milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing the loan or lease

Complaint: I paid the XXXX 2 months of the car loan when I purchased the car. I then completed the form as instructed by the Bank of America to set up automatic payments on each month on the XXXX of the month. The bank denied this request and I had to seek resolution from a supervisor to get the direct payments authorized. I was not made aware of the problem for 2 months. When I learned of the issue I immediately paid for 2 months due AND 2 months forward. After speaking to a representative I was assured that this would NOT affect my credit report and was NOT on my account. 
This is NOT an error on my part and as a consumer I did exactly what the bank said to do when they said to do it and now my credit report is damaged and I am unable to get a home equity line of credit. The line of credit is required to pay for outstanding expenses related to XXXX XXXX and XXXX that have cost me thousands of dollars. 
As a result of this I am asking the bank and or credit bureaus to remove this information immediately. I have also retained a lawyer and would like your assistance to sue all parties that are involved with the negative rating and impact of my ability to secure the loan. I would like to get this resolved and if not then someone rather than the consumer who has and is acting in good faith. 
XXXX XXXX XXXX Bank Of America Auto loans.

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 02/20/2017 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass has been terrible to work with since they changed our mortgage conditions XXXX days before closing on our loan XXXX years ago which almost prevented our closing. As a result, we are paying off our mortgage early to not have to deal with them anymore. 
They are again consistent with their poor service that we have come to expect. We paid off the loan on XX/XX/XXXX ( it is now XX/XX/XXXX ) and still have not received confirmation that the loan is paid in full. Surely it does not take almost a month since we wired the money to their payoff instructions. 
I would caution anyone who is thinking about a mortgage with BBVA Compass to look elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. 
First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. 
Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. 
if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. 
Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX unauthorized inquiries, disputed but still reporting information that is verified on 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 explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Fraudulent files being reported to credit bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: After going into a dealership to look for a vehicle, found out later when I had my credit checked on my account with XXXX that the dealership had pulled my credit XXXX different times from XXXX. I never read nor did I ever see any agreement or paperwork showing that this was going to happen. No one went over or showed me a finance application. I now have these hard inquires on my credit that have messed up my score. I sent a certified letter to the dealership asking for the proof of my consent to pull my credit XXXX times. They sent back a response showing a print out of the salesman 's application he filled out on his computer that I never was showed. But when they sent out the application it clearly reads in their agreement statement that they are required to let me know the creditor and address of who they share my credit with. I was never presented with any of this information and have been taken advantage of. I sent back a certified response explaining the conditions, the dealership never responded back, I gave them over 30 days, now I want to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX is threatening to place a judgment against me for a debt which they purchased from Capital One. I have never entered into a legal contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 will now cost me time and money ( to freeze my credit with multiple bureaus ). Further, it will continue to soak my time and money by requiring me to unfreeze 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 09-10-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (AK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have gotten 1-2 calls per day from Quicken Loans for the past week and a half this month telling me I was somehow interested in refinancing my existing mortgage. If I did, it was a mistake and I told them numerous times each time they called I was not interest and to take my name off the call list. I am continuing to get calls to this day. They have left two voice mails which means they are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Billing disputes

Complaint: American Express reported my account late as 30 days when it was only 5 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!

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 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of identity theft since XX/XX/2012. I have an extended fraud alert on my credit file. Recently, there has been an increase in attempts by identity thieves to open credit/loan accounts using my identity. Most of the creditors will call by phone and ask me to identify myself and ask if I applied for credit with them. When I deny that it was me who made the application, they simply deny the application and send me a letter in the US Mail stating that they were unable to approve the application because they were unable to verify the information that was provided on the application. Some creditors will send a second letter stating that they will submit a request to delete the inquiry to the credit reporting agencies. My complaint is two-sided - one side is with a particular company that calls and asks for all of my identification ( name, address, phone number, date of birth and social security number ) when notifying me that an application for credit has been made with them in my name. It makes me very uncomfortable when I am asked for this information over the phone and I am told that the company can not verify my application without this information. I am not confident that this request for my information is even legitimate because my information is not requested by all of the companies that notify me about applications that they have received in my name. The other side of my complaint is with a particular credit reporting agency which, although there is a fraud alert on my credit file, has released my credit report to that company.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Company has changed my open date to 2011, provide verification documents.

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