milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Payday loan) with Chaplain Financial Services LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: During my time as an employee for XXXX, I was encouraged to open a Dealer or Concession line as my business contact number. I successfully opened an account and paid monthly according to my contract. Unfortunately that phone was stolen/lost by a fellow employee and I had documentation from XXXX to verify, it was ultimately reported as lost to the company and my superiors in a timely manner. I was told by my manager to open another line, as I would n't be eligible for employee discounts if I fully cancelled my original account for 3 to 6 months. I was instructed to use my social security number to open another type of employee discount account and did so without issue. I used this new account until I parted ways with the company. I was informed that all employee accounts would be terminated upon my leaving and that all devices had to be returned. I left my phone at my store location with my manager and called into employee care to verify the information he had given me, which they did. 

Nearly a year later I requested a credit check and saw that I had been sent to collections over a debt with XXXX. When I called in to see where the debt had originated I was bounced back and forth between XXXX and XXXX as neither said they could help me ; XXXX XXXX because I was a consumer, and XXXX because I had been an employee for the duration of my account. 

My current position allowed me to open an employee line with XXXX although they are NOT my employer, and I used this opportunity to begin a dialogue with someone who could possibly work on clearing up this debt from within the company. After weeks of telephone and email correspondence with the gentleman, I was offered the ability to pay off the debt and then be immediately reimbursed the money if I opened another account with XXXX. I felt immensely pressured to take the offer to save my credit but ultimately decided to pass, as I was n't comfortable being forced into signing another binding contract with the company to erase a debt that should never have occurred. 

Throughout the duration of this, going on two years, I have been called repeatedly by multiple Debt Collection Agencies each time the " debt '' is sold off to a new company. I 've been called at work, late in the evening, inappropriately early in the mornings, and now XXXX prompting me to submit a complaint XXXX a NEW company has begun calling my family members in other states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I 've been making payments to Capital One every month through my bank bill pay. My bank can verify payment was made and delivered on time to Captial One, however, Capital One sits on the payment for two weeks after reciept -- causes me to incur late fees. Ex. XXXX XXXX 2016 - XXXX sent my payment of {$200.00} to Capital One. The bill was due XXXX XXXX. I spoke to XXXX XXXX around the XXXX to ask why they have n't cashed my payment. They said they never received it, so I made a payment to avoid getting a late fee. On XXXX XXXX, they cashed the {$200.00} check. I feel I can prove they are purposely sitting on checks and not cashing them on time -- causing consumers to incur high late fees and automatic interest rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Equifax. Equifax has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problems when you are unable to pay

Complaint: Capital One bank reset the rates on my credit card to 18 % Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for chapter XXXX bankruptcy in XXXX but the confirmation was denied and the case was dismissed. I recently confirmed that the Bankruptcy public record was removed from my XXXX and XXXX credit reports but not from Equifax. I submitted numerous online disputes which returned as being reported correctly. I called Equifax to find out why the public record was not removed as were XXXX and XXXX. I was told that Equifax does not report according to what is on the other major credit reporting bureaus. Equifax insisted that the public record will remain on my report until XXXX. I have suffered much hardships due to my credit report over the years. It has been a long road to recovery for me over the years in reestablishing my credit. I am pleading with CFPB to assist me in clearing this public record from my personal credit report so that i can move on with my life. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX XXXX XXXX  Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with Experian, XXXX, and XXXX but I have not gotten any results. I even tried to call Experian again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I co-signed for a vehicle loan in 2014 for a friend. I was just informed today by Chrysler Capital that the car note is late 33 days and they have not been able to contact the co-owner of the vehicle. I want to know my rights as the Borrower. I want my name removed from this car loan asap to avoid my credit being badly affected. What can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I called BBVA Compass Credit Card services to pay my credit card to XXXX and close my account. They informed me that they do not know how much I owe, and they can not calculate the accrued interest for me to pay it off. I was confused and asked how do I pay off my account and close my card, they said you can do that by phone. I said, I am on the phone, what do I need to pay this off? He continued to state he can not calculate the interest for me to pay the card completely to XXXX. So now I have a credit card I can not close nor pay off? Please Please help, I am poor and unemployed and this is scary situation that I have a Credit card that I can not pay off due to a company that gives me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed my former name, former address and account history with Experian. I even provided them documents to support my claim. They refused to remove inaccurate information from my report. The student loan payment history makes no sense. I pointed this out to them to no avail. this inaccurate information remains on my report. This issue with the payment history has been disputed to no avail with all XXXX major credit reporting agencies. Experian, XXXX, and XXXX. Details in the supporting documents attached.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon being told by the VA that I was no longer able to pursue a career in XXXX I then took the steps to have my loans forgiven as I was in the process of becoming a XXXX XXXX XXXX  XXXX XXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for XXXX XXXX XXXX XXXX XXXX. I have submitted all the required forms to XXXX XXXX including a letter signed by my physician at the VA acknowledging that I am XXXX  XXXX XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}

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 non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Requested the following accounts to be deleted from my credit report X/XX/18. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : 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 06/28/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I went to a Chase ATM to deposit my money. I made 5 separate deposits but during my second deposit of {$1000.00}, the machine took the money but printed out a receipt that said it experienced a technical difficulty. The money was never credited to my account. 

I called up the claims department and they said they will check up on it. They gave me temporary credit but after a month they reversed it, saying they could not locate the funds. I am certain the machine took the money. I asked to see security footage of the ATM but they have refused. It is a similar situation to this article which recommended this service : XXXX I went to the branch where the ATM is located and the employee there told me multiple people have been having problems with the same machine. They reopened the claim for me but I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Vehicle loan or lease (Loan) with FC HoldCo LLC (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX I was granted an extension from XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was sent a letter stating that I didnt pay XX/XX/XXXX payment so I called into them to discuss the matter. Ever since XX/XX/XXXX I have tried to correct numerous issues with them but they lie and give excuses. They caused numerous bounces to my bank account in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They asked me to send in proof which I sent in numerous times by email, fax and a certified letter. They kept saying they didnt receive it which is impossible sent it was sent in at least six to seven times. I complained to the XXXX in XX/XX/XXXX but XXXX stopped answering them. I had to make complaints with the Attorney Generals Office of Arizona and Consumer Affairs. I asked XXXX for a detailed bill telling me exactly what they are charging me including any late fees, bounce fees, etc. They refuse to send that out which I find ridiculous since every other company sends out an itemized bill. They are trying to say that I owe them {$1900.00}, but I only owe them a little over {$900.00}. They tried to say that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but I dont. I only owe {$300.00} for those months that I am paying off by the XXXX like my husband told them. They reported to the credit reports that i am 70 days past due but Im not even thirty days past due.

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 09/17/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016, I opened a new Citibank saving account in a branch with $ XXXX. Because, I was told that if I bring new money to Citibank, I 'll get some free bonus - {$400.00} - So, I get better returns that what I 'm getting in my other bank. I have contacted the bank in person ( the branch that the account was open ) and never available, online and phone - they are not able help. The bonus have not been deposited and per online and phone representative, the account was not setup for that. They are asking for a promotion code. I honestly did n't know about promotion code or something like that. I just opened an account to get the bonus. Citibank is not clear with the advertising, they do n't say ask for code and keep, and the teammebers are not being train to open this accounts. It 's clear that they made a mistake in the setup.

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