milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Lexisnexis is now saying I may be a victim of fraud this is complaint So I ask what have they done to correct the information that they deem as a fraud. Are they still reporting said information as fact? What steps have they taken to correctly report information? Please advise..18th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address doesn't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that doesn't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXXXXXX XXXX Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX Not XXXX XXXX XXXX please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have 1 30 day late reporting on my credit reports with all 3 bureaus from KOHLS. 
I have been a perfect on time customer since XX/XX/XXXX and i have a 30 day late showing for XX/XX/XXXX. 
I had spoken to numerous personnel who stated that the late would be removed from all 3 agencies only to find they have not and will not remove it. 
I had spoken to 2 supervisors in XX/XX/XXXX in which they confirmed my late would no longer reflect on my report. On XX/XX/XXXX i spoke to a lady in the executive office who stated she will not remove the late payment mark.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX, 2016 To Whom It May Concern : Claim # XXXX As per your request I am writing this letter to tell the facts! 

I rented a room for my family at the XXXX. Which was unlivable due to the infestation of roaches, refrigerator not working or the stove and that is what we paid for, as we are a family and needed to cook. I was told by the manager/owner that I am the father I need to figure it out. 

Facts : The stove did not work The refrigerator did not work The tub did n't work however it was fixed a day later Neighbors screaming and jumping all hours of the night knocking on my door. 

I complained to Management they said they would take care of it, as we had to work the following day. Nothing was done about it. 

My Fianc was falsely accused of staying at the motel once before sneaking animals into the room without paying ; my fianc has never stayed at the motel before. They argued with us made us uncomfortable, called us liars etc. 

I paid for XXXX days and checked out on the XXXX day because our room was infested with roaches. 

I notified the Merchant and they were not helpful and did not want to budge. They did nothing to correct any of the issues ; they did not even offer any credits at all. 

I spoke with 2 managers and the owner and the owner was horrible. I immediately opened a debit card transaction dispute in direct response for the poor service and mishandling of my intended funds tendered in hopes of a quality weeks stay. Please note that I originally paid for XXXX nights, but I did not stay past XXXX nights and the entire amount is what I requested back. The provisional credit was given to me and all of a sudden snatched away from me, now leaving me in a further mess with a heavily overdraft account. I was out at dinner with my fianc and was extremely embarrassed by having my card declined in front of the restaurant. I have been through quite a lot and this is very deceptive and very harsh to have my bank that I believe knew the issue first hand with the investigation that created and now has put me in a terrible spot. 

I am contacting the CFPB to ensure justice and proper adjustments on my account are made.

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 06-12-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Advertising and marketing

Complaint: XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. 

Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. 

Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: A hold of {$110.00} was put on my american express server One VIP card Saturday XX/XX/2016 while checking into the XXXX XXXX in XXXX. I called the the hotel today Monday XX/XX/2016 to ask why the hold was still on my card when I checked out Sunday morning XX/XX/2016. XXXX advised they released the hold upon my checkout that it was my card merchant American Express Serve that still had the hold on my card. I contacted American Express Serve and they advised the could n't release the {$110.00} until XX/XX/2017, because the do n't have the authority to in their system. Even though I had the XXXX XXXX on the line and told them I had no other pending hotel charges. It 's a blatant attempt to keep my money on their books for at least 30 additional days, and I consider this flat out FRAUD ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Fraud, Robo Signed Documents submitted to The Circuit Court of the XXXX Judicial Circuit XXXX County, Illinois on XXXX XXXX, 2016 case # XXXX XXXX XXXX. I have included a Certified Forensic Loan Audit with an Affidavit for my property XXXX XXXX XXXX, XXXX XXXX, Il XXXX. Shellpoint Mortgage Servicing and its council failed to review documents and files to establish standing and other foreclosure requisites ; filed notarized affidavits which falsely attest to such a review and to other critical facts in the foreclosure process ; and " robo signature '' of documents by parties and council. The wrongful filing and prosecution of foreclosure proceedings which are discovered to suffer from these defects may be cause for disciplinary and other sanctions upon participating council. 
XXXX XXXX XXXX Master Servicer Loan # XXXX, Shellpoint Mortgage Servicing - Loan # XXXX and its attorneys XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass Through Certificates - Regulated by the Securities and Exchange Commision. Note only one example of " robo signing '' and additional fraud is detailed are in the attached Certified Forensic Loan Audit, Assignment of Mortgage via XXXX, which is inactive but was submitted to XXXX County Recorder of Deeds by XXXX XXXX XXXX has XXXX XXXX signing on page 2 of 4 as Assistant Secretary of XXXX  and on page 4 of 4, has XXXX XXXX Signing as the Assistant Vice President of XXXX XXXX XXXX. I am request dismissal of case and Quiet Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete

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 06/29/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX   XXXX , 2017, I contacted   XXXX   in reference to {$200.00} collection debt that is placed on my credit report. The amount was  XXXX  out by  XXXX . I contacted   XXXX   XXXX   XXXX   .  on  XXXX   XXXX , 2017 and spoke with   XXXX   XXXX   XXXX   to have the negative entry removed from all  XXXX  credit bureaus.   XXXX   XXXX   XXXX   asked me to email him proof of the returned equipment and he was going to rectify the problem, No change was done. I sent another email on   XXXX     XXXX , 2017 and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, 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 03/22/2017 about Debt collection (I do not know) with GC Services Limited Partnership (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GC Services first called me on XXXX XXXX, 2017. During that call they noted that they were calling in regards to someone who resides in a state that I have never lived in. I told them the address was not correct, and at that point they asked for the last 4-digits of of my social security number. I refused to give such a personal number, as their address information was incorrect. At that point I requested that they not contact me again, and was told that they would not call again. 

On XXXX XXXX, 2017 they called again, and gave the incorrect address. I told them the address was incorrect, and again refused to give my social security number. Both calls were made by an unknown number, but using the name GC Services I found a number to call using google. I reached out to GC Services and requested that they not call again. The person I spoke with noted that I would need to request this in writing, which I am fairly certain is not correct. Since I have requested this on two separate occasions I am hoping to not be called again. However, in case the calls continue I wanted to document the second call utilizing this CFPB complaint portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.

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 06-08-2015 about Credit reporting () with Caliber Home Loans, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I HAD PRE-APPROVED INVITATION TO THEIR XXXX CREDIT CARD. THE ACCOUNT WAS OPEN ON XX/XX/XXXX. I MADE ALL PAYMENT ON TIME EVERY TIME. THEY REQUEST CONFERENCE CALL WITH THE XXXX XXXX. I HAVE REQUESTED TO SEND ELECTRONIC DEPOSITS TO MY ACCOUNT AND I WILL VERIFIED THOSE DEPOSIT BUT THEY DENIED AND WANT TO VIOLATE MY PRIVACY IN REGARDS MY BANKING. I HAVE SAVING AND CHECKING ACCOUNT WITH XXXX XXXX AND THEY STILL PLACING RESTRICTION ON MY CREDIT CARD ACCOUNT ENDING # XXXX  WHICH SHOWING ON MY CREDIT REPORT AS CREDIT LINE OF {$500.00} IT 'S BEEN OVER A YEAR AND THEY STILL AS OF TODAY XX/XX/XXXX DENIED TO REMOVE THE RESTRICTION.
I WANT THEM AS CAPITAL ONE CONSUMER TO THEIR BANK TO REMOVE THE RESTRICTION IMMEDIATELY OR PLACED TWO VERIFICATION DEPOSIT TO MY XXXX XXXX ACCOUNT AND I WILL VERIFIED THOSE DEPOSITS FOR SECURITY PURPOSES BUT I DO NOT WANT THEM ON CONFERENCE CALL WITH THE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with Alliance Data Card Services (WI).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. 

The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law

Company response to consumer: Closed with explanation