milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: X/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.

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 01-03-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Accounts have been PAID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF THE WEST (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec 623 this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.

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 03/18/2017 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had the same problem occur for the last  two  months. Collection agency  XXXX   XXXX  has repeatedly added an account on my credit report with incorrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and Transunion. Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureaus and  XXXX   XXXX  concerning this issue and they are unwilling to fix the problem. This account has been removed and should not be added every month.

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 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Association Capital Resources, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an hoa payment due to my association I 've made several attempts to pay it but each time was directed in the wrong direction then they advised me they sent it to collection the collections company sent a letter XXXX month ago with no numbers to contact them got a letter yesterday and decided to go on a search for their number found it and the told me the amount I owe now is over double what I actually owed in the first place I do n't think those fees are fair considering it 's only been in collection XXXX months and they would n't work with me can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Customer service / Customer relations

Complaint: I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Managing the loan or lease

Complaint: My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did 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 03/22/2017 about Credit reporting () with CCS Financial Services, Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CREDIT CONTROL SERVICE XXXX, phone # XXXX XXXX keeps reporting that I am past due on an account that was closed by the original creditor and was deleted from my credit report in 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.

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 Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

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 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed.

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I had a balance due in XXXX 2016 of around {$30.00}. This amount was paid in Macy 's store and some returns I made to my account made up the balance owing. Since then Macy 's has charged my account with XXXX dollars in late fees and interest totaling more than {$300.00}. I also have made several returns on my account and Macy 's has used these returns to pay for their late charges and fees. I have made many requests for Macy 's to have a manager for several months now to call me but I have received no calls from a manager from Macy 's. On XXXX/XXXX/16 I again spoke with a customer service representative named XXXX ID XXXX and XXXX ID XXXX and asked both for a manager to call me but no manager from Macy 's has called. I was told that a manager would call me in 24 to 48 hours. I have held a XXXX and Macy 's account for more than 40 years and they have cut off my account.

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 08/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did not open the original account. I filled a dispute with Portfolio Recovery in XXXX 2014. They are still trying to collect on this debt and reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage purchased my loan fro XXXX Mortgage and did not supply a new account # in the correspondence. Therefore, I mailed my payment to Freedom mortgage well before the due date of XXXX XXXX. They proceeded to call me to collect, send me multiple collection and late notices, and meanwhile they cashed my check and mis-applied funds to someone else 's account. I called my bank, XXXX, and they supplied evidence of Freedom cashing my check ; while someone at Freedom hand wrote someone else 's account # on the check. I faxed and emailed the cancelled check to Freedom ( XXXX XXXX XXXX did directly as well ) ; yet Freedom still is " investigating ''. When asked if they are charging interest on the principal payment I made and they cashed, I was told " I do n't know. ) Their website also did not permit me to access any of my account information after multiple password resets and is clearly far behind the times. 

I have never had a late mortgage payment in over 20 years on any of my properties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Identity was potentially stolen as part of the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Summary of Problem : My rent check, which was made out to a business ( XXXX ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( Bank of America ) against the bank with the check was cashed ( XXXX XXXX ). I also filed a police report which I provided to my bank for the fraud claim. XXXX XXXX will not respond to my bank at all and Bank of America has tried to close my fraud claim because XXXX XXXX will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/XXXX. My check was stolen in the mail and illegally cashed on XX/XX/XXXX. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a XXXX XXXX to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at XXXX XXXX. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with Bank of America, which is my bank, and they can not recover the funds from XXXX XXXX. Bank of America has tried to close the fraud claim because they say XXXX XXXX   wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by XXXX XXXX because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( Bank of America ) because they are not doing nearly enough to get my money 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 monetary relief