milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do not

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 07-04-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.

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 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with National Credit Systems,Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: National Credit System represented XXXX XXXX XXXX for a debt owed in the amount of XXXX. The debt was PAID IN FULL with the agreement of being deleted from my credit report in which however upon checking my XXXX credit report it is currently still showing. After making payment in FULL they faxed me a letter of receipt but failed to remove 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 09/30/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. 
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Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know what this company is and have never opened credit with them. Please help

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 11-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My Morgage company Ocwen is preventing me from being eligible for A Harp.They 're reporting an error code characteristic to XXXX which is making the loan be ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am not sure what happened, my mother gave my personal information to a man months ago, who opened different accounts that were not me. I have filed a police report and am trying to dispute the charges from several companies.

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 03/21/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Credit determination

Complaint: I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''

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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.

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 monetary relief
Consumer complaint received 11/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: Charged fees or interest you didn't expect

Complaint: The original loan was with XXXX and then that company went bankrupt. The loan kept gaining interest and it was not communicated to me who was the owner of my loan and what was happening with my loan. I did not know who to contact. Now, XXXX is the owner but they are hard to contact because they do not list a telephone number or who their staff is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with Castle Credit Co Holdings (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote  XXXX , Equifax, and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was the  3rd party  is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have  Navient as my loan  servicer. I have repeatedly over the past few days attempted to make a payment online but the website kept citing an error and logging me out of my account.  <P/> I instead had to deal with the inconvenience of calling a representative during my workday and being on hold. The representative was friendly and helpful but I should be able to make the payments online.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Midland Funding LLC left court papers on my XXXX year old grandmother 's front door. My grandfather and father are both deceased. We share the same first and last names. The collection agency used unauthorized and incorrect information to file a complaint with the court in XXXX County - where I do not reside - over a debt over 6 years old. I have no recollection of this debt. I wrote all XXXX credit bureaus to have old debt removed 4 years ago. To my knowledge this account was removed. It appears to have been opened again in 2015 AFTER it was originally removed from my account. The collection agency will not stop leaving documents at my grandmother 's address - which is leaving her visibly shaken and upset - and calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

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