milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 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: Investigation took more than 30 days

Complaint: I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I had a credit card and check in account through Wells Fargo. I closed my check in account and credit card. I have called them at least XXXX times every time they leave something out. Today I logged in and I found out that they have added another {$50.00}. I had to call them and found out that was a " reward account ' which was not closed properly. Wells Fargo is a corrupt bank. Should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I closed my account with XXXX XXXX. I received a final bill of {$33.00} which my wife paid. The bill was paid on XXXX/XXXX/XXXX, and I have a bank statement showing that. The following month XXXX XXXX sent a refund check for the amount of {$33.00}. I assumed they overbilled me and made things right by sending the check, and never thought another thing about it. 
XX/XX/XXXX, I received a collection notice from AFNI for the balance of {$33.00}. AFNI was called and a dispute was opened. My wife sent them proof of payment. On XXXX/XXXX/XXXX my wife called AFNI, and they stated they had received the documentation and had sent it to XXXX XXXX. 
On XXXX/XXXX/XXXX I received a letter from AFNI, saying they were resuming collection activities. 
We have made numerous follow up calls to both XXXX XXXX and AFNI in an effort to get this resolved. Today ( XXXX/XXXX/XXXX ) my wife and I spoke with a representative from AFNI who informed me that my credit had already been damaged as a result of this. I had a local Credit Bureau run my credit and learned that I had indeed suffered a negative mark on my credit showing that I was in collections for {$33.00}. I can not get anywhere trying to talk to either XXXX XXXX or AFNI, and continually get the run around. I would happily pay the {$33.00} if I can get assurance that my credit will be restored. I am very upset that my credit has been compromised over a mistake made by XXXX XXXX, which they refuse to admit too, but the documentation shows otherwise. 
I do not have a way to upload documentation, but can send it via mail if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: My balance is XXXX in XXXX they say that I enrolled in a debt management program. Which I did not. I am trying to get closure on this account. They won't give me a settlement amount and then they are making my payments late and it's not fair. It is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF 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 12/25/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Taking out the loan or lease

Complaint: I had my credit score ran 2 times by Spring Leaf and I never gave authorization to run my credit. When I called the office they gave me another number to call. When I called that number, they looked up my account and said I had to send them proof or they were not going to take it away. They said it really was n't on there, but when I looked on my credit report it was, 2 times.they blew off my complaint by minimizing my findings, saying it was n't on there the credit report is wrong, I had to tell them multiple times. This was around XXXX, I threatened to contact cfpb and hung up the phone ... ..now near XXXX same day, I checked and the inquiries are gone, but the fact is they STILL ran my credit without my persmission and I think they need some sort of repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had an account with Suntrust for a good three or four years. Overdrafts were a problem, and I admit that I was n't very good at handling them, but overall I think I was a good customer. 

I 'd had a good couple of weeks and put together the money to get my account out of the negative, and went to deposit it. I planned then to close the account and move to a simpler and less expensive service. However, I discovered that they had closed my account for me, making it impossible for me to pay. 

I have since been unable to open a new checking account owing to some hold, and my attempts at making payments to Suntrust to resolve this issue have all failed on various issues on their end, including unwillingness to take checks ( from family, not from me ) or money orders. I 've also been informed that even if I do pay Suntrust their money it may take 6 months or more for me to be able to open a new account. 

90 % of the money they claim I owe them would be their banking fees, and they charged me that money against my will and over my objections. I had made it clear I did not want overdraft protection, and they insisted on continuing to let me be overdrafted and charged me. I suffer from occasional mental health problems and find it very difficult to keep track of what bills at times, especially unwanted fees. 

I do n't know what I want you to do. I 'd be happy to pay them all the money they claim they desire, but I do n't feel comfortable bringing them cash. I do n't trust either my branch or them to handle it in such a manner.

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 04-09-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. 
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc., at XXXX XXXX XXXX, XXXX, NY XXXX has been persistently attempting to collect a debt that I do now owe. The amount they are attempting to collect is {$120.00} for services rendered by XXXX, a medical services company. I have paid this with my Flexible Spending account. I have provided Transworld Systems the payment processing date ( XX/XX/2015 ), payment ID, and transaction number. They have not responded other than trying to collect the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.

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 10-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: they say that my info i provided is incorrect that i used to try and file a claim. they have no person to person customer service and want copies of my soc. security and personal bills. what good will that do if they wo n't let me log on with the same info i already provided? They show a bankruptcy which is not mine and i have never filed for one. Equifax and any other credit agency should have to make sure their info is correct and accurate in this day and age. Having the victim of their incorrect information jump through hoops is unacceptable! please help to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with Nations Recovery Center (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Dear CFPB, this complaint is in response toXXXX and XXXX 's investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by COB as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from COB who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Nations Recovery. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for RESURGENT on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact NATIONS RECOVERY speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

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 08-05-2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried to send numerous letters disputing inaccurate information reporting to my credit reports, I got the letters back saying the address on file is incorrect. I sent them certified mail with receipt. I have copies of the letters, it 's to the collection accounts on my credit reports. The addresses and information is incorrect, I tried contacting the credit agencies but I have n't had any luck with them. I keep getting responses back telling me that the information on my credit file is correct when the information they send me is n't correct the addresses that is being reported is incorrect. I used google to locate a address for some of the accounts on my reports that listed a number with the address. This should be removed off of my credit reports due to inaccurate information on my credit reports, this is on my Transunion Credit report and XXXX credit report. XXXX reports have inaccurate information on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Medical) with Avadyne Health Holdings, Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.

Company public response: Company can't verify or dispute the facts in the complaint
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 EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/XXXX - I contacted the Equifax line that is supposedly assisting consumers who were victims of their security breach. I would like an extended fraud alert placed on my credit reports and they not only will not do so without a police report or other proof of my identity being stolen, they did not have a phone number for me to call to request it due to their inadequate security of my personal information. This is unacceptable. Why would I want a one-year identity service from them and then have to send them in writing that I want to opt-out of the clause to sue them for this breach and their release of my personal information. They MUST offer victims like myself an extended fraud alert on our credit reports and allow us to request and implement online, not in writing. This is the most outrageous display of abusing consumers who are victims of their negligence. Take action against this company and the " leaders '' who clearly abused their knowledge of this breach at the expense of innocent consumers. Allow us to protect ourselves IMMEDIATELY and at NO COST to us by placing extended fraud alerts on our credit reports online. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union keeps adding a address to my credit report which is not mine and belongs to another person XXXX. For this reason, I keep getting bogus collection calls from companies stated I owe money for a debt that was never mine. I live in XXXX state and has for over 10 years. Please have Trans Union remove the address and phone number from my report. They have inserted this address XXXX times and I dispute each timeAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone XXXX. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief