX. They still say I owe over the amount I borrowed. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.

Company response to consumer: Closed with explanation