milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.

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 11/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.

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 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. 
Please update my credit report and score.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This is related to complain XXXX. At this point I received no respond from this complain. They 've put in the notes that they 've contacted me through a phone call. I have received no phone call from them. 

Maybe my complain is not clear. 
I did a balance transfer of XXXX online through Chase from my Chase account to my XXXX account. 

The money did n't arrive. I called Chase they told me that there was a wrong account number on my balance transfer. I asked them why did the transaction go through, they said Chase assumes that their customers are capable of entering a right account number. 
They said what is going to happen XXXX will send the check back and they they 'll credit my account. They also said that I 'll receive a letter. 

I waited 2 months nothing happened. I called, send emails, I heard nothing from them. 

I went and disputed the transaction. I got credit. 
I was expecting that they would put a stop payment the check since there was n't a right account number. 

After one moth they debited my account for XXXX. I called, they said XXXX matched the check to someone 's account, a man, with similar last name like mine. They said there 's nothing they can do anymore and they 're done with me. They told me to call XXXX. I asked them why did n't they stop payment on the check since the account was wrong? No answer. 

At this point I have received no letter, no info, no phone call from them about what happened to the check. They just debited my account for XXXX and that was all they 've done. When I call them they say there 's nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale. 
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health! 
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner. 
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate. 
This is unfair business practice. Due diligence should be a requirement for businesses. 
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs. 
I would appreciate your help. 

Thank you 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 08/14/2017 about Vehicle loan or lease (Loan) with Mid-Atlantic Finance Co., Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is currently an inaccurate item being reported on my credit report from Mid Atlantic Finance I have contacted this company at the address listed on my credit report here:XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I 've had my mail returned because this company is reporting incorrect info about me I understand that this is against the fair credit reporting laws.My attempts to have this debt validated were failed and after months of sending letters to address I found online I never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: In the past few days I received a notice as seen as attached shows my equity line of credit all of a sudden for NO reason is changing my account number. There is no reason for this change in this notice and I am Very concerned of the unmentioned reason. Whereas I hav e a Superior Court c omplaint against my primary mortgage and am struggling with the primary mortgage loan meaning my fight in court. I am grossly concerned as to of why and or if this account number change in just days, on this other loan with Chase Bank  may  Possibly have something to do with my court complaint. Can the CFPB look into this account number change if it is legal? or some hidden intent to affect my legal complaint against Chase Bank with my primary loan? or cause me some financially related problems ahead in any way shape or form? I have noticed on my primary loan whenever there is an update of any kind it many times causes me problems, or something turns out to be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in 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 non-monetary relief
Consumer complaint received 10/28/2015 about Money transfers (International money transfer) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Fraud or scam

Complaint: defrauded out of XXXX bywire transfer fraud/ scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.      This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater  ;

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 08/15/2017 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received several phones call throughout 2015 from Trident Asset Management regarding a XXXX XXXX phone bill in the amount of {$100.00}. I asked for them to send me a statement from XXXX XXXX validating that I owe this debt and they only sent a note on their company letterhead stating that I owe {$100.00}. I found this very odd considering that I still have XXXX XXXX as a carrier for at least 8 years and I 've never had a past due phone bill. And if I did then my phone would not be in service. I explained this to the debt collector in XXXX 2015 and they completely ignored me and kept asking why I would n't pay the amount since it was very small amount. I told the debt collector that unless they are able to send documents showing that I owe this debt, then I refuse to pay. The debt collector raised her voice and I raised my voice right back at her and demanded that she tell me her name. After asking for her name at least five times she finally said it ( to which I ca n't remember it since it happened in 2015 ). I told her that she 's not to contact me via phone and they need to send sufficient documentation of me owing this debt. They never did and in XXXX 2015, this item was placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Nevada Credico, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open account.

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 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 09/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Taking out the loan or lease

Complaint: On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.

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 09-09-2015 about Payday loan () with CASHCALL, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation