milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Billing disputes

Complaint: I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX score is lowered due to " Lack of recent installment loan information '' and " Too many accounts with balances ''. The source of the information is reported to be Equifax. With regards to " installment loan information '', the XXXX report says my Equifax credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. '' I have no loans, so this is what should be reported, and my XXXX score should not be lowered based on incomplete information by Equifax. With regards to " too many accounts with balances '', I have no account balances. I pay my credit card charges at least weekly, and the temporary balance for a day or XXXX is never more than 5 % of the limit on the card and is usually under 1 % of the card limit. My Equifax report contains errors, including data pertaining to individuals other than myself, which I have not been able to get corrected. They may be reporting those individuals ' charges to me. To resolve this, I would like to know what account balances Equifax thinks I have which are being used to lower my XXXX score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jomax, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.

Company response to consumer: Untimely response
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (Money order) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Lost or stolen money order

Complaint: On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: items show paid off

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 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Money was not available when promised

Complaint: XXXX XXXX wo n't allow me to buy bitcoin and link account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Harassment, mocking me, nagging, does not record my calls! Does I have tried to pay in the past and the amount is never good enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Transaction issue

Complaint: I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Bank of America. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I am in correctly being wrongfully reported as, " late payment '', on my car loan. I bank with Wells Fargo and have a car loan with their, " Dealer Services '', division of Wells Fargo Bank. I sent XXXX payments to Wells Fargo through their bill pay portal attached to my checking account to pay for my Car loan payment. In XXXX occasions the payments were not processed immediately, they were processed several days after I had authorized the payment and thus rendered late by, " Dealer Services '', claiming that they are separate divisions and if I want a payment to be process immediately I have to do it through the dealer portal, which I since have started to do. The last payment that was authorized on Saturday the XXXX / XXXX / XXXX and was not processed until the XXXX/XXXX/16 on the other end of the, " Dealer Services ''. This is the same bank, Wells Fargo, and they have deliberately reported negatively to stop me from pursuing a refinancing on my car loan that is at an Extortionate rate of XXXX % for this loan. They refuse to refinance it and are attempting to sabotage my credit score by withholding payment and not processing my payment on time to impact my credit score. 

Please help me take these negative listings off as they are the only negative information that is on my credit report and impacting my ability to qualify for a mortgage loan. 

Thank you very much for all your help and great service you provide to the consumer.

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 10-07-2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.

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 05-10-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

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 08-07-2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I, an XXXX XXXX, cardmember with Discover Card. I just discovered that the interest on my Discover card was very high. I had noticed this awhile back but, did not have the time to check into why it was so high. I contacted DiscoverXX/XX/XXXX to discuss several issues, and the one I could not get a good answer for was being charged two interest rates since XXXX. I discovered that I have be charged since XXXX, and extra interest rate for missing a payment. I when I stated I have not missed a payment, I was then told it could be charged for a late payment. I have had s few late payments, however I have not missed a payment. 

This situation upsets me because I was not notified that this had happened at a time that I could have disputed it sooner. Also, how do I know as a consumer that the person that put this on my account was not having a bad day and decided to take it out on me. I should have been notified that this was happening so that I could dispute it right away.. At, the present time, no one seems to be able to tell me what or who decided this so that I could speak to them to correct it. No one should be able to add charges to your account without you knowledge, I have been spending a lot on interest and was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: wrongful closure of my credit cardsContacted the company directly the response was " bank policy ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief