milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit card protection / Debt protection

Complaint: I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX  XXXX XXXX XXXX credit card, which is issued by wells XXXX XXXX XXXX XXXX, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from XXXX XXXX XXXX. 
The credit agency that ran my credit without my approval is TransUnion.

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 06/13/2017 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: I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Struggling to pay your loan

Complaint: on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (AK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I believe this company AES is not acting in my best interest. I went to XXXX College in XXXX and XXXX College in XXXX. I have been struggling since I left college with just my XXXX degree, I asked this AES company for help at the most desperate time of my life and feel as though they took advantage of my situation by altering my original balance and adding unjustified fees to balloon my balance. As of today I am still struggling, but I have paid this company {$17000.00} since leaving college in 2010 with an original balance of {$22000.00} and this company AES has ballooned my balance to {$31000.00}. My attempts to contact this company by phone to complain are met by absurd wait times that I can not meet, yet this company AES has no problem sending me automated phone calls anytime I am late to pay and spamming my e-mail with do-not-reply e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GreenSky Trade Credit, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went to the local carpet store being new to XXXX and wanting to support local business. The dealer XXXX XXXX took the order and said it would take a week to ship the carpet from GA. I said that was ridiculous but okay let 's schedule install date. We did for 2 weeks to allow carpet to be in their store.

They ever ordered the carpet and said it would take a month. I had given them a deposit on my Bank of America Credit Card. I called the mill and they said from GA to XXXX it would be 2 days, that the carpet had not been ordered was not a special order carpet as it was free run wall to wall not a designed cut and bound one which would take a week.

As it had been three weeks, and one can go to any carpet store in America and pick regular stock and it is ready to be installed that week, if not the next day or 2, I said I was cancelling the order that I no longer believed anything the dealer said as I had previously worked in carpet and flooring.

They said fine, but they were due a cancellation fee. I said no, it had never been received and according to the carpet mill never ordered. It was never in stock at the store. They said well they had to pay the Mill a restock fee. 
I patiently explained that was an issue and contract provision between the store dealer and the Mill, it did not include me and I would not pay a restock or cancellation fee. I believed the Mill and the dealer never ordered the carpet.

I called Bank of American, they agreed with me and reversed the charge to the dealer. All was well, until the dealer had his Merchandise Group complain to Bof A. Without telling me they not only reinstated the amount paid but without my permission of knowledge paid the dealer the entire amount for the carpet.

I never signed for it, the carpet was never received. Talked with BofA and they said the Merchandise Group complaint was so strong and they were all BofA customers and I just an individual that they reversed their decision and ordered the entire carpet, though never in stock, never installed as owed and paid the dealer.

My bank of BofA in XXXX with whom we had banked 26 years called them on my behalf and told was a new customer as far as they were concerned and that the Merchandise Group held power and were collectively and individually more capable of bringing BofA funds. 

So, BofA put this on my credit report and it is affecting my ability to get a mortgage. I do not owe this debt, nor should this be in my credit file. 

I cancelled my account with BofA and returned their shredded card to them at the local XXXX XXXX. 

When this sprang up after I applied for a new mortgage I went to the XXXX. Attorney General who suggested that I contact you. 

Please help. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017 due to GROSS NEGLIGENCE, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had identity theft. It was over XXXX worth on XXXX cards. From the XXXX data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2016 at XXXX EST I got a call in reference to my late car payment with Hunting bank from phone number XXXX. I paid the car payment hours earlier today and before the representative called. The representative started giving out my personal information including year make and model of my vehicle and past due/payment amounts before they had officially verified it was me on the line. They literally asked If I was ( my name ) I said yes, did not ask another question. If it had been anyone else on the line they would have continued the discussion giving out my personal information but I informed them I was upset and they told me that this is how they do business and they did nothing wrong. No apology or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Managing, opening, or closing account

Complaint: My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Credit card () with WELLS FARGO & COMPANY (KY).
Issue: Balance transfer

Complaint: I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/20/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Assent Inc. (CA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with I.C. System, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian is breaking the law by not allowing me to dispute inaccuracies on my credit report. They claim they are not obligated to re-investigate, when by law I am permitted to submit my disputes as many times as I want. They do not allow re-investigations which is against the law. I have filed a complaint with the FTC as well. These accounts are not mine and should be removed, however Experian refuses to allow my disputes to be processed claiming I am filing frivolous disputes. They are not frivolous as XXXX has removed the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX xxxxx

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