milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been 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 non-monetary relief
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of XX/XX/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 non-monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My wife tried to use the credit card to get some gas. It did n't work. She called me and asked me to call and find out what was going on. Yes, she is an AU on the card and has one. I called to find out that they closed the card. There were several reasons. The first was a returned payment. The rep that we initially spoke with to make the first payment keyed in the last digit wrong. So of course it came back wrong account number/nsf because it was n't our account. Once we realized the issue we paid it with our Debit Card. We paid  XXXX . So, when I spoke with the rep/supervisor, we were told that it was because of the account number being wrong, and because our payment was too high? I am like seriously? Who says a payment is too high that is paid with our Capital One 360 Card. It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with The CBE Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date  XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed XXXX XXXX XXXX several times on my credit reports. It continues to be removed and shows back up. I have written letters and done online disputes and it still continues to be deleted then reappears. The first deletion was in XXXX 2017 and the second deletion was in XXXX 2017. I have not received any signed verifiable documentation as I have requested several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with ARVEST BANK GROUP, INC. (OK).
Issue: Account opening, closing, or management

Complaint: I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.

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 monetary relief
Consumer complaint received 02/25/2017 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Taking out the loan or lease

Complaint: Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts on my credit report that are a mixed file or fraud. bankrupcy legal team and 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 non-monetary relief
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Common Wealth Financial uploaded a collection debt to my credit reports that was paid in full XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.

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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Address listed in XXXX. XXXX is not mine. I have never been to or lived outside XXXX. This was reported as Identity Theft to Law Enforcement in both my my city and in XXXX. My information was used for a XXXX XXXX XXXX XXXX and had a balance owed. I have never had services outside of XXXX. 
Need to have that address removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am continuosly being sent letters from debt resolution comapnies saying I owe thousands of $ on different credit cards/companies. I also receive calls saying I owe this and that and that apparently, at some point, I paid on these debts and that I must pay these debts. I did not have these credit cards! I have filled out numerous fraudulant papers because these are not my debts/charges.

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 02-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: While paying for a purchase from a convenience store using my chip-imbedded debit card, the card was stolen from the chip reader and the thief quickly exited the building. The timing was well planned since I heard no alarm to indicate the processing was complete. I did not notice it was missing, thinking perhaps I automatically replaced it in my wallet. The next morning I had an alert that I was overdrawn and immediately notified the bank to put a hold on the account. The bank initially replaced the funds to me, but subsequently re-claimed the amounts ( + OD fees ), saying, in effect, that their system was infallible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.

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 03/26/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.

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 12/24/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Credit card protection / Debt protection

Complaint: I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.

Company response to consumer: Closed with monetary relief