milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is my second time trying to fix a error on my credit report. Experian has a account on my credit report 3 times same account numbers also account XXXX account number XXXX. That is a violation of FCRA please help me fix is error. Enclose is proof.

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 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has send for collection the amount of {$78.00} under my name. this account in question has been reported six time on all credit bureaus from XXXX to XXXX, XXXX under XXXX XXXX XXXX ( collection agency ). 
After I learned about it, I called XXXX XXXX XXXX ( about a month ago ) and they agreed to correct this issue as it was wrongly reported and set in collection by them? ( the account was paid in full and on time every time ) this morning XXXX/XXXX/2016 I had to call again because as I mention this still being reported and affecting my score. 
Now they tell me that it would take another 30 days before anything will be done? Why and what is it about XXXX XXXX XXXX that they can just followed through on matters like this one? 
I would like to have this information cleared from my report ASAP please.

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 06-06-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.

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 06/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: JCPenney master card credit card has been the stress of me first they have fought with me over saying they were not recieving my payments & this was 5-8or more times its screwed up my payment history, got lots of certified mail, calls at all hours it has been a nightmare. Ive never disliked a credit card some much & they have not even worked with me only fought with me & treating me like I was lying & got threats they I would be sued more than once. This has truly stressed me out & made it hard to sleep, charges were made on this card that werent even from me & they kept not helping so I didnt know what I could do but I just wan na fix this mess once in for all. My phone number is 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 10-08-2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Account opening, closing, or management

Complaint: CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (VA).
Issue: Unauthorized transactions or other transaction problem

Complaint: My Google Wallet account was hacked and two fraudulent transactions were made without my consent on XX/XX/XXXX and XX/XX/XXXX. These transactions transferred {$1400.00} directly from my checking account. I called Google Wallet support immediately upon seeing the transactions and explained to them that they were fraudulent and requested the charges be reversed. After many conversations and time spent on hold they informed me that the charges were not fraudulent and they would not be refunding my money. I told them if that was their final decision I would issue charge backs with my bank. 

I called my bank who informed me they could try to put a hold payment on the transactions. The end result of the bank issuing a hold on the transaction was the money being refunded into my checking account. 


After this happened, Google Wallet suspended my account, which also suspends your XXXX   Payments account. I submitted verification paperwork to reopen it which they did. unfortunately shortly after this, they must have processed the second charge being held at the bank and suspended my account again. Essentially they suspended me for the same thing twice ... At this point they refused to reinstate my account. 

The effect of this is you can no longer use most XXXX services, including XXXX XXXX, or the XXXX XXXX XXXX, since you have no way to pay them. All payments go through XXXX   Payments. 

I am now in a situation, after spending maybe 20+ hours on the phone with XXXX begging them to reinstate my XXXX Payments account, where I must find a new cell phone provider since I can not pay my XXXX XXXX  bill. I also can not use the XXXX XXXX XXXX anymore, which effectively makes using an Android phone useless. So now must change phone platforms entirely. 

All of this because they will not reinstate my suspended account so I can pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never recieved any notice of the debt and when I asked for verification it was never given they have also reported on my credit file that this account is verified by the Fair Debt collection Act which they have repeatedly violated and disregard by not giving me noticed to dispute and a copy of the original contract with my alledge signature.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep recieving calls from a company, OSC-LLC, phone number XXXX, trying to contact a person who does not live in my house. I get a recorded message saying to press a button to speak to a representative, or to call back with the case # # # # # #. I have called back to this company and informed them that the person they are looking for is not a member of my household and to stop calling me. Last week I spoke to a male at this company and was assured that they would take my number off of thier list. Today, XXXX, I recieve another message from the same company. I am going to call them back XXXX more time and get an address to send a letter from my attorney.

Company response to consumer: Closed
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFIN, INC falsely reporting a paid account. 

I had only had XXXX XXXX account from when i was married, it was reported to my credit report XX/XX/XXXX. On XX/XX/XXXX This account was settled and paid to XXXX, i send to all XXXX credit bureaus XX/XX/XXXX and now its re-reporting from AFIN INC. so I called the company at XXXX and they wont send verification of dept and cant tell me anything other then to pay. I have also received a sarcastic voice mail from this company on XX/XX/XXXX form XXXX then an automated one on XX/XX/XXXX from XXXX both stating they are with AFIN. Ill provide XXXX attachments Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account with  XXXX   XXXX    XXXX   in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX    XXXX   is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX    XXXX   account with  XXXX , Equifax, and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX   in  XX/XX/XXXX   but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 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: Information belongs to someone else

Complaint: Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing/Cancelling account

Complaint: I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I went into a wells Fargo branch to open a bank account and credit card. The wells fargo banker kept pushing to sign me up for a cash wise credit card. I TOLD HIM I DO NOT WANT THE CASH WISE CARD. I wanted the signature rewards card. after we were done he said he signed me up for the cash wise card but I can switch the card after I get it. I made a whole commotion and started yelling at the banker until the branch manager came and said that after I receive the card I can call up and switch the card. I got th card today and called up and they refuse to switch the card.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Like the other complainants in the current suit against Navient and its subbsidiaries, I was not informed about the available options for payment, and this negatively affected my loan status. In my case, it resulted in the loss of 58 payments on my loan balance towards the 120 I need for public service loan forgiveness, adding more than 4.5 years until when my student loan debt will be forgiven as part of the Public Service Loan Forgiveness program for XXXX and costing me XXXX of dollars. 

In XXXX XXXX, I found out about the Public Service Loan Forgiveness program from friends who are XXXX. I called Navient ( then my servicer ) to inquire about my eligibility. I told them that I had been a XXXX since XXXX XXXX. They told me I was ineligible, that the program did not apply to XXXX ( This was, of course, untrue. The program has always applied to XXXX. ) I continued to pay the regular amount of my loan as assigned. 

Beginning in XXXX XXXX, I entered into several periods of forbearance with my loans due to my husband 's unemployment. When I called to arrange for these, I was not offered the option of income-based repayment. 

In XXXX XXXX, I inquired with XXXX, my current servicer, so I could find a list of the payments I had made and the reasons why only nine of my payments made since XXXX counted toward my loans XXXX, and seven of my payments made since then count for loans XXXX. 



Furthermore, just like the other members in the class action suit being brought by the attorneys general, I was never offered an income-based repayment plan in my periods of forbearance. If I had been offered an income-based repayment plan that would have offered LOWER payments than I was then making, I would have been able to continue making those lower payments. Of course, if I had n't been lied to about my eligibility for Public Service Loan Forgiveness, I would have made different decisions throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (MS).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Equifax in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Equifax. I sent another letter to Equifax making them aware of this & they still continue to report false unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account on my credit report that is not mine 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 03-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: It started back in XX/XX/XXXX when i requested a credit increase. Instead they decreased my limit to XXXX some how XXXX was about 100 points lower the XXXX and XXXX i have got that corrected and score went up asked again for a credit line increase they said no based on a score from XX/XX/2017 from XXXX stating its highly unlikely my score has changed much well it has as it has been 3 months and errors cleaned up on that 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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

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