milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: - I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts.   My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I selected to engage in a forbearance prior to my son 's birth in XX/XX/XXXX. After my son 's birth and my maternity leave I wanted to resume making loan payments, however I have been engaging in almost 2 years of attempting to apply for a REPAYE plan and despite contacting FedLoan Servicing on a nearly monthly basis my application for this plan have been denied. I have wasted months of forbearance while awaiting my approval for the REPAYE, which I have been told over and over again I qualify for. Every time I speak with a customer service representative I receive misinformation, erroneous information, differing suggestions about how to apply, and confusing directives about the certification process. My most recent application was denied due to missing tax returns ( which were in fact included and were sent via fax ) along with a need for verification regarding a name change. I have been making payments since my husband and I were married in XX/XX/XXXX and this is the first time I have been asked to provide information proving my identity, as a result of a name change. This saga with FedLoan servicing has been ongoing since they began managing my student loans. I am disappointed that with such a significant financial burden I continue to receive the " run around '' regarding certification and eligible payment plans until I qualify for Public Service Loan Forgiveness.  It is critical to note that I am state employee employed as social worker and would absolutely qualify in 3-6 years, had I not been forced to utilize forbearance while FedLoan continues to mistakenly deny my request for an Income Driven Repayment. I am incensed and disillusioned by the behavior and incompetency of FedLoan Servicing, which is well documented and continues to go unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I paid a collection agency for a bill cause they stated fastest way to take care of was pay them then they would remove it off my credit report. Otherwise I could send in my paperwork from my chapter XXXX that I was still in ( not discharged/final court payments not finished ) and they would review and decide what to do. I choose to just pay it as it was only {$110.00} and seemed real easy to just pay rather than collect all the info they wanted. This shows on my TransUnion report still and no other credit agency. Mean while the chapter XXXX has been finished and discharged on XXXX XXXX, XXXX ( official file date XXXX XXXX, XXXX ) and anything dealing with that Chapter XXXX has came of my record as the 7 years from filing has arrived. I payed on this chapter XXXX for little over 5 years and have worked hard to get things back on the excellent side I was on prior to XXXX XXXX in XXXX with inadequate medical coverage that left me to have to file the chapter XXXX in the first place. The credit collector in this cause is causing a stand still of my improvement by not following through with a verbal agreement as good luck every getting something in writing as the will not provide that almost no matter what. Notified TransUnion with their preselected chooses they have and my response back is very vague in the results and I plus any others out their trying to get things right deserve better from a professional company. A consumer who does n't care about a quick dismissal of a response generally would not even bother to ask for such. However, it does state I can further contact them for any additional questions about my dispute request but it is a whole bunch of loops and staying on hold and links that do n't work properly - Why not just give me the report in the first place. Their vague answer does n't even specify that they contacted the creditor. Says : " Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. '' Ok I get what No Change or No changes have been made means but, really Verified? With whom it looks like them selfs well I can pull my credit report and Verify myself that their report says the collection is listed ... .What legal practice is this even right to give that response to a consumer. 
Basically I should never paid this did the weeks of paperwork gathering to have it gone now as I was miss lead by the collection agency. But even at that I was in chapter XXXX when this appeared on my report and all other bankruptcy items have meet their limit of 7 years from chapter XXXX filing and have been removed so even though I privately paid this should it not disappear with this rest.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... XXXX XXXXXXXX XXXXs 4.XXXX XXXX  .... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with GC Services Limited Partnership (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: on or about XXXX XXXX of 2015 at the bank of America location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a bank of America customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another bank of America location, in whereas they excepted the money orders and placed them for deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I seem to keep having a problem with XXXX with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX (XX/XX/XXXX & XX/XX/XXXX ) These are not mine

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 08-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (TX).
Issue: Problems caused by my funds being low

Complaint: Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Billing disputes

Complaint: This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. 
I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. 
I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. 
I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. 
I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX 
Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Medical debt) with Healthcare Receivables Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My complaint is with a Collection Agency called Healthcare Receivables. The sent me a bill of 3 charges for XXXX university for a total of {$630.00}. The sent this bill with only charges, no date of service and no true Validation of date. I would need Validation of this debt not verification. First I have never been to XXXX University, I do not even stay close to this area. Second I have been XXXX and have had XXXX since XXXX of this year and before that and during XXXX I also had XXXX XXXX who I spoke to and they confirmed they paid all my vlaims from when I had insurance with XXXX. XXXX has been covering all my hospital bills and doctor bills, so I do not know where this account come from or why it was n't submitted to medicaid. I called this Helthcare Receivables and typed in the account number on the bill received and they gave me a different amount or {$720.00} due. I have never been to XXXX University  and if this is Physician bill from another XXXX I go to this would need to be submitted to XXXX. But this bill is unclear and does not even have a Date of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CO).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.

Company response to consumer: Closed with explanation