milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: these two accounts XXXX XXXX acc XXXX and chase cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Between XX/XX/XXXX and XX/XX/XXXX I filed a CFPB. And I had a carloan account with XXXX XXXX XXXX XXXX that open in XX/XX/XXXX, however they reported that I was 30 days late on the last payment of the car. The 30 day late payment was removed when I filed a CFPB, however the 30 day late payment has been put back on my credit file.

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 08/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.

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 06-04-2017 about Vehicle loan or lease (Loan) with Garcadia Financial LLC (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RFNA, LP (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (WV).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I paid off my auto loan and can not get the title. 
My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! 

They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? 

I paid the loan off in good faith I want my problem fixed in good faith! 

Bought truck on XX/XX/XXXX {$450000.00} paid off truck XX/XX/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 08/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have new bills to pay ... I 'm trying to just survive .... When I heavily rely on others now to just even live ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job after my ex wife took my kids because she had an affair many years ago .... This company already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I open a checking Account with Capital One Bank. I received a refund from a merchant for a couple of purchases. The bank put the refund into my account more than once and after they made the mistake, they then charged me over limit fees. I 'm on a fix income of SSI. I refuse to pay these excessive fees. This is a form of swindling. Which I consider a White Collar Crime.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a Mortgage with XXXX  XXXX in XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and Bank of America assumes my XXXX XXXX Mortgage # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX   Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XXXX, and the fact that I refinanced my XXXX  XXXX in XXXX, paid it off completely when I sold the home in XXXX. Financed a brand new XXXX XXXX in XXXX, it too is completely paid off, but I am still being denied credit in XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX Veteran that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran  of this country! You can't report both loans! Thgis is Fraud!!!!!

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 05/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: the bank put a hold on my account in  XXXX   2016  and holding {$890.00} funds in the account since then. they will not give me any valid reason or provide me any assistance. they did not tell me how long they going to hold the funds or when they going to release the funds. I tried calling them several times during la st one year, they always make some excuses and will not let me talk with a supervisor either. after on e year, I am out of my funds with no positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Other transaction issues

Complaint: I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (CO).
Issue: Managing the loan or lease

Complaint: I filed a request to Fifth Third Bank as to why the bank charged me late fees above what was listed on the payment coupon. I filed this request XX/XX/2016. The bank never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (VA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Enhanced Recovery Corp placed a collection on my reports on XXXX/XXXX/XXXX claiming I had XXXX service in XXXX. I called XXXX and ask when was my service disconnected and XXXX stated that the service was disconnected on XXXX XXXX, XXXX. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX and was discharged on XXXX/XXXX/XXXX. XXXX was included in my Bankruptcy. 

However, nine years later the account has been re-aged and placed on my credit report which violates the automatic stay. 

This will come off my report or I will sue XXXX and ERC for damaging my credit and costing me thousands of dollars.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Making/receiving payments, sending money

Complaint: I added an external account to my Chase checking account. I subsequently transferred money from the Chase Checking to the newly external account. I received a text message from Chase to confirm the transfer, which i did via responding text. To my horror I discovered a week later that not only did Chase reject the transfer AND THEN CLOSED the external account WITHOUT my permission. Nor was I informed that they closed the external account. Then Chase locked my account from online access due to activity frequency. Upon inquiry I was told they dont know why this happened. And that I now have to go through the ENTIRE process again to reestablish the external account - that they closed! and they were unwilling to provide me contact information for Fraud or Operations officers to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. Bank of America is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.

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