milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I applied for the XXXX XXXX XXXX card issues by BBVA Compass online. Within 2 hours of applying I received a phone call from BBVA compass to verify I did indeed apply for the credit card and answered verification questions about my identity. On XXXX XXXX, 2015 I received an email that I was approved for the credit card. I received the credit card on XXXX XXXX, 2015 and activated it without issue and used it a few times over that weekend of XXXX XXXX and XXXX. I tried to use it on XXXX XXXX and it was declined. The next day I phoned customer service and was told the card was suspended and was given XXXX different answers. I phoned later that week and wasted XXXX hours being on hold to only find out the information I was given by customer service was useless. Finally the XXXX week of XXXX 2015 I phoned in to discover the card was closed and received a letter on XXXX XXXX, 2015 that the card was closed per a request by me about fraudulent activity along with a declaration of fraudulent activity. Not once have I phoned BBVA compass about any fraudulent activity and never asked that the card be closed or my charges reversed. I in fact have paid for the all charges that were made to the card. I phoned customer service late last night and was given the number to their fraud department I phoned fraud last night was on hold for over 60 minutes before I was either hung up on or disconnected. I phoned again this morning and did speak to someone in fraud and was told she would phone me back and up till now I have not received any call back with a reason about the fraud request. I have phoned customer service and never once was given a straight answer as to why the card was suspended or even closed. I was simply told I would receive a letter which I finally have. However the letter does not even ask if I opened the card or indeed made the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from 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 explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX and Nationstar Mortgage has been conspiring to coerce me to pay a debt that 's not mine. Initially, XXXX XXXX XXXX advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, XXXX XXXX XXXX has stated the Notice of Rescission is invalid and ineffective. Therefore, Nationstar has no debt to collect that XXXX XXXX XXXX allegedly assigned. However, Nationstar Mortgage is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Shopping for a loan or lease

Complaint: I have two issues with One Main Financial. First, I applied for a deferment in XXXX 2016 with the Branch Manager and was under the impression the deferment was approved and was given paperwork stating that my next payment would be XXXX/XXXX/2016. After that date, I was told my deferment was not approved and I needed to make a payment. In late XXXX 2016, I was told I could refinance the loan and was asked if they could run my credit. I agreed and about 4 questions later, I was asked my work phone number that I did not have available at that time. I thought that since I did not call them back with my work number and I paid the past due amount, the loan would not be processed. Last week, I received a call asking if I still wanted to process the loan and I said " no. '' The same day, I also received a letter from One Main indicating they had processed my loan anyway. Today, I got a denial letter from them. 

My questions are, how can they process an incomplete application which I asked them not to process? 

Also, how can they give me paperwork indicating my initial deferment was approved and then say it was n't after the due date and then demand money? 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I have presented a case prior with Santander consumer USA and my case closed and it stated to seek legal counsel and then speaking with accelerated supervisor to handle issues at Santander and I mentioned lawyer she then explained when I agreed to at 2 times to push payments to back of the loan each time 3 months that it allowed the a loan to charge the XXXX XXXX dollars of interest and she said that on tape I agreed to change that but the conditions also changed because I was on leave due to illness. This was not explained and nor will they give these tapes to me. I was in financial hardship they took advantage and did not reveal that this will cost this amount. I am still trying to find an attorney because of the cost they charge. They kept saying at first late payments and now this and no they did not explain and they are aware they took advantage because only now am I being told more in depth answers I want this to go to court but I trying to find sway to do this without costing I have family and obligations and if I knew when I became ill that this would of cost this on these XXXX accounts I would not have agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (WY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: tried to link an account, XXXX XXXX will not let it happen

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 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: There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

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 03/31/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Creditor is XXXX.. This is regarding an XXXX XXXX Account.They turned the account over to a Collection Agency and still continued to charge me interest and late fees. Is this legal? The collection agency stated that XXXX sends them adjustments every month. XXXX will not speak to me. They say they do n't have the debt ... to contact the collection agency..but..they continue to apply interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 02/14/2018 about Debt collection (Auto debt) with EXETER FINANCE CORP. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I apply for a credit line with XXXX and I was approved. But on my credit report with Trans union appear a credit inquiry, like it was n't aproved. My dispute with Trans Union is, if I was aproved why I have the negative inquiry in my report. Thank you for taking care of this issue. 
I been working hard in rebuilding my credit. Please remove it from 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 explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Contacted Trans Union and I was instructed to fax to the fax number below to send a letter which I requested to not add any Fraud or OFAC alerts without my written consent, which I faxed on XXXX XXXX, 2017. Trans Union has willfully and negliently added a fraud Alert anyways to my account. I have provided the letter sent to Trans Union including the fax confirmation page and blocked my personal signature information from the notarized information for my privacy protection. 

Trans Union XXXX Fax : XXXX File number:XXXX Attn : Consumer Contact dept Reason for calling : Remove Fraud Alert

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 12/15/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: Through Wells Fargo 's online portal, I paid the full outstanding balance owing on my Wells Fargo VISA on XX/XX/XXXX. This payment was made 4 days prior to the due date of XX/XX/XXXX for a minimum payment. 
Wells Fargo sent me an email stating that my payment was successfully made on XX/XX/XXXX. Wells Fargo then reported me to credit agencies as being 30 days late on the payment and revoked my credit card even though I have made every credit card payment on time since opening the credit card in XX/XX/XXXX. Wells Fargo now refuses to correct their error.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted an identity theft block to Experian, XXXX, and XXXX XXXX. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (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: I PREVIOUSLY COMPLAINED ABOUT AES REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( AES IS REPORTING AS AES ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY AES IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM AES DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM AES.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with Unifin Inc. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.

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