milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX  and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on 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 04/20/2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Nissan motor acceptance company has called me at least 31 times in about a two week time span. We are n't even XXXX full payment behind. They have called me over 6 times in one day at some point also. It is causing issues at work to have them repeatedly call my phone

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I used to live in a town home complex and moved out in  XXXX   XXXX  and have n't heard from them about any money I owe. I am now living in my own house that I purchased. According to  Professional Debt Mediation ( de bt collecting company ) I owe my old town home complex almost {$300.00} and there 's no reasoning as to why I owe them money. But I would think that on my credit report for buying my house, that was run back in the end of  XXXX   XXXX  that payment, would have shown up or I would have received a letter. I have blocked the phone number that has called me multiple times and I told them to stop contacting me. Now this company has sent me a letter saying I need to send a payment to them in  XXXX    XXXX   and I 'm living in  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sometime around XX/XX/XXXX, I understand that Pendrick Capital Partners purchased an account from XXXX XXXX XXXX XXXX. The amount of the debt was supposedly {$870.00}. Since that time, they have farmed out collection of it to a half-dozen different debt collectors. I have explained on multiple occasions to their hired agents that I had insurance which should have covered the entire amount due to the ER. Then, around XX/XX/XXXX, Pendrick hired a company called XXXX XXXX XXXX in Pennsylvania to try to once again collect the {$870.00} it claims ( wrongly ) is owed. I looked up XXXX with the Florida Office of Financial Regulation and quickly saw that XXXX is not licensed to collect debt in Florida, as state law requires. How is it that I, as a single consumer, can quickly check into this and see that this debt collector has no legal ability to collect debt in Florida, yet a company as large as Pendrick does n't bother to do so? Take a look at the Florida consumer collection agency license. It reads in large capital letters that was REVOKED. This means nothing? So besides a debt which has been disputed and shuffled around to a half-dozen different collection agencies, Pendrick Capital has hired an unlicensed company to collect on a debt that should n't exist. This is all very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, Ninth Circuit, No. XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I authorized a payment from my CapitalOne 360 checking account to my CapitalOne credit card on XXXX/XXXX/16 in the amount of {$200.00}. The credit card processed this payment on XXXX/XXXX/16 and then attempted to take the payment out again on XXXX/XXXX/16, resulting in a notice of insufficient funds. I had not authorized this second payment and can not get an answer from the company as to why they attempted to take money from my checking account twice. 
In addition, this credit card company imposed a 17.9 % interest rate on my card without notification. This rate is much higher than what was projected when I signed up for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.

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 06-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked numerous times to get a letter in writing about the account in collections. They state they will not  send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They call 3 to4 times a d ay and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: filed a complaint with them already threw her debt is from XXXX there response threw her was they did not have info on me now they sent me a collection letter today. asking to deal with them instead of you guys ; its past statue of limations dont remember having XXXX did not send info about the account no right to dispute to. my last name was brand so they have no exuse this time not finding me

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a interest only loan. Every month I try to pay what I can to reduce the principal balance. Bayview was applying the extra payment to the principal until XXXX 2015. Although I 've told them verbally and in written many times to always apply the extra money to the principal, from XXXX they chose to apply it to future payments. Any intent to correct that takes at least XXXX to XXXX calls over a month to their customer service department because the agents have no clue how to verify if the correction was made or not. They do n't even know how to read their system and most of the time is wasted in them trying to understand if there was a misapplication reversal or not. Each call takes between XXXX minutes to over an hour. When you ask to talk to a supervisor, they transfer you to a " never stop ringing extension ''. There is no one to complaint about. They just say sorry and apologize but do not provide a resolution and as a client you feel completely mistreated. I wonder how these people can handle something as important as loan payments and they are not even trained to do that. I am attaching an email that I sent them in XXXX XXXX and they replied on XXXX XXXX. The same day that they made the misapplication again for the following month. In the statement they request the payments to a XXXX XXXX XXXX in a letter they sent me they suggest to send the payment to their address in Florida in order to " ensure proper application ''. This is contradicting. Why do n't they have the Florida address in the statements? Why would they not " properly apply the payment '' when I send the payment to their XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: APR or interest rate

Complaint: Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NJ).
Issue: Taking out the loan or lease

Complaint: A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Forbearance / Workout plans

Complaint: Capital One Bank and their lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa filed suit against me in XXXX XXXX, case was dismissed on XXXX/XXXX/XXXX in XXXX XXXX PA Dockt XXXX by XXXX XXXX. Sheriff dept has posted XXXX notices on my door, with XXXX Tape, telling me that I am being served under this same docket again, and when I look up docket, case is scheduled to be heard again in XXXX. My rental property was severly damaged by hurricane XXXX in XXXX XXXX, and I tried to negotiate with creditors including Capital ( 5 year 0 % percent interest payoffs ). They would not cooperate and I could not afford to pay their high interest. XXXX is suing me again and my story is the same again. Give me a 5 year payoff at 0 % and I will make good on this balance. I also recently received a demand letter from what appeared to be a XXXX branch of capital one for the same dollar value and I wrote back explaining the same, is this bank for real? All I want is a reasonable payment to settle this account, if you sue me, I will eventually file bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with Vermont Student Assistance Corporation (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: VSAC 's standard practices with respect to its XXXX/autopay system have resulted in ( 1 ) an unwanted forbearance, on XXXX occasion ; and, on a separate occasion, ( XXXX ) {$72.00} in overdraft fees. This is what happens. A borrower can elect to use the XXXX/auto pay system. When he or she wants to add an additional amount of payment that will be debited from his or her account, it takes three days to process that change. VSAC DOES NOT ALERT THE CUSTOMER TO THAT WAITING PERIOD at the time he or she enters the change. If ( as was the case with me ) the next regular scheduled payment falls within those three days, VSAC has done one of two things with me. The first time this happened, it triggered an unwanted forbearance so that the system could catch up with the change over the course of the next month. I would have obviously rescheduled the change to avoid that forbearance. When I called, I was shocked to hear that there was " nothing they could do. '' Well, that artificially EXTENDED THE LIFE OF MY LOAN, due to no fault on my part, and due to their failure to warn me of the three day waiting period. The second time I changed my amount ( also within the three day period ), rather than trigger a forbearance, VSAC accessed an older checking account that I have not used for payments in years. Because there was no money in that account, I incurred XXXX overdraft fees. THIS IS RIDICULOUS. I want my overdraft money back, and I want any interest that accrued on my loan to be paid back. If, on a national level, and as a standard practice, they are not warning folks of such issues with changing the payment amount on autopay within three days of the next regularly scheduled payment, then they ( potentially ) are costing borrowers thousands or millions of dollars in overdraft fees, and are ( definitely ) extending such borrowers loans by triggering the unwanted forbearances.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I had contacted this company XXXX XXXX  to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

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