milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Credit line increase/decrease

Complaint: capital one I asked to have my credit limit lowered. They said they could not lower it. My limit is almost XXXX and this affects my credit as I am not using the line so have a low utilization. They said their contract with jordans the furniture company who I set up the account with has expired. 
However they are the group still managing the account so are responsible for the credit limit reported to the credit bureaus. I said they are reporting incorrect information as the line is no longer available to be utilized yet it is having a negative impact on my credit rating for not being used, i.e. the low utilization rate. Please tell capital one that they can not report inaccurate information that negatively impacts the consumer. This leads to me being charged higher interest on any new cards. I spoke with XXXX who hung up on me on XX/XX/2017 at approximately XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I called to report that my purse had been stolen 2 days prior. When I spoke to the representative through Wells Fargo Services, I was advised that I would not be held accountable for any transactions made on my account. At the time I called, I was asked if I had made any recent transactions. On XX/XX/XXXX, I was also advised an amount on my card for {$2100.00} was pending and the amount was adjusted and removed. The first card was closed and a new card was issued with a {$0.00} balance. I was sent a letter by the dispute department l, which I signed and dated confirming I did not authorize any charges. On XX/XX/XXXX, I received a letter from the dispute department stating this was a valid charge and my name and address matched for the transaction. I called immediately and spoke to card services again. The agent was rude and kept stating he could not help me and offered a fax number. I requested to speak to a Supervisor and she confirmed they had no notes on my file stating my purse was stolen along with my SS security number, driver 's licence, contact info such as phone number, email, etc. I always carry this type of information in my planner and wallet.

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 12/16/2015 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (MN).
Issue: Making/receiving payments, sending money

Complaint: An impostor faked to a company that fixed my computer remotely. He told me that I was overcharged and that the company moved to XXXX. He wanted to send me a refund into my check card but the security chip on it hampered the move. He asked for my account number to wire the money and I did. I wired {$900.00} instead of XXXX I had paid to the company ( XXXX computer repairs ). He called me to say that he send {$900.00} into my account and that I could send in {$500.00}. I went to Western Union XXXX and sent it. ( Tracking number XXXX. 
Sender -- -XXXX . XXXX XXXX of transaction XXXX Receiver XXXX XXXX Pay out Location -- Western Union XXXX XXXX fees {$14.00} XXXX ) I will like western Union to regain and refund my money. They should verify this impostor and call XXXX law on him. I was excited to get back some holiday money but instead got exacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (AL).
Issue: Trouble during payment process

Complaint: I asked for information regarding how when I originally borrowed {$25000.00}  in 2007 an d my payments were $  XXXX  month  is my balance 10 years later over {$24000.00}?! I have never missed a payment during that time, and have a contract to sell the house and was shocked to learn what my balance was on this loan! Is this predatory lending? Whatever it is, it ca n't be right.

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 12-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Equifax XXXX XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: They have been contacting me since XX/XX/XXXX that I know of. They claim that I owe a debt that I know nothing about. The have contacted my sister and my job now leaving threatening messages. They left a voicemail on my company receptionist voice mail on XX/XX/XXXX stating my FULL social security numnber threatening to that they were sending a writ and that they were looking for a fax number that I called and provided on XX/XX/XXXX. The voice mail he leaves states a case number XXXX i have the voicemail saved. They also contacted like I mentioned my sister XXXX leaving a threatening voice mail stating that she or myeself or my attorney must contact him by the end of the day or else ( he did not elaborate ). When I called back he would not tell me the full name of the company, or his location. He requested my bank or card information and if not then he would be grnishing my wages. When i asked for more information he stated that he did not have any to give me and that was not his department. My biggest concern is that he is calling random numbers and leaving my social security number all over the place. I would like hep on this matter as i belive this is among other things i have mentiond ar illegal practices by a debt collector. Please help me, luckily I have an understanding employer but I cant imagine everyone is so lucky. Their website provided no mailing address only anothe XXXX number and an email see below ****If you are a consumer and have been contacted about a debt obligation, please feel free to call us toll-free at XXXX. You XXXX also fax us at XXXX. If you prefer email, then reach us at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with STERLING JEWELERS, INC. (VA).
Issue: Other

Complaint: i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all

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 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Orion Portfolio Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Orion is fraudulently reporting a XXXX account to my credit bureaus I have been disputing for over 3 years. We have written Orion Portfolio, as well as their subsidiaries, such as XXXX, XXXX, and XXXX several times over the last three years disputing a debt supposedly owed to XXXX in the amount of {$360.00}. As we have stated on numerous occasions to Orion ( and its subsidiaries ), this amount is owed due to double billing on old XXXX account ( that was supposed to have been closed ) along with new ( current ) XXXX account, all at the same time. Even though we have disputed this debt, to this day Orion, through XXXX, is reporting this account to credit reports. We have tried many attempts to reach Orion to no avail. XXXX, however, is not willing to correct the reporting of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Late fee

Complaint: Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M 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 10/17/2015 about Consumer Loan (Installment loan) with Circleback Lending, Inc.(Closed) (FL).
Issue: Taking out the loan or lease

Complaint: Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently completed a year of service with  XXXX  and thus was awarded the {$5700.00 } Education Awar d. I used this money to pay toward s my Federal Student Loans through Navient. I s ubmitted the payment request, as instructed by  XXXX , through the " My  XXXX  '' portal. I made the following payment requests between  XXXX   XXXX   XXXX   XXXX ,   XXXX   : {$950.00} to be paid towards loan number  XXXX  {$2200.00} to be paid towards loan number  XXXX  {$190.00} to be paid towards loan number  XXXX  {$2300.00} to be paid towards loan number  XXXX  I made the payments in the way so that loans  XXXX  and  XXXX  would be paid in full. Both of these loans had interest rates of 6.55 % while the other  4 loan s throug h Navient had interest rates between 3.15 % -4.41 %.   By paying loan  XXXX  and  XXXX  I would have lowered my monthly payment and lowered the amount of interest accrued on my loans. This would have allowed me to pay less interested and pay off my loans in a shorter time frame.     Howev er, Navient did not follow my instructions and rather evenly split the {$5700.00} between the 6 loans. This means that none of the loans were fully paid off and I am therefore still accruing interest across all 6. I submitted a complaint with Navient o n  XXXX   XXXX ,   XXXX   and again on  XXXX   XXXX ,   XXXX  . Between this time I have also tried to call customer service multiple times. I have never received a response and when I have tried to call I was transferred to multiple customer service representatives and ultimately placed on hold for hours without ever receiving any actual assistance or information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MD).
Issue: Managing the loan or lease

Complaint: My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation