milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (RI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I Had charges that were made on my XXXX XXXX credit card it is issued through Barclay, there were 2 cash advances that were made on my credit card for charges that I did not make nor did I Authorize. I have been going back and forth with Barclay for the last 3 months to have them issue a credit to my account they refuse to do so. The told me I am responsible for these charges,, even though I did not make them I am the only person authorized to use my card. they refuse to credit me or go after the company that charged my account to dispute these charges. While these charges were being made I received a text from XXXX XXXX Barclay asking about these charges and I responded back to them NO I did not make them, so they closed my account immediately and sent me out a replacement card. 
Charges were made on XXXX {$210.00} / XXXX {$100.00} Cash advance fees XXXX XXXX & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. 
Please I want your assistant in this matter to solve it once for ever. 
Sincerely 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 08/23/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I leased a 2003 Chevy Malibu from Ally Bank. The lease was for a three year period and XXXX miles. Upon returning the vehicle at the designated time at lease end and dealership, it was inspected by the dealer and found to have normal wear and no damage to either the interior or exterior and approx. XXXX under in allotted mileage. Ally Bank was notified of the return. The car remained at the dealership for an undetermine amount of time until a bank representative was sent to do an inspection. This inspection also noted normal wear with the exception of a so called crack in the side of driver 's seat. We received pictures of the alleged crack which were clearly undefined. There was no crack in the seat when the car was returned. Ally has retained the security deposit and is demanding an additional {$100.00} I have made 3 attempts to resolve this issue with the bank all of which have had no response. They now threaten collection and negative credit reporting. Ally Bank has made it clear to me that they have no intention to do nothing other than harass and strong arm me until cave in and write a check.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment.. 
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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 01/27/2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 while at work at American Express I received a text message in reference to my American Express Serve Account stating my account had a low balance. I immediately called to check my account and was informed of many fraudulent transactions. I filed a dispute with American Express Fraud Department. My account was issued a temp credit for a partial amount of the amount disputed. A few days later I was informed that my disputed had been denied, American Express Fraud Department claimed that all the disputed transactions were authorized because they were PIN based. I informed them that the transactions happened in XXXX, AZ on days and at times that I was on the clock with American Express in XXXX, AZ. I provided prof from American Express payroll department to American Express Fraud Department and still they refused to resolve my dispute. American Express Fraud Department mailed me a letter stating the temporary credit issued was now final to use the money without concern, but the temporary credit that they were referring to was less the half of the disputed amount. I immediately called American Express Fraud Department and was told that part of the claim was approved and part of the claim was denied. I requested for the claim to be opened again and a few days letter they informed me that now the entire claim was denied. I have requested documents from American Express in reference to research done by American Express showing cause for the denial of the dispute and American Express refused to provide those documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt, I believe goes back to XX/XX/XXXXor XXXX. The debt is a phone bill from XXXX XXXX. They lied, mislead, me on a promotion with regards to internet, which was just starting to really take off. I think it was 1 or 2 months bill plus ETF. The details are a little foggy, it was close to 20 years ago. I think the statue of limitations may have expired. XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXXand it 's public knowledge that they receive a lot of complaints about their misrepresentation of products.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a complaint against Equifax/XXXX. This that I am writing is evidence that I am correct and Equifax wants to keep reporting incorrect information in my credit report, simply because according to them it is the regulations that they follow, I do n't understand these laws that they follow and the regulations that they follow because this account that I am disputing of XXXX XXXX that is being reporting in an incorrect manner in my credit file by Equifax. I has been many months that I have been disputing this account and this account that I am going to attach, received by mail, Equifax ignore whatever information and evidence I give them and violate the federal laws in protection of the consumer ( XXXX ) even though I give them all the evidence I can they still have n't deleted this account from my credit report. Today, XX/XX/XXXX, I had contact with the Department of Disputes in XXXX of Equifax , I told them all of this and about the account of XXXX XXXX and as well as XXXX. Overtime I have phone contact with them different stories to tell me to justify their unfair and all their fraud that they have caused on me, one of the executives told me that even thoughI have all the physical copies and evidence I can have that because I have multiple investigations open they ca n't close the case without having the proof from the banks, they do n't want to own up to their responsibilities or their job. The executive that I contacted in the morning that in XX/XX/XXXX the account of XXXX XXXX was deleted, but she says that because I have other accounts open even though I have given enough information and physical evidence they ca n't close those accounts, which seems to me as an absurd excuse to justify this unfair act that was caused upon me, because even though they have more evidence that I can give them and proof that other institutions also agree with me why would they keep going on with the lie that I am in the wrong and why would you treat me and my case like this? I have been very kind with them and all I get back is an unfair and absurd excuse to give me, they do n't care about my case and they just do what ever they want with it without following the federal laws. Exactly the same with the account of XXXX, at this point I think it is personal that they do n't want to delete my account because there is no other explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with CBS Collections, Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Person is Qualified XXXX Beneficiary ( XXXX ) and even though XXXX were aware of the qualifications, they still sent her bills into collections.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit decision / Underwriting

Complaint: We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have repeated confirmed verbally I am not the debtor in question. Faxes sent to my employer by collection agencies have been completed by my employer stating I am not debtor. However, each time a new debt collector purchases the file I am contacted at work and a fax is sent to a general fax number. I have asked each time that a notation is made in the file and that I am not contacted at work. The last phone contact was today ( XXXX/XXXX/2015 approximately XXXX central ) by West Asset Management Company. This is sensitive to me as I am employed in a financial institution in a XXXX position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Unsolicited issuance of credit card

Complaint: I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Navient took my taxes for XXXX  to repay a Debt however in XXXX they did not touch my Taxes they did in XXXX. I was never notified of this occurring. Only when I didnt receive my taxes that i had to do my own research to find out where the money went. Also Im XXXXyears and a member of XXXX do i qualify for my taxes not to be touch. I also check on Navient web page, I logged in at it stated a XXXX balance. I feel that the student loan should not take all of money. I have a family to take care of. Also what is the statue of limitations on a loan.

Company response to consumer: Closed with explanation