milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2014 someone attempted to obtain a credit card in my name with XXXX Credit. I discovered it on my credit report and contacted XXXX Credit. They did an investigation and determined it was fraud. They followed up with timely correspondence and notified XXXX credit bureaus and instructed them to remove the item from the Hard inquiry portion of my credit report. XXXX removed the item almost immediately..Equifax has not XXXX XXXX fraud department has now notified Equifax XXXX different times. I have written XXXX letters filed XXXX online disputes and spent many hours on the phone with Equifax. Initially Equifax claimed they could not verify my identity ... they requested my birth certificate my drivers license my marriage certificate XXXX utility bills and my XXXX be sent to them. I was reticent to send such documentation but went ahead and sent it. I received another letter in response from Equifax telling me to resend the documents which I did not do ... I called Equifax and they said they had the documentation ... Yesterday I received yet another letter from Equifax again asking for the documents that they already verified they had. With my corresponce to Equifax I also included copies of all the corresponce to me from XXXX verifying that the item was indeed fraud. Equifax told me they do have that correspondence from me but that it is worthless because it must come from XXXX direct ... I advised them XXXX fraud department has sent XXXX letters and they claim they do not have any such letters ... I contacted XXXX and the assured me they have indeed contacted Equifax. The XXXX fraud department then sent an additional letter as follow-up. I then contacted Equifax again and the once again claimed they have nothing from XXXX. They then advised me that the only way they will remove the item is if XXXX calls their business office direct. I asked for the number of the business office and they declined to give it to me saying XXXX knows the number it 's business to business. I again called XXXX and they said they had never heard of such a thing and directed me back to Equifax..Equifax then said well they will only remove it if they send the request electronically. I asked Equifax if I could have the electronic address and they declined saying once again XXXX knows where to send it. Back to XXXX and they said it was absurd. I am now at an impasse..I have spent three hours on the phone today alone Equifax just keeps passing me from department to department and declining to remove the item. I have a complete file with dates and documents and correspondence I can provide if need. My husband and I are about to retire and attempting to obtain a mortgage and this item has been holding up that process for almost four months. I need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had not been supplied with any notification of said debt. I would like this to be removed as it is negatively impacting me as it is being reported to the experian and transunion credit bureaus. They failed to provide any verification nor have they informed me of any rights to dispute the debt. My information was illegally shared without my consent so I am requesting it be removed from my profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Took out a payday loan from Ace cash a check in XXXX XXXX, TX.paid back, then took out another, could not afford to pay back, tried to set up playment plan, they told me I could no longer pay them, the debt went to some other company, that company has been sending me harassing e-mails, threatening to sue me and garnish my paycheck and jail time, I also get phones calls from this phone number XXXX and now they are calling my job from XXXX and being very rude and threatening. I can set up a payment plan, but I do not trust the people calling as when you call those numbers back nobody ever answers!! Please help to what I need to do

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing statement

Complaint: I opened a new CC account on XXXX/XXXX/2015. It is a chase XXXX XXXX card. They arbitrarily ( apparently computer generated ) assigned a billing cycle closing date of XXXX/XXXX/2015, so that my first payment would be due on XXXX XXXX, instead of in late XXXX. I called them on XXXX/XXXX/2015 at about XXXX. They agreed to change my billing cycle going forward to the XXXX of every month ( with another short cycle to XXXX ) but would not change the current bill. 
This is very unfair. They ought to either inform me up front about this, or be required to give the full XXXX day cycle. If they ca n't do that, then it should be a LONGER cycle for the XXXX bill, not a shorter one. For example, in my case if they wanted to end my cycle on the XXXX of every month, the XXXX cycle should end on XXXX XXXX, for XXXX days, not XXXX XXXX, for only XXXX. 
I also purposefully wanted a cycle that allowed this payment due date to be later in the month. My main CC due dates are early in the month, and I thought this CC would come due later in the month, to " spread the pain. '' Even though they changed it going forward, XX/XX/XXXX will now be difficult for my budgeting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with Credit Bureau of Bessemer, Inc (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Auto debt) with Investment Retrievers, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency has been reporting my collection as an open account and reporting monthly late payments as an open account instead of a collection account in order to maximize damage to my credit report. I have disputed this several times through the collection agency and through the credit bureaus. This account should be removed from all credit reporting bureaus as it has called me measurable damages from negative credit decisions that can not be over turned.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA

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 11/17/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full in XX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted XXXX  and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX  has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the 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 01-06-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Money was not available when promised

Complaint: As an ebay XXXX, I have been dealing with receiving payment from PayPal for about 20 years. The money was always available the same day the customer placed the order and paid wih their PayPal account. Suddenly recently they are ho, lding my payment for from 7 business days to 2 weeks. This does not seem to reflect appropriate fiduciary responsibility to me. Can they hang on to my money for 2 weeks legally?

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (I do not know) with Rubin & Debski, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.

Company response to consumer: Untimely response
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Client Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bill from XXXX XXXX XXXX regarding a visit in XXXX 2015. I paid this debt in full in XXXX 2015. XXXX did not credit the payment and has continued to send me bills. Then, I received a letter from a collections agency today for this bill that had been paid in full. When I called the debt collection service they told me their records did not show me owing anything. If that 's the case they should not have even had me in their system. " XXXX '' told me he would contact XXXX to reconcile the account so that I would get no further correspondence. When I asked for " XXXX 's '' last name for future reference to ensure this matter had been reconciled he refused to give it to me. 

This matter is problematic for a couple of reasons. First, if I do not owe the debt then I should not have been in their system. Second, I had to give XXXX my full name, date of birth, and address before he would speak to me. There is no way for me to determine if he really was a valid debt collector and not just somebody asking for my name, birthdate and address. This could have been a scam and I just gave some unknown person my personally identifiable information. 

In addition, I had the same problem with ASE last year where they did not credit my account with my payments and I had to fight with a different debt collection agency to get my payments credited and to have them remove the improper and un-owed debt from my credit report. 

I would like someone to look into XXXX and their billing and payment received actions. This is not a company that I can simply stop using as they are emergency room physicians in this area. 

I would also like someone to look into Client Services Incorporated, the supposed debt collection agency. Refusing to give out a last name but refusing to talk to an individual before they give them their PII is unfair and insecure. I have already been advised that my information has been compromised due to a recent cyber-hacking incident and I need to be vigilant about watching my information. It puts people in a very bad position since if they do n't do anything and everything asked of them the debt collection agencies will ruin their credit and never have to answer for it. 

I would appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, Capital One 360 placed an unexpected and unwarranted hold on my checking account and debit card. Their reasoning was that I was making transactions out of state, and it " looked suspicious ''. In fact, I had used the card in those locations ( Hawaii and California ) on many previous days, both for purchase and cash withdrawals. In one instance, my entire checking account was frozen late on a Friday night in Hawaii, and I was unable to use the account for the entire weekend. In speaking with phone representatives at various levels of management, I was given the conclusion that " sometimes we just place holds on accounts and there's nothing you can do about it '', essentially locking me out with no proper reason. If the card had been stolen or compromised, and suspicious transactions had occurred, then they would be warranted in taking these actions. Instead, I spent hours on the phone with clueless phone reps, unable to provide any assistance.

Company response to consumer: Closed with explanation