milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit 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 07/27/2016 about Debt collection (Medical) with Credit Bureau of Carbon County (WY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: They called about a debt that was not done by me they said they understood but next day kept calling me and pressing me, i told them the situation and called or something to a Law Firm thats extremely far from me saying they will arrest me if i was pulled over or something.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's 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 10/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The principal balance of my HELOC was " forgiven '' by Bank of America, as result of the Department of Justice and XXXX XXXX XXXX global settlement with major mortgage servicers in 2012. Per the forgiveness agreement with B of A ( copy attached ), the bank was to " report to the major credit bureaus that your account was paid and closed. ". Contrary to our forgiveness agreement, B of A has reported the account as a charge off ( copy of XXXX Report attached ). My communication with the bank has not been successful in getting them to correctly report to credit bureaus.

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 06-10-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I spoke with XXXX XXXX XXXX. I told them that IXXXX was out of work and they agreed to allow me to make payments to them. They came to my house unannounced and removed some trappings from around my house. I was then contacted by Transworld, and the collector threatened me and said that this would be my only chance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Payday loan) with Midwest Recovery Systems (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: I am a customer of Capital One bank with a credit card account, my credit card expired and I never got a replacement card. In XX/XX/2016 someone or persons purchased items using my credit card. I worked through the issue with Capital One. The aggravation and lost time prompted me to ask for my account to be closed. 
They zeroed the account and then reissued a credit card to a person who called in with a change of address. That person charged more items and no matter what I do they do n't hear me. Every contact I have had with Capital One I have emphatically stated " Close MY Account. '' I asked for the proof that it was me who purchased the items. They have none. They will not set up an investigation. " Is there is nothing I can. '' Please Help

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. 

Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. 

I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. 

To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. 

This debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Ive been dealing with First federal credit control for YEARS now! They are Still reporting FOUR collection accounts on my credit report that should have never even been on my report to begin with! I had set up a payment plan with my doctors at university hospitals ( terms were I would pay {$30.00} each month ) but once the bills technically showed past 90 days they were reported to first federal credit control but they shouldnt have because, i was paying the {$30.00} each month and even have verification to prove this! I also have written verification from XXXX XXXX stating these accounts should have been deleted yet they arent and Im being lied too! Ive filed dispute letters with the 3 credit companies and first federal credit control! I spoke with XXXX XXXX via a recorded phone line on Thur. XX/XX/XXXX.. he informed that they did grant my request for all 4 collection accounts to be permanently deleted from my credit report and electronically filed that on XX/XX/XXXXto credit bureaus. YET all 4 are still being reported as of XX/XX/XXXX! Ever time I call its impossible to get through to anyone and am transferred to voicemails its such a joke, this company is a complete violation of basic consumer rights! Even when I do finally reach XXXX XXXX baxtor himself Im given complete attitude like Im annoying him, Im sorry Im sure he would feel the same way if he had 4 negative collection accounts on his report that shouldnt be there!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with Couch Conville & Blitt LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I was attempting to book a rental property and I was given the owners ( XXXX XXXX ) Wells Fargo Bank account info to deposit/wire the money. I went to a Wells Fargo branch and had them verify that the owners account looked to be legit account. They said it looked legit, but could n't say anything else. I felt more comfortable with depositing the money. The bank created a certified check for {$2700.00} from my Wells Fargo account and deposited it into what i was told was the owners account. 
I did more research the night I deposited the money and feel like i was part of a scam. My wife and i called Wells Fargo and found out that I would have to go into a branch to try and stop payment. 
I went into the bank at XXXX ( 21 hours after making the deposit ) and explained the situation and wanted to put a stop payment. They told me I had to go the legal route on this and they could n't do anything. 
I just received another email from the " Realtor '' ( XXXX XXXX ) saying that my certified check did n't clear. This is making me even more concerned that they are going to ask for more money and/or not provide any services ( rental property ). 
I was looking for the bank to care about cancelling the check from my side, but they seemed bound from doing anything. They also did n't seem to care that one of their accounts could be involved in a scam. 
After calling Wells Fargo around 10 times, someone actually filed a research claim to look into the check, but I still do n't get the feeling that Wells Fargo is going to take this serious.

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 12/18/2017 about Debt collection (I do not know) with FMA Alliance, Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have been receiving repeated calls ( XXXX calls from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - see attached documentation ) from XXXX XXXX who is attempting to collect a debt from XXXX people with the same last name ( see attached document ). My wife spoke with them on XXXX and informed them that the number they are calling belongs to us. We received the number from XXXX when we switched from XXXX to XXXX. She requested that we be taken off the call list which they said they would do. They have not, and they are continuing to call us. As the attachment shows, we receive multiple calls on some days.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with DISCOVER BANK (OH).
Issue: Rewards

Complaint: Discover Financial Services ( DFS ) utilized deceptive advertising to promote the use of XXXX with their Discover Card product and is not honoring payments promised to customers including myself. 
DFS issued a press release promising 10 % cash back on all XXXX transactions conducted with a Discover card from XXXX. htttp XXXX After the promotion started DFS posted updated the terms and conditions on XXXX/XXXX/15 which specifically excluded the purchase of gift cards related to this promotion. Starting around XXXX/XXXX/15, after utilizing XXXX for a multitude of transactions I began receiving automated e-mails from DFS, specifically XXXXXXXXXXXX, claiming I had purchased gift cards on certain transactions and requiring me to submit receipts in order to receive the previously promised cash back. DFS me advised to contact the merchant and/or DFS would contact them on my behalf. The requirement to retain receipts was never mentioned in either the initial press release or any updated terms and conditions on DFS related websites and I had not retained any receipts which I could provide DFS. 
I e-mailed the above listed e-mail address advising that I did not have receipts for the various transactions/merchants they were questioning and was unable to obtain them for the merchant. Only XXXX detailed receipt was obtained by DFS for {$410.00} on XXXX/XXXX/15 from XXXX. After I began receiving receipt requests I began keeping all my XXXX receipts, though not required by DFS ' stated terms and conditions. 
I am requesting DFS honor all my other XXXX Pay transactions and provide an accounting for the payments they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Credit card) with DISCOVER BANK (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 3rd party debt collector reporting debt with no contract agreement with original debtor. XXXX after removing information continues to go back and reinstate after 30 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 02-10-2017 about Credit reporting () with Innovis (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with BYL Collection Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation