milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Late fee

Complaint: I Paid my balance prior to receiving a statement and I was charged a late fee. I had a XXXX balance prior to making a purchase in XXXX. I paid the amount I charged on XXXX XXXX, 2016. I realized in XXXX my balance looked different and saw I was charged a late fee for two payments made prior to the statement being generated. The payments were never late and I do n't understand how they can charge a late fee for paying early?

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CT).
Issue: Problem adding money

Complaint: This is with Paypal. We have an account with Paypal. We submitted to make a transfer from our account to a friend 's account for {$600.00} on XXXX XXXX 2017. <P/>When our friend tried to accept the payment, the transaction was unavailable. The message stated to contact us. We canceled the payment on XX/XX/XXXX and tried to resubmit. We were not able to. <P/>After several rounds of security verification, we spoke to three different representatives on the phone. For 1 and half hours, we tried to resolve the issue. At the end, Paypal had no good reason for why all of this happened, and there was no recourse for me, the consumer. <P/>Paypal withdrew the {$600.00} from my bank at XXXX. However, I do not have access to that at Paypal. They were able to immediately withdraw it, but they can not refund it for 3 to 5 business days. In the meantime, my money is in limbo. <P/>I was told that I should not have been able to submit a request for {$600.00}, but " got lucky '' according to the representative. I was told my limit was {$290.00}. I tried to do a transaction for {$290.00}, but was unable. I was unable for {$200.00} as well. I was able to transfer {$1.00}. <P/>At the end, I 'm left with a missing {$600.00}, an inability to use my account effectively at Paypal, and no recourse to any of the events that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (I do not know) with 4M Collections, LLC (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, XXXX at XXXX am. 

Received a phone call on my cell regarding a debt. After returning the call, I informed XXXX that I was on the Do Not Call Registry and that I do not have any outstanding debts. He read the last 4 of the SS # that he was looking for, and I told him that was not me and the last known address he had was in XXXX Washington. I informed him that I had never lived in Washington State. He was clearly calling anyone with the same name as me, without regard to violating the Do Not Call Registry. 
Since I do not trust that XXXX will do what he says, I want all of this documented.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.

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 11-07-2017 about Debt collection (Auto debt) with Wilber and Associates, P.C. (TN).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: This company Wilber and Associates took money from me by making a false promise that I would not have my license suspended by the state if I paid them a certain amount by a certain date. I gave them exactly what they asked for and they did the exact opposite of what they told me that they would. They put me in an indigent situation and now they are they did not do what they promise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: There was a recall on this car and the car is return back to the company.XXXX XXXX XXXX ; Manufacturer imageVehicles Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX engineThe Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in XXXX ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX XXXX Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue. 

The Fix : Dealers will install upgraded engine-cover retainers in the vehicles

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with U.S. BANCORP (DC).
Issue: Advertising and marketing

Complaint: USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc has been holding my {$50000.00} hardest hits fund for over 4 months claiming a " system issue ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

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 01/26/2017 about Consumer Loan (Pawn loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Blatt , Hasenmiller , Leibsker & Moore , LLC has sued me and has been going to court dates without my knowledge of any of it. They are sueing and has threatened myself and my employer ( as of yesterday XXXX/XXXX/XXXX ) for garnishment of wages, all for an old XXXX XXXX XXXX that I did have about 8 years ago that was left with maybe about {$80.00} balance on the card before I closed it. Blatt , Hasenmiller , Leibsker & Moore , LLC is now attempting to garnish my hard earned wages without any of my prior knowledge in the amount of {$2100.00} for the aforementioned old credit card debt. They have not contacted me, and I have not received any mail from this company ever. They called my employer yesterday ( XXXX/XXXX/XXXX ) for an " active employment verification '' and my employer told me that Blatt , Hasenmiller , Leibsker & Moore , LLC had forced them to complete their garnishment report and said that it was court ordered. My employer told me what was going on so I then called the number back that they 'd called from and spoke with a representative of Blatt , Hasenmiller , Leibsker & Moore , LLC, named XXXX. XXXX explained to me that this was from that old credit card from XXXX and that it is too late for me to do anything because they were already in the garnishment process and told me that they were taking 15 % of my wages until they reach a total of the {$2100.00}. He told me that they will not offer me a payment arrangement, or a settlement because they did n't need to as they were already going to just TAKE the full amount. I do not owe these people {$2100.00}, I have never received any communication nor court papers from these people and now Blatt , Hasenmiller , Leibsker & Moore , LLC has said that they have another court date on XXXX/XXXX/XXXX at the XXXX XXXX at XXXX ( which I still would not have known of if I had n't reached out to them ). These people are bullying a law abiding, tax paying single parent like myself and I am sure many others as well. Now I have to take off of work on Tuesday ( losing more money ) to go downtown to see what can be done. Although XXXX told me that nothing can be done and that they are taking everything. How is this possible? They have also had a really negative impact on my credit report in the public records section. The actual credit card is no longer even on my credit. Please Help Me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My bank told me On XX/XX/2017 a withdrawal of {$360.00} was made, then on XX/XX/2017 a check of {$700.00} was deposited in a different city also in the same city another withdrawal was made of {$340.00}. I filed a claim stating my debit card was lost and that none of those transactions were made by me. A credit was issued to my account but couple weeks later the credit was reversed. I called the my bank to ask what happen and i was told that it wasnt posible that someone else other than me made those transactions. I just hope that CFPB finds the proper resolution before i have to take legal actions.

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 10-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, XXXX XXXX XXXX XXXX/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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released what I assume to be my credit header information to an undisclosed party due to inadequacies in their protection of my information. 

I was told to check on their site if I had been affected and was told based on my last name and last 6 digits of SSN that I was part of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NATIONSTAR MORTGAGE (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from attorneys from the Law Offices of XXXX and XXXX XXXX, advising I owe a debt that I do not owe for my private home to NationStar Mortgage.

Company response to consumer: Closed with explanation