milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2015 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Earlier this week I opened a new money market account online. My account is a joint account with my wife ; however, the process to open the new account online included me providing my driver 's license, and none of my wife 's information. Several days later, the new account appeared online, in their online banking system but did not display the interest rate ( likely under 1 % ). I called the XXXX number to speak with a customer service agent and they advised me that I was not on the account. I explained that the account was opened by me using my driver 's license. Also, I had authenticated with them with the password on my account. Since I was logged into their online banking portal, I could provide complete account number for all XXXX of my accounts, including a checking, XXXX savings, and a mortgage account. I asked to speak to a supervisor or manager so I could understand the protocol around authentication and account ownership. I was once again advised that I do not own or have access to the new savings account opened earlier this week. I asked who opened it and they again stated they were not allowed to discuss the account. I will likely be closing my account after the rude treatment and lack of service. I 'm not sure if there are regulations which protect me from not being able to get access to my money or account information, but the whole experience just seems backwards. It is sad to end a banking relationship with a bank I have trusted for over 10 years ; and also it is annoying that I will have to reroute a handful of auto-payments for utilities, etc to a new financial institution. Oh well, I guess BBVA has too many customers, and their cost of customer acquisition must be very very low. Good for them, bad for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I discovered a collection from Diversified Consultants regarding an alleged XXXX debt. I do not owe this debt and this debt does not belong to me. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing they are licensed to collect debts in [ my state ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If the company continues attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 07-08-2015 about Debt collection (I do not know) with Receivables Management Partners, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have no idea what this is for. Never received any communication from this company to dispute this alleged debt or for this company to validate this alleged debt.

Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (IA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In reference to Complaint -- XXXX IDT CLAIM XXXX ( CC # XXXX CHECKING # XXXX XXXX OCC CASE # XXXX FTC # XXXX U.S. Bank response is  the Judgement, OR ORIGINAL COMPLAINT IS THIS. THE JUDGEMENT DID not originate from U.S. Bank, but instead originate from XXXX XXXX XXXX. ARE YOU SERIOUS? IT CAME FROM U.S. BANK. IT 'S PRETTY OBVIOUS IT DID, B/C YOU GUYS ISSUED IT DIRECTLY. In addition to that, FTC Laws require U.S. Bank to produce documents of their investigation, notes, files, etc.. 30 days from XXXX XXXX2017 should already be received by XXXX XXXX,2017, where are those documents and records at? u.s. bank also states its not identity theft b/c I knew the suspect. INCORRECT, IT 'S IDENTITY THEFT B/C HE STOLE MY IDENTITY, AND OPENED AN ACCOUNT WITHOUT MY KNOWLEDGE USING MY IDENTITY, I IN ADDITION TO TAKING SCHOOL LOANS, BY STEALING MY IDENTITY TO DO IT, AND RECEIVING SCHOOL REFUNDS AS A DIRECT DEPOSITS INTO THE ID THIEF ACCT # XXXX. THEN HE CLOSED IT AFTER HE RECEIVED THE MONEY. I REPORTED ALL THIS TO THE POLICE DEPARTMENT AND IS IN THE POLICE REPORT ALREADY. YOU GUYS HAVE ALL THE DOCUMENTS.

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 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2015 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Delinquent account

Complaint: Have continuously asked agency to stop calling before XXXX est. and after XXXX est. They continuously call. Just received call at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon moving out of my apartment, managed by  XXXX   XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to  ).  The bill clearly says not to contact the propert y manager  if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response.  XXXX   XXXX  then sent my bill to a collection agency  National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against  XXXX   XXXX  ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges.  XXXX   XXXX  is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...

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 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. 
The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. 
Experian is deceptively using the XXXX website to sell their products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Reported as deceased to all XXXX credit agencies

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 11/13/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a BK XXXX that was filed in XX/XX/XXXX. 
We subsequently filed a Ch. XXXX in XX/XX/XXXX and paid it off in full. 

However, we went before the court in XX/XX/XXXX and went before a judge and was granted the removal of the Ch. XXXX since we went for a ch. XXXX. 
We are requesting that the Ch. XXXX be taken off of our public record part of credit report. 

It is the only negative mark Thank You 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 non-monetary relief
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan modification application is complete as of XX/XX/2016. Bank of America has not provided written acknowledgment of the receipt and completeness of my loan modification application within XXXX business days, as required under XXXX CFR XXXX ( b ) ( 2 ) ( i ) ( A ) - ( B ).

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
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: In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected 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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I became XXXX before I could even use my degree and my husband was in an accident that left him XXXX so we had no income at all for a while .I was told that my only way out was forbearance which I did n't understand but agreed to..I am now unable to work, my husband passed away and I am raising my XXXX year old. I asked for the forms for loan forgiveness but have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A state tax lien from XXXX 2010 should have been removed, I entered a complaint through CFPB, and Trans Unuion stated that it would be removed. However it is still showing on my credit report. 

This is a Released tax lien that was filed in error and should not have been on report to begin with, I am asking that Trans Union remove the tax lien.

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 01/26/2017 about Debt collection (Credit card) with Northwestern Mediation Services (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They called me on XX/XX/XXXX @ XXXX I answered they hung up, then they called my mother in law who lives XXXX hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it XX/XX/XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue XXXX me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.

Company response to consumer: Untimely response
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.

Company response to consumer: Closed with explanation