milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I opened a capital one card used it once to get a motel room. When I called because I hadnt received a bill I was told no balance was due at this time. I thought weird but possible. I unfortunately forgot about it I was moving and going through a divorce. I recently checked my credit score and saw it was now in collections for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hammerman & Hultgren, P.C. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF HAMMERMANN & HULTGREN P.C. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent certified letters to debt collector to validate these XXXX debts. They sent letters back stating they needed more information from me, which I gave them that on the letter the account numbers which are on my credit report. I stated on my certified letter that I wanted information from the original creditor with my signature and dates of the account. They did not have any information but the name of the creditor which I already knew that, because it is on my credit report. I would like both of these debts removed from credit reports. XXXX, XXXX and XXXX.This debt can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through 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 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: A number of years ago, my wife ( now deceased ) filed an individual bankruptcy. At that time we had a mortgage with Fifth Third Bank. Some after the bankruptcy was complete, Fifth Third added an amount to the mortgage. This was not noticed to me nor is it allowed in the mortgage. I have tried for years to get this resolved but to no avail. The Bank is reporting this as a late payment every month which affects my credit rating and adds costs to my insurance. The rep for the bank said " we did n't charge you we charged the mortgage. '' I fail to see how this is different than charging me. I tried working with a local rep at the bank but the supervisor we tried to talk to would not talk to us and hung up on us. I live to a great extent on social security and this is affecting my credit and my ability to make ends meet. I ca n't even refinance with this showing as late payment every month. I do make my regular payment every month just not the extra which is unexplained and not allowed for in the mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Simon’s Agency, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've never opened an account with XXXX XXXX I 've never signed up to revive there services I was never shown prof of this being a valid account I never recived any goods or services for the above account nor did I sign up or give my authorization for 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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to go onto Experian website to file a dispute. However, the dispute page does not load. When I phone Experian, I can not speak with anyone to get get help form the company, so I can file my dispute.

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 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION CONTINUE TO VIOLATE FCRA PROVISION 606 AND 623 OF REPORTING OUTDATED PUBLIC RECORDS AND AUTO LOAN ... ... NOT MY ACCOUNTS

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. (SD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been charged a lot a fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or 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 08-01-2016 about Debt collection (I do not know) with Penn Credit Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Constant calls -- over 50 calls from XXXX asking for someone other than me. 

Extremely invasive. I am a senior citizen and the unceasing calls are stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with Eastern Asset Services LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i was unaware that i owed anything GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There is a Fee that has n't been resolved. After speaking with Various Bank of America loan specialist, a " XXXX '' Fee of {$540.00} is still being charged to my Mortgage Loan. The employees have made up various stories to justify the fee. The reality is that the specialist themselves have no idea what this fee is. The specialist have said that " the house was in foreclosure. '' Which is not true since the house was and has never been in foreclosure. Another even had me go to the city of XXXX XXXX to discuss with them the fee the city then again said that this fee was n't coming through them. Back to my point that Bank of America has no evident proof that I should be charged this.

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 04-09-2016 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home earlier this year using Pentagon Federal. Escrow signing took place on XX/XX/2016. I received a letter from XXXX today XX/XX/2116 dated XX/XX/2116 letting me know that the ownership of my XXXX lien mortgage had been transferred by Pentagon Federal Credit Union to XXXX. This transfer was effective XX/XX/2116. I never received correspondence from Pentagon Federal or XXXX letting me know that this was going to occur. It was my understanding that I had to be notified 15 days before the transfer became effective.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/18 Consumer received a notification through a credit monitoring service that a New Hard Inquiry has  taken placed. 
A new hard inquiry with no applications made by consumer to have an inquiry.

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 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning, via email. When I tried to resend them information showing it was paid with receipts, their system refused to let me up load or resubmit and investigation. I called them and placed on hold, and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me, will not file disputes correctly, and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid, example the balance will say zero, but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do, I have supporting documentation that these accounts are paid, I have had some credit issues, but I have paid them, it is only right by law they correct the information and not in a way that damages me further. Because of the way that Experian reported information, my credit score dropped by XXXX points even though it was paid, it was strictly because of HOW they reported the information. With the creditor XXXX, I have shown bank statement and screen shots that these bills are paid and they keep them on my credit. They also have XXXX different social securities numbers on my report and every time I call a number then I am transferred 4 times. Please help, I do not want to hire a lawyer because that is more money out of my pocket,. Thank you

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 03/28/2017 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Managing the loan or lease

Complaint: I have a loan with Republic finance. My wife went in to pay XXXX on my account and the cashier charge her XXXX when my wife looked the receipt upon walking out of the door she noticed the XXXX. So she asked the cashier " Whats going on '' and the cashier proceeded to play stupid. At that moment, my wife asked for a print out of my payment history. When l looked over the history I noticed payments lower than I had paid. My account balance is n't right - not even close. I should owe right at XXXX. I found it odd when I first went to make my first payment the cashier told me they do n't take debit. Now I see why because they are beating the customers. I 'm sure I 'm not the only one they are stealing from. The extremely high interest they charge loaning to customers they know will never get out of the loan does n't seem to be enough for Republic finance. Also, I 've never been late. I was told I had a ten day grace period so why is it showing in my faulty pay history as being late. My Balance is far from right and I expect for it to be fixed. I reached out to the corporate office and have yet to hear anything back from them. I do intend to take further action. Republic finance should be fined and put out of business for stealing from customers and luring them into more costly loans. Also I never gave finance Republic to give out my payment history to anyone not even my wife which is also violation since her name is n't on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with CURO Intermediate Holdings (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR REPORTING ACT

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