milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 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: On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer fee

Complaint: Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: have disputed with all  XXXX  CRA 's as well as  Capital One Ban k and have sent the m 3  dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify the account on my CR account bein g Capital One Bank  such as a signed application or some supporting documentation to supper why this is negative account is being reported on my credit report. As I 've stated I 've sen t 3 dispute letters asking all   XXXX   bureaus  XXXX ,  XXXX , and   XXXX   and the creditor Capitol one bank asking for these documents and if they ca n't not show forth the documents on how they verifi ed this account belongs to me other than just telling me that it is in a reply letter that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation from this creditor any of the  XXXX  CRA 's. With th e 3 letter s that I have sent I just continue to receive in reply verified or updated, or after the investigation we 've found this o be your account but no documentation as I 've requested to verify this stanc. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal from my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've se nt 3 lett ers without any resolution. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Management Services, LP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. 

this information is inaccurate, i do n't have any evictions record at all. I want this deleted 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 non-monetary relief
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (IA).
Issue: Application, originator, mortgage broker

Complaint: we had a modification with citi mortgage as they were starting a foreclosure on our propertie as our home was totally gutted out by the contract buyer, we had to show proof to citi mortgage that we were fixing the house back up to where it was XXXX to repair the home, as we wanted to sell it so that we would not have a foreclosure on our credit report. Well 2 weeks before we finished the repair on our house Citi mortgage sold the loan to lending tree. XX/XX/2014 we sold the house and paid lending tree, so satisfaction of this loan was paid in full. Now we see that citi Mortgage has put a foreclosure on our credit report and I have sent all required information to the XXXX different credit report companies to show that there was never a foreclosure. I have also contacted citi Mortgage and they will not remove this from our record as they stated they sold the loan to lending tree. I 'm pretty much exhausted all my angle 's

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 03/29/2017 about Bank account or service (Checking account) with FIRST MIDWEST BANK (IL).
Issue: Using a debit or ATM card

Complaint: I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.

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 06/19/2015 about Debt collection (I do not know) with Total Card, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (OH).
Issue: Taking out the loan or lease

Complaint: When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card with wells Fargo bank. I have been having a little trouble paying as have lost my husband as well as loss of income, but retained the debt of 2 people. Have written several letters asking for the opportunity of a discounted pay-off.Only to be told that they do not do anything in writing. I truly did not know that. So they proceeded to pull a dollar amount from my checking account.leaving it overdrawn and leaving me with overdraft fees. Only to inform me they did not charge it off expecting more 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 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my credit bureaus.

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 05/26/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my 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 non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
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 have sent letters to Portfolio and the credit bureaus XXXX XXXX, XXXX and XXXX  XXXX seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: could not get my credit report from Equifax on line, tried to call but no human being to answer the phone. 
Equifax has the right to report, but not the obligation to respond to customers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Huntington bank 24 hour grace period The media package nor the brochures offered by the bank do not disclose how this feature does not work.The bank determines whether or not to the transaction so if they determine to not pay it the grace period does not apply, I questioned the formula for their decision for paying or not paying bank states they do n't have one.This is very misleading and the consumer is given permission to overdraft and believes no fee will be incurred when many times a fee is assessed even when deposit is less than 24 hours.Bank states deposit could be 1 minute later it does not matter, this info needs to be given to consumer, not buried in fine print in a XXXX page disclosure that bank employees do n't even mention when opening an account.The fee is even assessed when a direct deposit is pending for 25 times the amount of the transaction, quite a money windfall for the bank at {$37.00} per fee.The media package for Huntington needs to be changed to full disclosure.

Company response to consumer: Closed with explanation