milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One as NOT addressed the issues in my complaints. There is no contract or agreement for me to pay the charges on my credit card after XXXX XXXX, 2017 by XXXX XXXX XXXX XXXX XXXX. I never gave XXXX XXXX XXXX XXXX XXXX permission to use my credit card after XXXX XXXX, 2017. There is no proof I made the purchases charged to my credit card. Capital One has repeatedly required me to prove I did not make the purchases, did not give permission for my credit card to be used. It is impossible to prove you did not make a purchase or give permission. The vendor has the responsibility to PROVE the customer made the purchases, agreed to pay, gave permission for the credit card to be used, etc. Capital One has NEVER PROVIDED ANY PROOF I MADE THE PURCHASES, AGREED TO PAY, OWE ANY MONEY OR GAVE PERMISSION FOR MY CARD TO BE USED. 
Capital One keeps sending letters saying THEIR RESEARCH INDICATES SOME ONE ELSE AUTHORIZED ON MY CREDIT CARD GAVE WRITTEN PERMISSION FOR MY CARD TO BE USED. I AM THE ONLY ONE AUTHORIZED TO USE MY CARD. THE VENDOR HAS NOT PROVIDED A CONTRACT OR AGREEMENT SIGNED MY ME. THE VENDOR HAS NOT PROVIDED ANY PROOF I MADE THE PURCHASES. THE VENDOR HAS PUT CHARGES ON MY CREDIT CARD THAT ARE ERRONEOUS. Capital One has threatened me with fees and interest if I did not pay the charges on time. Capital One refused to put many of the charges in dispute which should require the vendor to prove they are legitimate. NOT ONE CHARGE ON MY CREDIT CARD BY XXXX XXXX XXXX XXXX XXXX HAS BEEN SHOWN TO BE LEGITIMATE. FRAUD IS ILLEGAL. CAPITAL ONE IS SUBORNING FRAUD, EXTORTION, PRICE GOUGING, ETC. BY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CHARGED ME AN ADDITIONAL FEE OF {$550.00} TO USE BLANKETS DURING THE MOVE THAT ARE SUPPOSED TO BE INCLUDED IN THE PRICE. XXXX XXXX XXXX XXXX XXXX STOLE 4 OF MY PACKING BLANKETS AND NEVER GAVE ME ONE CENT FOR THEM.

CAPITAL ONE HAS NEVER ADDRESSED ANY OF THESE ISSUES IN MY COMPLAINTS. WHY? WHEN IS CAPITAL ONE GOING TO ADDRESS THE ISSUES IN MY COMPLAINTS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 11/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.

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 01/31/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. 
we updated our new address for all C.C accounts including XXXX. 
here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. 
i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. 

please let me know how to resolve this problem. 
thank you 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 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit 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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Accurate Background (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention. 
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hi I received explicit email from Best Buy Citi Bank credit card on XX/XX/XXXX offering me {XXXX0} in gift card if I spent over {XXXX} or more at the Best Buy store. I spent {XXXX} and waited paintely to receive the bonus offer. But I never did. I called in XX/XX/XXXX and was told it can take little more time. Finally called back today and was on phone with XXXX at XXXX XXXX and credit card to get to my {XXXX} gift card but no one knew what i was referring too. I offered over 5 different associates that I can forward the email I had received for This offer but no one listened. 
I finally decided to close my card but never actually wanted to close it if my initial issue was resolved. The closing department never read me the required disclosure to close my card. In fact when I called back supervisor XXXX confirmed too that I was going to call back later to close the card after I speak to rewards department. No where during our conversation I said YES I accept to close this card. No disclosures by law were to me and nor acknowledged either. Best Buy - Citi Bank handled this issue very poorly. 
When I called back few minutes later they denied to reopen the account stating they heard the call that I asked for Card to be closed. I politely begged to escalate the issue but no results. Most calls were to overseas employees which were in different in handling simple issue.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have filed 2 complaints with CFPB against Hunter Warfield for incorrectly reporting a debt on my credit report that is listed in someone else 's name. XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The company responded on XX/XX/XXXX, by providing documents to support their claim, however they are someone else 's documents. They supplied a copy of a lease with someone else 's name on it and shows an address that I have never resided. The lease provided by Hunter Warfield has a digital signature on it so I feel anyone could have made this up. The lease provided has a lease term date of XX/XX/XXXX so I have also attached a copy of my current lease that I signed with XXXX XXXX on XX/XX/XXXX, it's not possible that I had 2 separate leases with 2 different companies during the same time frame. Today I have filed a lawsuit with an attorney that works with the XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove 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 non-monetary relief