milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX / XXXX /   17  Hi, my name is  XXXX   XXXX . My Capital one 360 checking account has failed to send  XXXX   ( App )  my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem.

I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. 

Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX  and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.

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 10-02-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems when you are unable to pay

Complaint: I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Interest and payments are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Privacy

Complaint: I have had a Bank of America Better Rewards Credit Card with Bank of America for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Bank of America 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Bank of America. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a 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 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has been my carrier for over 7 years this is not my account and seems XXXX has falsely account in my name.

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 09-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit line increase/decrease

Complaint: I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.

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 03-08-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back immediately?

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 07/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Customer service / Customer relations

Complaint: Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. 

My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 
2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. 

The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Express recovery has sent a {$15.00} collection to the credit bureaus. I called the creditor listed and I was told they dont show I have any outstanding debt with them. I called espress recovery and the woman was curt with me and told me if I dont owe it it will eventually show paid but will not come off my credit reports. I tried to tell her this is some kind of mistake. She would not help me. I called XXXX XXXX again who again said they dont show anything outstanding and it shpould fall off soon. It has been a month and it is still there

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 07-02-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Credence Resource Management, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, 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 explanation