milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am being contacted by XXXX XXXX XXXX about an account that is not mine. I have advised them several times that the account is not mind as I am a victim of identity theft. I have filed a police report can advised them of the same. However, they continue to contact me by phone and harass me into giving them a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Deposits and withdrawals

Complaint: PNC Bank Services has interfered with my financial relationship at a company called XXXX XXXX XXXX loan by paying them money not in my account. They have for XX/XX/XXXX penalized my account for insufficient funds after they made this payment, and as of Friday, XX/XX/2016 held my direct deposit from social security retirement hostage where I can not asses the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Credit card () with COMMERCE BANK (KS).
Issue: Late fee

Complaint: Commerce Bank failed to update my address despite multiple requests. They then charged a late fee because I did not receive the bills they continued to send to my prior address, and refused to refund the late fee that they caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I paid off my car they kept deducting payments from my checking account. They then sent me a refund check and then put a stop payment on the check fifth third bank buyer beware

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  paid and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.

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 12/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I send a debt verification letter to Receivable Performance a collection agency. The agency dont answer the letter. This agency report the account # XXXX to XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ). I have copy of the Certified Mail Receipt and USPS tracking card and copy of debt verication letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic.

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 04-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Transaction issue

Complaint: I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. 
They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. 
I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Hameroff Law Group, P.C. (AZ).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth with them  since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threatening m e.

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 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was going to cosign for an automobile but changed my mind when the dealer stated there was fraud protection on my report and the dealership wanted me to phone and have it removed. I refused and asked that my application be eliminated. I no longer wanted to act as co-signer. However, a few days later I received correspondence from XXXX XXXX XXXX that provided 2 versions of the facts. One document claimed that the dealer did not obtain my credit report while another document dated the same date stated that the dealership had obtained my credit report. I also received a document from XXXX XXXX Application # XXXX that claims they were informed by XXXX XXXX XXXX I was seeking finance. This is false.

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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has placed a collection on my credit despite the fact that their parent company was paid by me. Equifax has this reporting as account # Account # XXXX, however my Account # XXXX was the number listed on XXXX bill. The patient # XXXX. I sent them a check on XX/XX/2016, it was received and withdrawn from my account on XX/XX/2016. They have not removed this from my Equifax profile. I have attached a copy of the cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account with XXXX XXXX, disputed and requested validation. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at Simms Associates. 

I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates, then someone else did, and did so illegally. 

Simms Associates told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Prepaid card (Gift or merchant card) with TRANSCARD, LLC (NY).
Issue: Fraud or scam

Complaint: We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation