milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The credit reporting sites are telling me that my address and social security number do n't match up when I have tried both of my previous addresses and have only lived at XXXX places my entire life. I just turned XXXX on the XXXX of XXXX, 2015 if that helps.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Managing the loan or lease

Complaint: This loan is reporting as incorrect on my credit reports - and it is reporting as a ChargeOff when I made advance arrangments and the account was settled for the balance that was owed. ( {$280.00} on XX/XX/2015 ). There was a prior issue with management by the company for this loan and my payments were not applied correctly nor was I receiving any written correspondence after multiple requests for it. I also have not received a paid in full letter from the company after my payment on XX/XX/2015 and I have already called XXXX times and each time promised it would be sent, however it 's never been received. I want this correct or removed altogether from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I hav e $  XXXX + being held by Suntrust bank for nearly a  month now. The funds were sent in via wire transfers and should have been made available immediately. They closed the account on  XXXX   XXXX ,    2017 and   still have not given me my funds. I called this morning and spoke t o 2  different individua ls, one a manager and was told th at they had no intent to send me my money. They said I needed to contact the financial institutions that initially sent the money. I asked what I was supposed to say as of course I had no account information and was n't their client. I asked where the money was that was received, NO ANSWER. I asked if she was insinuating they had returned the funds to the originator and if that is why she was asking me to call those banks and she said s  he had no information regarding such.
I had a customer contact Suntrust 3 days after paying for an order and say they did not initiate the wire. I provided 30 or so pages of documentation and communication for over a month with 4 different employees from that company - AMPLE PROOF they did in fact send the wire - an email directly from the owner confirming that and could not get ANYONE in the fraud department to review the paperwork. The customer wanted to cancel the order which was fine but they lied and said the wire was not authorized. I will be happy to provide ALL of this documentation.
A suntrust Branch manager told me concretely MULTIPLE times th  at any funds coming in would be disbursed at the time of closing the account. She said I would have a bank certified chec k within 5 - 10 business days.      That money is contractually obligated. I must fulfill those contracts by  XXXX   XXXX ,  2017 and they r eq uire a 4 week production time. Any and all Liability is now on Suntrust Bank. They are putting me out of business and CRIMINALLY STEALING MONEY.

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 08/26/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.

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 12/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (IL).
Issue: Managing the loan or lease

Complaint: I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been in contact with experian numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 09/16/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (TX).
Issue: Trouble during payment process

Complaint: Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX. 
XXXX assigned my mortgage to M & T Bank. 
As of today XXXX/XXXX/XXXX this payment has not processed. 
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does. 
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm. 
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.

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 11/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Advertising and marketing

Complaint: I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received a notification in the mail from kia motors finance and other car companies saying i was denied credit that i requested. I never requested credit from them and it is a inquiry on my credit report. I am trying to build my credit and have these inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my 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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax 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 are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I continually receive calls from Navient Student Loans about an outstanding student loan. The latest calls were received onXX/XX/XXXX ( 1 ) andXX/XX/XXXX ( 2 ). The numbers the calls came from our XXXX and XXXX XXXX. I had informed the CSR on XX/XX/XXXX that I have no outstanding loans and I have no idea why they would be calling me. She stated that she would make a notation in the system, however, my phone number was listed on a loan. When I asked the CSR who had the loan with my phone number on it she would not give me the name of the person. On XX/XX/XXXX I received two calls within two hours of one another. Again, I informed the CSR that I have no loans and again they said they would make a notation in the system. Again, the CRS stated that my phone number was listed on the loan and again she would not give me the name of the person. I am XXXX years old and my student loan has been paid off for years. I would like the calls to stop and would like to know for my credit purposes who is the person that has my phone number on their loan??.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Last year XXXX I was approved by Chase Bank for Loan modification, saying that If I make my payment in 3months they would permanet it. I made the first paymet in XXXX. In XXXX when I called to make the second payment I was told that my morgage has been transffered to another finace agent, without no notice letter. After about XXXX calls i finally received the number of the other finace agent. To find out that my loan was transfferd to money collect agent. I made the second and third paymanet. To my suprise this company are treatning me with a lots of letter to forclose my house and also claiming that am owing some money that have to pay. I will be glad if my case is investigate accordinly and if any document is needed, I have all documents to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 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: Account information incorrect

Complaint: I ran my credit report via XXXX XXXX on XX/XX/XXXX. On Transunion report there was a hard inquiry from XXXX which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called Transunion and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them XXXX said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to XXXX   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from 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 explanation
Consumer complaint received 02-04-2016 about Bank account or service (Savings account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?

Company response to consumer: Closed with non-monetary relief