milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Using a debit or ATM card

Complaint: There has been over {$10000.00} in suspicious activity on a joint checking account I have with my mother. My mother is the primary account holder and she did not authorize any of the fraudulent activity. Many of these charges were made when she was alone and getting ill. I have no knowledge of these ACH, debit and credit transactions. The purchases varied in nature but many of them follow a pattern very consistent with fraudulent activity. Some of the transactions were for mail order goods billed directly to the account, some on an ongoing basis, but for goods never received at her address or mine. Most of the transactions were also completely inconsistent with my mother 's spending patterns over time. I do not use the account regularly and these purchases are also inconsistent with anything I have ever purchased.     I filed a complaint wit h Capital One  Bank about the fraudulent activity. They did issue complaint case numbers and supposedly investigated, however, the results of that investigation have not been meaningful or even minimally transparent. Their lack of real assistance in this matter leads me to believe they provide no real protection to their customers, especially those who may be particularly vulnerable to this type of fraud. She is on a fixed income with few financial resources. The failure of  Capital One  to conduct a thorough, transparent investigation and meaningful resolution is extremely frustrating.     Please help us get a resolution to this unauthorized activity with, hopefully, at least a partial credit of the funds. Although she has since had  a Conservator  appointed, he has no knowledge of these transactions and so can not provide any meaningful assistance. Thus, I am hopeful that CFPB can. ( Please note that I have put my home address on this complaint but her address with  Capital One a t the time was in Virginia. )

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!

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 12/19/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LOAN # XXXX This mortgage was paid in full about 5 years ago, I requested from Citibank Mortgage all documentation for this mortgage like payment history Etc. they are ignoring my request, I am trying to sell a property and I lost 4 clients because of CitiMortgage there is nobody to talk to, not sure why they do not want to send me these documentation, I can assume maybe fraud what 's going on that 's why I did not want to send me documentation but I need these documentation ASAP

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 12/16/2015 about Payday loan () with Big Picture Loans, LLC (IN).
Issue: Can't stop charges to bank account

Complaint: I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with Risecredit, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: RISE has reported this account on my credit report in the amount of owing {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Auto debt) with Westlake Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt was written off and closed however Westlake financial is still reporting it saying there is a balance of XXXX. This was closed on XX/XX/XXXX but as of XX/XX/XXXX they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with Broward Adjustment Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter from a collection agency ; XXXX XXXX. They say that I was placed into collections for a medical bill from the XXXX hospital. Right away I was confused because I have not been to XXXX in ten years or that hospital ever in my life. XXXX hospital never sent me any bills or notices saying anything. I live 80 miles away from XXXX also. The bill XXXX XXXX sent me was in a name I did not go by at the time they are saying the bill was made. Also I made a BBB complaint against XXXX hospital and they first said this is a mistake and now they are saying they have my signature and ID but are not producing any of this information to me. You know why? They do not have it that 's why. What they do have that blows my mind is my social security number and my old name and old address which leads me to believe that someone from this hospital stole my identity. For the record I have been on XXXX even at the time this bogus bill was created so why would I have any medical bills in the first place? It 's common sense these people are not right they are covering up their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The company keeps calling my work, despite me sending email correspondence at their website asking them to stop calling me at my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (FL).
Issue: Account opening, closing, or management

Complaint: Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I submitted a written request ( attached ) requesting unauthorized Inquiries be removed from my credit file from Equifax on XXXX/XXXX/16 ( see attached letter ). They refused to remove the Inquiries. See their written refusal letter ( attached ). I do not recall authorizing these Inquiries. I also called twice and spoke with representatives of Equifax, they also refused my request to have the unauthorized Inquiries removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
<P/>
They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XXXX 2019 it will be dropped. THIS IS TRUE.
<P/>
18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
<P/>
14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
<P/>
10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inquiry from XXXX institution in my TransUnion credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( 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 02/15/2018 about Debt collection (Credit card debt) with SIMM Associates, Inc. (AE).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/XXXX, I was notified by XXXX XXXX Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either XXXX XXXX or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXXr. This line of credit was through XXXX. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX XXXX XXXX to link their XXXX accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a XXXX XXXX  Account. The registration should have linked my overall XXXX account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my XXXX Account. 

XXXX Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. XXXX XXXX   stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Saw collection item on my XXXX report only. Called Transworld Systems , Inc and was told that is n't me, they would remove. They did n't. today when I called again they said I should fax the page from my XXXX report with name, SSN, Address, copy of military ID and phone number, with dispute reason. I have tried 10 or more times and fax number they gave me does not go through. Now phone number I used previously does n't go through either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 24 inquiries on credit on XXXX that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix 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 10-08-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other transaction issues

Complaint: I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.

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 09/29/2016 about Debt collection (Medical) with Capital Accounts, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a company attempting to collect a debt they say was assigned to them. The company is not licensed to collect in my state. I never signed any documents allowing assignment of debt. I never signed any documents acknowledging right for them to charge interest on the debt. They failed to provide validation of debt, including license to act as collector, charge interest, or proof of assignment of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I had lost my job and I tried to file a modification on my mortgage and Nationstar Financial denied me. I had met the criteria but they continue to deny me. I have started a new job as well as my wife. I ask for a forebearence to pay what I am behind. They bought the loan from XXXX XXXX XXXX and I had issues with them as well. I want to save my home or I will be homeless. I am a XXXX veteran and tried to go through every assistance program possible and yet no one can or is not willing to help.

Company response to consumer: Closed with explanation