milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from my 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 monetary relief
Consumer complaint received 11/24/2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Credit card protection / Debt protection

Complaint: Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Capital One credit card, ending in XXXX, with an expiration date of XX/XX/XXXX, show up on my credit report as being delinquent due to a purchase at XXXX XXXX on XX/XX/XXXX for around {$25.00}, total due showing as {$89.00} due to late fees and interest charges. 

After seeing this information on my credit report, and that it had dropped by credit score by nearly XXXX points, I contacted Capital One to discuss the matter. I told them that I had not used the card in close to 8 years and that the card had expired on XX/XX/XXXX. They were also able to confirm this. I also had never renewed the card when it expired on XX/XX/XXXX. Certainly the account would have been automatically closed within nearly a 4 year timespan of the card expiring as well. 

Not only did I not make any purchases with the Capital One card for nearly 8 years, on the date of the transaction, I was in the hospital with my with my wife and XXXX daughter who was born at XXXX on XX/XX/XXXX. Capital One advised me that it was an actual credit card swipe on location at a XXXX XXXX store. While I can imagine a credit card purchase being done online using an expired credit card, the expiration date is coded into the magnetic strip which would not process at any modern POS credit card processor. 

I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase has withdrawn money from my personal checking account ( non chase account ) for over four years. When I called Chase ( five times on XX/XX/2016 ), to inquire about the Chase account where the money is going, they were unable to provide the information. I provided the routing number and account number for the account that they have withdrew money from and appeared that Chase was unable to track where this is going. Furthermore, Chase did not comment when questioned bout the authorization of auto pay from my checking account ( non-Chase account ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Initially I disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.

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 Convergent Resources, Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   Convergent Outsourcing XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tranunion allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX on XXXX/XXXX/XXXX. I wrote them on XXXX/XXXX/XXXX proving identity theft, no response. 

XXXX allowed 3 unauthorized hard inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I wrote them proving identity theft on XXXX/XXXX/XXXX, no response.

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 08/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a solicitation for a credit card from Elan Financial for a Fidelity branded credit card. The application was rejected and XXXX claimed I clicked decline on the online application. I asked to rectify and they said they would not honor the offer and they offered another card with less favorable cash back terms. The original offer had not expired and their behavior was typical of bait and switch schemes. 

I have sustatial deposits with Fidelity and a 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 non-monetary relief
Consumer complaint received 07/27/2017 about Student loan (Private student loan) with SUNTRUST BANKS, INC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP ME.

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 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a good credit standing with XXXX for over 2 years and paid in full.. XXXX is only able to report my good standing paid in full with XXXX, as XXXX and Transunion are no willing to report closed accounts that had Ch XXXX prior to getting the loan. XXXX XXXX issued a letter and an apology fearing if they report it to TransUnion and XXXX, the XXXX agencies will report me as open account which will cause me more harm. I contacted Transunion and spoke to a supervisor name XXXX and I wrote to XXXX & both agencies are not willing to help me.

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 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Colony Brands, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a listing on my credit report with all XXXX bureaus for a collection company called XXXX. I have disputed this account with them for the past 3 years and they continue to report to the credit bureaus that the information is correct. I have contacted them myself several times requesting that they provide me copies of all bills and a breakdown of what is owed. I believe that they have combined a XXXX Gas and Electric bill an reporting it as the same bill. The problem is each account has a different last payment received date and they are reporting inaccurate data. I have also filed a complaint with the attorney generals office on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the debt with the company and was advised that the debt would reported as paid in full and be reported to the company as paid and they did not report what was promised. I am showing a balance and have contacted the company on several occasions to get this taken care of

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 07-09-2015 about Debt collection (Auto) with CIG FINANCIAL LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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 04/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Despite my on time payments and credit score rising 100 points form XX/XX/XXXX to XX/XX/XXXX credit score was lowered causing utilization to rise and credit score to drop. Criteria used to determine the decrease was pulled in XX/XX/XXXXbut score used was fromXX/XX/XXXX without my authorization. Creditor directed me to contact XXXX who is not responsible for the decision. Creditor is Walmart/Synchrony.

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 06-08-2017 about Debt collection (Other debt) with RGS Financial, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe this company anything, all equipment was returned. This is false and a scam.    RGS Financial  #  XXXX  {$790.00} Requesting this be removed

Company response to consumer: Closed with explanation