milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter from a debt collector for a Cabelas Visa card. I also had a 30-59 day report on my credit bureau report. I have NEVER made a payment on this card past 30 days. I will admit, it has been up to 15 days past due one time, but NEVER 30 days. They told me that since I did n't make my minimum payment when the statement was cut, that was why it was reported on my credit bureau. This is deceptive and unfair and UNTRUE practices. I have NEVER made a payment 30 days late. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with FastBucks (WA).
Issue: Struggling to pay your loan

Complaint: I have an outstanding loan with Fast Bucks in XXXX XXXX, ID. I was a repeat customer and paid off my loan numberous times. 
Due to health problems I had to quit my job. I had a few payday loans out and was in a bad spot. 
All the lendors except Fast Bucks have graciously worked with me and surprisingly didnt charge outstanding interest. 
Fast Bucks on the other hand has been horrible. My initial loan was for {$500.00}, now I owe them {$900.00} something. I called the office multiple times to arrange a payment plan. 
The furthest I got was they promised me a call back from managment, that I still havent had months later. 
They will not work with me. I know i owe them a debt and they will not work with me. They have told me the only way I can pay the loan is in fill or cash payments of at least {$140.00} in person. 
This is ridiculous. Every other collector and payday loan company jas worked with me. I have been contacting and working out my debts with all parties except this company. 
They are a preditory lendor that will not work with you no matter how long you have done business with them, and wo n't take money from you if it 's not enough to them. At this point I could have mad at least {$200.00} in payments, but they will not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: I paid for a product from XXXX and i was scammed by the merchant. I returned the product and contacted Capital One to dispute the charge. I was told that i had consumer protection for charges such as this. Capital one refuses to refund the charges stating that the tracking number for the returned product is not enough. I feel defrauded by Capital One and the scammer merchant. Where is my protection from fraudulent charges?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Federal student loan debt) with GREAT LAKES (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A student loan from the US Department of Education was taken out in my name in 2012. I contacted the US Department of Education about the loan and after a lengthy back and fourth struggle, they took the loan off my name.Once I obtained my credit report I noticed a derogatory mark on my name. It was from the US Departments loan that was fraudulently put in my name. Since the loan was removed from my name, all marks and wrongful accusations should be removed also. It is bringing my credit score down because of its negative remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Nationwide Credit & Collection, Inc. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS AND KEPT CALLING MY HUSBANK CELL PHONES 66 TIMES AND MINE XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a PNC Virtual Wallet account pursuant to PNC 's promotion of a {$300.00} bonus for meeting these requirements within 60 days : 1 ) establish a direct deposit totaling {$5000.00} per month ; and 2 ) make an online bill payment. I satisfied these requirements by establishing a $ XXXX monthly direct deposit on XXXX XXXX, and making a bill payment on XXXX XXXX. After 90 days, the bonus had still not posted to my account. After considerable run-around by PNC via its " Secure Message Center, '' with no explanation as to why the bonus still had not posted, escalation representative XXXX XXXX informed me that her escalation manager had concluded ( without informing me ) that the bonus had not posted because I had not made debit card transactions. She admitted that was NOT part of the promotion applicable to my account. She said she would look into this further, and communicate with me by telephone. I reiterated, as I had emphasized to her escalation manager, that I prefer communication by email or PNC 's Secure Message Center. She said those options are not possible, despite the fact that communication to date about my dispute had in fact been via email and the PNC 's Secure Message Center. She said electronic communication is not " secure '' enough. Surprised, I asked, " so PNC 's Secure Message Center is not actually secure? '' All she could say was escalation reps are not allowed to communicate in writing. PNC clearly does not want any written record of the errors it is making on my account and false promises it makes to consumers, and it continues to drag its feet on posting the promotional bonus that indisputably applies. This appears to be PNC 's pattern and practice, and PNC appears to be waiting for me to submit a complaint to the CFPB before correcting my account. Thank goodness for CFPB and its Complaint Portal, but PNC should not get to evade scrutiny by simply correcting their errors once individual consumers complain. This foot-dragging practice allows the bank to hold consumers ' money and profit from the interest " float, '' when the funds should already be in consumer 's accounts, earning interest for the consumer, not PNC. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, I received an alert on my bank account that XXXX amounts had been deducted from my account. After calling Chase bank and finding out that they could not assist me over the phone, I visited a Chase bank. I spoke to a banker and explained that I had seen curious charges on my account and wanted to know why the amounts of {$620.00} and {$710.00} had been deducted from my account. As you can see from the documentation, checks were deposited twice. But, not by me. An individual somehow obtained checks from my home, after I had deposited them into my own account, and deposited them into their own personal accounts, XXXX Chase and XXXX XXXX XXXX, roughly 11 months after the checks were issued. Both XXXX XXXX and Chase Bank accepted checks that did not match the name of the account they were deposited into, had my signature on them, and were nearly a year old, which should have voided them to begin with. This money never should have been taken out of my account and is check fraud, theft, and the checks should have been flagged by the banks as stolen and voided because of the time frame. Chase Bank even found records of where the checks were deposited into- they know who the accounts belong to, per the records that were provided to me at Chase bank, please see attached documents. Chase would not help me get the money back and would not correct their error in depositing a check into another customers Chase account, and neither would XXXX XXXX I do not and never have had a XXXX XXXX account, so this was obviously theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Managing the loan or lease

Complaint: Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute on XX/XX/2017 with TransUnion. They did not complete the investigation within 30 days and still did not delete some of the items disputed. Under the XX/XX/XXXX rule the items which were two bankruptcies were supposed to come off my report. Not only because of the ruling but also for the fact they have taken over 30 days to complete the investigation. I have previously done investigations and they have taken as long as 60 days and still kept the items on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (VA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Reference to account :  XXXX  I file a complaint against the company about the debt. The company is being technical stated tha t II di d not put both account number on the complaint of the same deb tto be removed.. They only removed  XXXX  account. The account number  XXXX  still remain on my account. The case was handle in court : I spoke with  XXXX  at  XXXX   XXXX  of  XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX .  XXXX   XXXX  stated that  XXXX   XXXX  sent the collection to  Hunter Warfield by   mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by  XXXX   XXXX  a t HunterWarfield    XXXX . tha t the complaint was not for both account. XXXX ,  XXXX   XXXX   XXXX   XXXX  have file a garnishment for $   XXXX .the am ount of the judgment by the court.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know w ho is company is what this about all I get was a phone call on my home phone with no information and I have been getting from get this call regularly and want them to stop. this company has a record message and they left a message on a answering machine. give on ref # on this and I just want them to leave me along.

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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans was sold to FedLoan ( unbeknown st to me ). I 'm curren tly in forebearance and will be until  XXXX / XXXX / 17 , howeve r, FedLoan ha ve started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (VA mortgage) with MB FINANCIAL, INC. (GA).
Issue: Settlement process and costs

Complaint: I had my closing on Thursday, XXXX XXXX 2016, and I received my paperwork beforehand and was quoted to receive {$680.00} at closing. We I went to closing the lawyer gave me a check and I did n't look at it during that time. We I looked at the check it was for {$620.00} and I thought maybe the financial bank made the mistake, then when I received the same paperwork in the mail I came to the realization that the lawyer gave me less money than I was suppose to receive. My closing attorney XXXX and this is where the check came from.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit line increase/decrease

Complaint: The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 12/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Home Equity Loan from Wells Fargo. The loan was to pay for my Mother 's care for XXXX. I was the trustee for the property ( Mom 's house ), and there was about {$900000.00} in equity in the home. After several conversations and quite a bit of paperwork Wells Fargo told me the loan should be no problem, I had passed the first application and the rest of the process would more or less be a formality. Then out of the blue they sent me a note that I was not getting the loan for two reasons, one of which was that they " did n't offer that type of credit ''. Huh?

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (I do not know) with Premier Recovery Group (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. 

Premier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. 

I do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing.

Company response to consumer: Closed