milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Deposits and withdrawals

Complaint: CaptialOne reordered transactions on my account such that automatic deductions would post before my direct deposit from my employer, resulting in an overdraft fee at XXXX %. Both the direct deposit and automatic deduction posted on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Auto) with TMX Finance LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way. 

The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.

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 02/20/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy in XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX who stated they are not reporting anything negative and according to their records my balance is zero. A collection company stated they brought the account from XXXX XXXX and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with Portfolio Recovery or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX shows only on XXXX with a XXXX closed account balance. 
account was open over 5 years ago. The information of having a XXXX XXXX account XX/XX/XXXX is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 
Please remove information from my credit file. ( Experian, XXXX XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

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 06/21/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Taking out the loan or lease

Complaint: I turned over my lease three months in a impeccable condition on XXXX, XXXX 2016. I got acknoledgement from dealer with odometer statement. I always paid my lease payment on time without even a single day being late for last three years. I returned car to dealer and leased another similar vehicle. The lease was with US Bank and made a call to them and understood the lease remaining four months {$850.00} to be paid. I paid to the dealer and dealer sent payment of {$1000.00} to the bank. Bank sent me a letter on XXXX/XXXX/2016 about additional money. The car was very clean and less mileage than contracted and kept the car with them for a month since I turned it over. They are still demanding additional {$200.00} to be paid. There was late payment of {$25.00} as additional where as I never missed a single payment even by one day. Its the bank that took almost two months to send me the ivoice after I turned the lease in with dealer on XXXX, XXXX 2016. This kind of untrusted and greed behaviour causing me lot of anxiety. We need some protection to make sure lease turning in should be as per process and within stipulated time. Not to wait after a month and half and sending additional extraction of money.

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 05-03-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovative Collections, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified this company, and have gave them signed affidavit, advising them that this is not my account.

Company response to consumer: Untimely response
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX, XXXX at XXXX am I was contacted by a person saying they were calling from Comenity bank from a blocked number. I believe she said her name was XXXX. I had to ask 3 times what company was calling. She just kept calling me by name. She never verified that I was who she thought I was. She then discussed my personal information about the debt not even bothering to identify me. She also did not disclose that the call was either monitored or recorded if it was. I ended the call. I was called 4+ times that day after I had made contact with her that morning. These people call me sometimes in excess of 16 times a day. I have also received messages that I felt threatened by. Since these people are saying that they are the original creditor is there anything I can do to stop this harrassment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with Alliance Data Card Services (NC).
Issue: Balance transfer

Complaint: Total Rewards Visa Card Keep Applying My Payments Late and It Takes 3 to 4 Weeks To Post My Payment So They Can To Get Late Charges

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: TransUnion is refusing to remove unauthorized inquiries on my report! I called several times to get this corrected and have had no success. In my most recent call on XXXX ; i spoke with a supervisor name XXXX who was very RUDE and informed that nothing can be done and there is no dispute process for inquiries and that inquiries are facts. Per FCRA, the only permissible purpose to pull ones credit is for a firm offer of credit, insurance, employment, or court order. Neither of these reasonings apply for the inquiries that i am referring to! They are reporting inaccurate information and is refusing to remove it from my 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