milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was a XXXX customer for over 12 years. One day I got the family plan with four phones. They told me that I qualified for a free tablet. I told them I didn't need it, wanted it or the extra cost. They told me it was free and wouldn't cost me anything. I asked is it 100 % free and they said yes. So I agreed to take it. I was told the bill would be about {$200.00} a month and I would also receive a {$600.00} rebate. It was not a mail-in rebate it was an in store rebate and there was nothing for me to do. 

The first bill was higher than expected but they told me that would happen so I wasn't worried, cause this happens every time I got a new phone with XXXX. On the second month the bill was still over {$900.00} I called them up and told them about the rebate that they never applied. after a few months of this happening I noticed that my bill was closer to {$270.00} a month. 

When I asked why it was so high they told me it was because I had five lines and I was paying for equipment cost. I told them I only had four lines and that I didn't have an equipment cost cause I got the free phones.They said I had a tablet and that was the fifth line and the equipment cost. I asked about it being free and they said that it didn't cost me anything the day I got it. I explained to them the meaning of " free '' but they had a different definition.then I did. I told them that I wanted to return the tablet and remove the phone line. I was told that they could not do that because I had the tablet for so long. I would have to call up XXXX to get it removed. 

When I called XXXX they told me I would have to pay a cancellation fee and pay off the tablet. I was not allowed to return it. The service at this point was so bad that I decided to cancel the entire contract. They originally told me I owed them {$900.00}. I asked about the rebate and they said I wouldn't get it cause I was canceling my account. I told them I wouldn't cancel if they got my bill right and give me what was promised. 

A few months later I got letter from a Debit collector claiming I owed {$1800.00}. I explained the entire story to them and they said they would close the account for {$1200.00}. One day I was looking at my credit report and noticed I had a collection notice for {$1800.00} I filed a dispute and for the past three years I have not heard from them or had a remark on my credit report. A few months ago I got a call from a debit collector telling me I owed the money. I now have a negative remark. After three years of not hearing from them they are now trying to collect on a debt that was taken care of? Can you please help me with this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.

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 11/27/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Last month or so, attempted to open account with SIMPLE bank. A month later, told that they could not read my information in photographs. They told me to take photo of myself outside of my home. Attempted to send, my account was closed before I could send. Re-opened account again, send photos via their website and also e-mailed PDFs for easier reading. They had problems with this, but refused to tell me what the problem was. I resubmitted again. They had a problem and refused to tell me what it was. As they told me to try to send materials again, an actual employee of SIMPLE DELETED my information and altered the information of my account! I attempted to create a new account and their " system '' blocked me from re-creating. Employee at SIMPLE told me there is nothing they can do. That they can not control their system whatsoever. Additionally, employee could not tell me what was done with my very sensitive files. They refuse to tell me whether it was sent to a secured e-mail or whether it will be properly deleted. This process took several weeks and no one at SIMPLE is held accountable. Worst of all is, I have NO IDEA what they are doing with my information. If I can not become a client, why ca n't they tell me what they are doing with my personal information? I am now left at risk to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Being sued by debt collector XXXX XXXX for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XXXX or XXXX. My husband and I filed bankruptcy due to an auto accident in XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company capital one started reporting on my credit report that I opened said account in XXXX. Yet I never had attempted to open any credit account in XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is 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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought a car, for parts, from XXXX XXXX. I paid {$200.00} for it and she gave me the title which had not been transferred into her name. She wrecked the car before registering it. She had a friend take the car to work on it. Said friend went to jail. The car was on XXXX XXXX in XXXX. When I went to get the car, I was told it was n't the car I had bought. When the gentleman let me look at the car, I could tell he had put a different Vin. # on top of the original one. He said he had no keys to open the door. He and his friend got aggressive towards me and told me to leave. I went to the city of XXXX with pictures of the car in his yard. They said XXXX was in the county jurisdiction and would not go with me to try to get the car. The Shefiffs department would not go either. I never had the car in my possession. The car was burnt up and towed to XXXX & XXXX XXXX in XXXX. They put a lien against the car and billed me for {$2000.00}. I explained that the car was never in my possession therefore I was not liable for bill. They then sent the bill to a collection agency, who in turn billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction issues

Complaint: On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been contacted by XXXX XXXX XXXX about a credit card that is in my maiden name and the last XXXX of the social match mine but it is not my credit card. The bank has turned it over to XXXX XXXX XXXX but it has been linked to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I complained on how the information has been re-reported. I have paid off or brought current all items on my credit report with the exception of XXXX ( in the amount of $ XXXX.my car payment is current, my student loans are current. I have tried repeatedly to have my information updated correctly. I understand that things can be reported up to 7years, my problem is, when I dispute an item the company will report the " account '' as paid, but the " lasted '' reporting is still reported as " collections and so is the " payment '' history. I would just like everything updated correctly to reflect these account were in fact paid. reguardless of previous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Been receiving multiple calls per day from XXXX, which leaves a prerecorded message to call regarding a debt. It also gives an option to speak to a representative. I opted to do this to find out what this is about. The operator asked for a relative, who has never lived with us yet our number was the one they had on file. I told them that the person they seek does not live here and asked to be removed from their caller list. The operator said he could not do this without a new number being given. He also said they are not required to stop calling. 

This is simply harassment by proxy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 will not allow your to file a dispute reference am error on your report.   ive tried numerous time but I continue to get a message that they are unable to help and to contact them when you call them you are placed on hold and then dis-connected

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 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was in a car accident XX/XX/2012. I was with XXXX XXXX XXXX insurance at the time. I sent all bills to them, and they missed paying an {$880.00} ambulance bill. A year later, I began getting collections calls so I called the insurance company. They acknowledged missing the bill and agreed to take care of it. I checked my credit report today and the collections is still on my report for {$440.00} - the insurance company only paid {$430.00} and did not pay the remaining {$440.00}. This collections is now damaging my credit report even though I was not responsible for that bill. I never received a collections call or bill for the remaining {$440.00}, otherwise I would have called the insurance company and demanded they pay again. Without a bill or phone call, I never even knew I had {$440.00} in collections due to this insurance issue. My credit score is significantly lower than it should be because of this collection.

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 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I pay Chase Bank weekly for my credit card bill. Despite receiving my weekly payments that cover the monthly charges and late fees with extra to go toward my balance, Chase calls me numerous times a day demanding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a security freeze on my credit file. So does my wife. Whenever we try to lift our freeze temporarily we ALWAYS get the same warning " Were sorry there is a technical problem with our system ... .... '' We try to phone in and the automated telephone system doesn't work either. It only allows you to place a freeze on your credit, but you cant go through the automated system to lift it. You can't even talk to someone, you go through all the menus and you just go round and round hearing the same recordings over and over, and can never talk to someone in person. We need access to our credit and Experian is holding it hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 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: On XX/XX/XXXX, I went into XXXX XXXX XXXX XXXX on XXXX, XXXX , Texas and spoke with member service in regards to inadequate information on my credit reports. An Officer of the bank provided a letter in regards that I was never late and this account should be close with no negative remarks. This account was closed in XX/XX/XXXX; however the bank officer I spoke to at the time of closing my account did not show a balance owe to this account. The bank charged me a NSF fee after the account was closed which I do n't understand. I paid this account in XX/XX/XXXX in order to open an account at another bank. I submitted this letter and dispute the information online with Experian ; however, Experian updated reflected this account was charged off XX/XX/XXXX instead of XX/XX/XXXX once the account was closed. I disputed this information again with the bank because Experian stated they updated my information based on the creditors statement. This action caused my score to drop 24 points.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report to find several unauthorized hard inquiries without permissible purpose by American Express on the following dates : XX/XX/XXXX,  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I only applied for ONE card with American Express on XX/XX/XXXX and for which I was approved but then AFTER my approval I was hit with 5 additional inquires that I did not authorize nor give any permissible purpose to access. When I contacted American Express they informed me that these would be " soft inquiries '' and that they would " fall off '' within 3-5 business days. They indeed are NOT " soft inquiries '' and have not " fallen off '' in 3-5 business days. Therefore it is my specific request that they be removed from my XXXX report as I did not give any permissible purpose for them to access my credit report past the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Billing disputes

Complaint: Capital One refuses to open credit card dispute/chargeback over the phone even though their web site advertises that you can open a dispute over the phone. http : XXXXI called them twice and they refused to open the disputes both times and tried to forward me over to the merchant instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.

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 03/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.

Company response to consumer: Closed with explanation