milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NY).
Issue: Fraud or scam

Complaint: I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2016 about Debt collection (Credit card) with FMS Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It was a credit card my wife had in XXXX with Chase Bank before marriage and it was discharged in XXXX before marriage. My name was never on the credit card nor was I a guarantor. This debt collector brought the debt and say I now owe it. I do not know how this debt collector got my social security number and have filed a judgement under my name directly. They filed court papers as Community Property, but then under the Judgement Information Statement it did not state Community, it listed my name only. This has really burden me because it went on my credit report and cause me not to be able to refinance. I had n't check my credit report in a long time so did not realize this was in my name. I have disputed it with the credit bureaus and they have deleted it off my credit report. I have called this debt collector to get a release of judgement from my name and my property and XXXX said no. I asked him how to get this out of my name and the lien off my property and he laughed and said " you want me to tell you how to not pay me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They contacted a family member in regards to a outstanding bill to a number not associated on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted an inquiry with Equifax on XX/XX/2018. Case # XXXX. 

The inquiry was regarding a recent, sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX  had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe, how long I've owed it, no new accounts, no recently closed accounts, no change in the number of accounts, no changed in payments, late payments, or missed payments, no recent hard inquires, no changes in types of credit accounts, no changes in derogatory remarks. My credit report had not changed at all since Equifax had reported my score prior to XX/XX/XXXX. 

In my inquiry, I asked them to investigate why there was a sudden, erroneous drop in my credit score. Equifax made no attempt to investigate. Instead I received a stock response email followed immediately by another email closing my case. Per that email, Equifax stated : " If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. '' I responded to the email the same day asking for them to investigate my account and my case. I was immediately sent sent another email closing my case. Again, Equifax state in the email : If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. ". I emailed them yet again asking for them to investigate. I have yet to receive a response. It has been 16 days from my last correspondence. 

Equifax made no attempt to investigate my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Credit card) with The CBE Group, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2018 about Debt collection (Auto debt) with HEAD MERCANTILE CO., INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX dollars reported owed to company

Company public response: Company disputes the facts presented in the complaint
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 Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX, XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, &XX/XX/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
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened up a  BB & T  account on    XX/XX/2017 .   I received my card on  XX/XXX/2017 .   I made my opening deposit on   XX/XX/2017     of {$50.00}.   I made 3  XXXX  transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on   XX/XX/17     my mobile deposit was supposed to be made available then I was told by  XXXX  it would be available. Around  XXXX  I noticed my account was over drawn  XXXX  When I called they said it was a problem with my mobile deposit so I then asked what?   A  manager  told me he is n't sure but my accountant with be back in the positive by  XXXX  I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around  XXXX  my account had an available balance of  XXXX  So I went to go attempt to pay my bill that is past due and my card declined.   I called  BB & T  and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation.   When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The  BB & T m anager I spoke with assured my account was fine and he would wave all fees.     I
personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.

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 05-04-2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Home equity loan or line of credit) with Seterus, Inc. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: APR or interest rate

Complaint: I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Customer service / Customer relations

Complaint: A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. 
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation