milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: OnXX/XX/XXXX, I applied for a XXXX Capital One student card and was approved. I applied for the card to help improve my credit. I received he card around the middle on XXXX (  later to find out it was about XX/XX/XXXX. ) I used the card for several transactions during the holidays. I logged on online to the account about 2 weeks after getting the card. I had a few issues with the one navigation using my phone and then forgot about the card. 

About XXXX I got really sick and had the XXXX followed by XXXX XXXX. Today, XX/XX/XXXX I was going through my bills and making sure everything is paid and realized, Ive never gotten a bill or anything for my new credit card, not even a phone call. 

I checked my credit report and to my shock see that they reported me as late and over the limit. This dropped my credit score by almost 100 points. The point of the card was to help my credit. I had intended to pay half my balance as soon as I got my bill. 

I called Capital One, they said they do not send bills or reminders or make calls if youre late. I was very surprised and sad to hear this. I asked if they could do anything to help my credit and they said no, sorry but its your fault. I wanted to make a payment and have the late payment removed and asked about a credit increase so it didnt affect my credit negatively and again was told there is nothing they can do but give me a onetime credit for the late fee. I think this is unfair business tactics and is not right. 

I had the card about 5 days when the first bill was issued. I honestly thought the bill would come in XXXX with a grace period to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I receive a credit card from  XXXX   XXXX  Bank on  XXXX    XXXX ,2017  and the company reported the credit card on my credit report within 5 days of receiving the card which is  XXXX   XXXX ,2017. This company did not give me the opportunity to pay down my usage amount before reporting to the credit bureau. I  Thought financial institutes allow you thirty days to pay for your depth before reporting to the credit bureau. I also did not receive a statement from this company yet because it 's to soon to release a statement, but they release my information to the credit bureau without notification.

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 09-12-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GC Services Limited Partnership (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: One   XXXX   XXXX ,  2017  G  C Services repo rted an unpaid account to my   XXXX   and   XXXX   credit reports. G C Services does not have a license to collect a debt in the State of GA. They are violating my rights per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Billing disputes

Complaint: This issue is that the subsidiary collection agencies for XXXX continue to report on an old account that I have full paid and XXXX shows the account as being fully paid, but their XXXX-party collection agencies continue to report causing a negative reflection on my credit report. Every six months I have to resubmit the payoff letter to clear it off. It is cleared but then keeps reappearing. I need this cleared off my credit report and to stop all further collection and reporting on this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Last year while searching for an apartment in XXXX XXXX, it came to my attention that on my credit report TransUnion XXXX XXXX XXXX had XXXX evictions on my report. After contacting Transunion, they told me that I needed to contact XXXX XXXX XXXX XXXX XXXX XXXX. Which I did. After speaking with a gentleman named XXXX, I learned that my name was included in eviction paperwork that was filed, and then was withdrawn. During that time, my mother and her previous landlord settled an issue in civil court. This also showed up on my credit report as an eviction. My attorney told me that the information should not have been on my credit report, nor should it have shown up as XXXX evictions. He also stated that because it was a civil matter, that the credit company should n't have had access to the information. 

I sent the credit bureau several documents which included copies of the release of the case and the withdrawal which included the landlords signature. After submitting my documents and waiting for their response TranUnion, sent me this response : " The eviction filings and judgments information included in the report provided to XXXX XXXX XXXX on XXXX/XXXX/2016 was derived from public records from the Housing Session Court. Based upon our investigation we have confirmed that this information is accurate as a dismissal. " I asked the Transunion to remove the evictions on my report last year in a letter stating that they were not evictions. It is now a year later and I am seeking to rent another apartment in XXXX XXXX and these same evictions are coming up on my record and preventing me from moving forward with my search. 

This morning I called TranUnion and they told me they were indeed dismissals and would open another dispute claim to find out why there not removed last year. My lease is up in less than a month and I need to move. I am seeking your assistance in this matter, because alone I have not been able to get my credit report amended.

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 12-10-2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (PA).
Issue: Making/receiving payments, sending money

Complaint: I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Payday loan () with CURO Intermediate Holdings (OR).
Issue: Charged fees or interest I didn't expect

Complaint: I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day

Company response to consumer: Closed
Consumer complaint received 10/16/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: We are on Day 5 of no access to our accounts with Rushcard. My husband 's XXXX direct deposit is not in his account. We can not speak with anyone, we can not get a text balance and we are locked out of our accounts. Rushcard has had five days to fix this and no one is getting satisfaction. I 'm sure this is illegal and I hope there is something that can be done. Quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with The CBE Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had debt that started in 2015 and I disputed it with company because it was paid. Than I received another debt collection call around the same price. I kept asking CBE company to give me the account number and company and they didn't. I asked if I could call them back and give them my information and they said that was fine, but every time I called they put me on hold and than disconnect or a recording would tell me to call back as their reps. were busy. A few weeks later the amount is on my credit report without trying to pay it or discussing it with that debt collector. If it is the same debt I already paid than that doesn't seem fair. That debt to a company was also from identity debt from a tenant that moved into one of my homes I had leased. I filed a complained, but ended up paying the debt to avoid it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.

Company response to consumer: Closed
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I wrote to Experian, XXXX and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.

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 ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with JPMORGAN CHASE & CO. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I traded in 2013 XXXX XXXX that was financed with Chase to XXXX XXXX XXXX. XXXX XXXX XXXX bought the XXXX from me in XXXX and sent payment to Chase Finance for the payoff amount. However, Chase continued to contract me about payment, even though I no longer had possession of the vehicle and did not own it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Great American Finance Co (IL).
Issue: Struggling to pay your loan

Complaint: my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. 

the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. 

Their actions are not justified, and a wage assignment should be a last effort to have it initiated. 

My account was not even 30 days late and was satisfied. This a predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: This issue revolves around servicing transfer of my mortgage loan from XXXX XXXX XXXX ( XXXX ) to Ditech Financial in XXXX 2016, and the misapplication of a loan payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: I 've disputed XXXX XXXX XXXX on my credit report even sent in the police report and they still wo n't remove because I showed them it was fraudulent charges on the account and the account information was 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
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: Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. 

Now duplicate reporting with collection agency showing Open Credit on C/R

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief