milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to Equifax and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: Hi, Happy new year! 
I opened an amex XXXX card on XXXX XXXX, 2016 but I did not receive XXXX reward points. I called Customer service and they said I will not receive it because I have Premier Rewards Gold Card. To the best of my understanding, the XXXX cards are different products and therefore I should be eligible to get opening bonus. In addition, many friends received bonus of both cards. I wish I will be treated equally. 
Could you help me solve this problem? 
I greatly appreciate your help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with FIRSTBANK (AZ).
Issue: Account opening, closing, or management

Complaint: This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have negative items on my credit that doesnt belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They mail me a letter and I told them that I couldn'tsee send no money with no incomeand no job how can a personpay a old bill and not working.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical Revenue Services continues to report and confirm my disputes with the credit agencies that I owe a debt that has been settled. I have sent MRS and the credit agencies dispute letters along with proof I have paid these medical bills. MRS confirmed they had received a letter to cancel the collection from XXXX XXXX in XX/XX/XXXX, yet has not removed them. This has prevented me for four months now from obtaining a mortgage loan to purchase a home. I 've been forced to rent until I can get this matter resolved. I have called XXXX, MRS , and the credit agencies multiple times and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having a problem with Portfolio Recovery Associates. They are reporting an account with a balance of {$1300.00} where the original creditor was XXXX XXXX to XXXX and XXXX. I have written them multiple times requesting evidence that bears my signature that shows I have a contractual obligation to pay Portfolio Recovery Associates. I have not received any evidence that I have requested and they are still reporting this account to the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They refused to take the payment I offered them, they are trying to take me to court for " not paying '' so I was just going to start paying on my loan, but I 've heard horror stories and I was scared to give them MY bank info because I ca n't afford for them to take whatever they want so I asked my roommate to use his card and I would give him cash to try and stop them for taking extra money ... and it says I have to be the account holder ... why are they allowed to refuse money? My mom and others said they do this on purpose and they are going to take me to court ( by sending mail to an address I do n't live at about going to court ) and have the judge grant them the right to take money from my paychecks. I live paycheck to paycheck and I offered to pay my extra money to them. they said no it has to be more, and by more they said XXXX. Im trying to work up in a company and I started at the bottom. I plan to pay it back, but right now I 'm not making an extra XXXX dollars a month

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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/XXXX, I contacted XXXX and TransUnion disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

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 01-11-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I made phone calls in XXXX and XXXX and sent a letter in XXXX XXXX because I could not get an answer to my Kohl 's charge card closure. 
XXXX XXXX XXXX, XXXX Capital One Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom it May Concern : My name is XXXX and I am writing about the closure of my Kohls account. I have been trying to get an answer about the closure since XXXX XXXX. I have called Kohls and Capital One and I keep getting sent back and forth between both companies. I have talked to managers at both companies and no one can give me information about the closure. 
My Kohls account number is : The ironic thing about this issue, is that I received a pre-qualified credit card offer in the mail this week. I have to laugh about this because you ( Capital One ) closed my account. How can I get pre-qualified by the same company that closed my account? 
I would like to find out the exact reason for the closure. Please have someone contact me regarding this issue, so that I dont keep getting the run around about information that should be provided to me. 
Enclosed is a picture of the pre-qualified letter I received. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Savings account) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.

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 card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I XXXX XXXX and XXXX XXXX my son have an account open is a line of credit with Wells Fargo # XXXX monthly payment get deducted from our checking account automatically Well Fargo checking they are reporting 30 days late on this account for the past 18 month ( see credit report attached ) I call this business several times in the past month and they promise a 0 late letter they are not responding Im trying to clear this wrong information that they are reporting with the bureau please help

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Veripro Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX, in the amount of {$10000.00}

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 08-11-2015 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.

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 11/15/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a Po box in XXXX, NC showing as an address on my credit report. I have never had a PO box nor have I ever lived in XXXX. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Prepaid card (Government benefit payment card) with Comerica (AZ).
Issue: Fraud or scam

Complaint: XXXX XXXX Services froze my XXXX computer screen with a window instructing me to call XXXX at phony phone number. Then " XXXX '' transferred me to XXXX XXXX XXXX which falsely claimed to be XXXX 's contracted tech service. XXXX pretended to " fix '' a problem they caused in the first place. They took remote control of my computer for at least XXXX hours. All XXXX & XXXX forums I have read explain XXXX is a scam. They allegedly are HQ in XXXX XXXX NJ at XXXX XXXX XXXX # XXXX zip code XXXX ; contact XXXX XXXX, email XXXXXXXXXXXX, phone XXXX. I was hacked by XXXX XXXX/XXXX/15 & discovered scam XXXX/XXXX/15. I have complained to FTC. I have complained to Comerica Bank which is sending me a fraud complaint form, a new Social Security check prepaid debit card ; they asked me to file a theft report with the XXXX Police Dept. This is cybercrime, wire fraud, and other crimes, I guess. Go to FBI? U.S.Justice Dept? New Jersey Attorney General?

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid for XXXX in a payment in full of balance and somehow I 'm still charged $ 80+ in  interest?

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