milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with Nationwide Financial Group (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received a Debit Card in the mail from XXXX XXXX with instructions to activate the card over the phone. I have never opened an account of any kind with XXXX XXXX, online or in person, so I called the number on the card to adv ise it had been sent to me in error. First contact with the Card servicer was ineffective, and I was told that I could activate the card or call the bank to complain. I repeatedly told the representative that the card was fraudulently opened and that I wanted it closed. Second contact with the Banking Center resulted in disputed transaction affidavit and indication that I would not be credited my 'money ' until I returned the form. Still nothing acknowledged about the account being opened without my consent. Third contact resulted in an indication the account would be 'closed properly ' only when I completed my affidavit with 'whatever information I had '. As of now I do not know if someone has opened this account to launder money or commit some crime, and I am supposed to pay for a notary to complete a form for which I have no information. I do n't know the account number that was opened but I was able to determine the personal information is correct.. As instructed I have destroyed the card I received. Nationwide obviously did not require a physical copy of any sort of ID during the Account Opening process, and has allowed a transaction account to be opened in my name without my consent in written or electronic format.

Company response to consumer: Untimely response
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.

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 06-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. 
This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. 
Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. 
That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my  time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I was contacted by XXXX XXXX from Legal Recovery Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Tried to link my account to use the funds in it on today XX/XX/2017, and the bank Capital One is blocking my access to my money in the bank, I sent a message to the bank today, I tried to call them today, but the call did not go through to the telephone number provided.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NJ).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: The Card company ( Netspend ) has been taking money out of my accounts with them and when I try and dispute the issues they claim that I used the Card at previous stores then they told me to file a dispute claim with there online system and that I would have to wait 10 business days to get the money back to my account. When the 10 days had passed Netspend claims that there was no issue every time I made a dispute about any of the issues they never fixed it when I would see it on the online account portal they would remove it and there would n't be any traces of how they were taking out the money from my account. They claim that this is n't true but this is what happened. When I called there customer service phone number this morning to find out why my account had been locked and why my paycheck had n't been received yet the representative stated to me the account had been closed out yesterday afternoon at XXXX central time when I asked who closed the account the representative replied their risk department. I stated to the representative that I did n't request for my account to be closed and he stated to me that I am no longer eligible to receive or have a Netspend account and he kept repeating the same thing for an hour when I requested to speak to a supervisor the representative repeated the same thing telling that I am no longer eligible for a Netspend account and that the risk department closed my account without my knowledge or consent and when I asked the representative about what suspicous activity was going on with my account he would n't say and he kept repeating the same thing telling me that I am no longer eligible for any Netspend account and then I requested again firmly to speak to a supervisor he took an hour to connect me to a supervisor and the supervisor never picked up I was on hold for three hours and no one picked up no one resolved my issues they have been taking money out of my accounts for almost a year and this is a huge hardship because I have bills to pay for and a child to take care of. I ca n't by food for my child or my self. I ca n't even pay for transportation to and from work or even emergencies.

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 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.

Company response to consumer: Closed with explanation