milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: School : University of XXXX ( XXXX XXXX XXXX, XXXX ) HI CFPB, I just wanted to let you know about my experience with Navient. I have around {$60000.00} worth of debt and pay around {$1000.00} a month to them. I tried to get them to extend my payment schedule or put me on an income based repayment plan, but they refused. Now, I ca n't move out of my parent 's house, ca n't afford grad school, and I am barely breaking even each month. I tried to consolidate my loans through another bank, because I was unable to pay Navient for three months last year. 

Thank you for all that you do. Please help fix this crisis. 

Cheers, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Billing disputes

Complaint: On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.

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 09/23/2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The Company called me saying they are Attorneys and would not send me a validation notice in the mail so i can see if it 's my debt they were very rude! They even open up a new account on my credit report! ..How is this legal? They did n't verify that it was my debt and they would n't send me anything in the mail from the company that the debt was from! I 'm a XXXX Veteran and I think it 's a shame these Debt Collectors can get away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with Accelerated Financial Solutions, LLC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Getting calls about a debt that I settled and paid in XX/XX/2016, I do have the letter that debt was paid in full, told that to AFS and they keep on calling to collect on debt. I told them to send me letter to let me know who they are and when they purchased the debt, they refuse and want me to send them info about me and that I paid, when I told them I will not do such a thing they talk over me, threatening me with the law, than they hang up, this happened three times now and I told them everything has to be in writing, they totally disregard any of this and still keep on calling. I will not send them any info, because I dont know who they are and I still have not received any of paperwork that I asked for. I dont want to take a lawyer but I might not have a choice, so some help would be appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a collection on my TransUnion report from XXXX which is not mine. I have never had XXXX service and believe this to be identity theft. I am in the process of notifying TransUnion and reporting the fraud as well as placing a security freeze, but the site is bogged down and does not work properly. I also do not believe that the site itself is as secure as it should be. In addition, when I try to request a free copy of my report, it says that I have already gotten it, and I have NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.

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 08/15/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Where to begin with USAA BANK is hard cause they have hurt so many aspects of life not only then when they criminally stole money from our accounts but now that they keep lying about there illegal regulation rules. They are soul crushers and will stop at nothing to steal money and with the services they have they use terms and conditions that are so farse to steal your money and take everything including committing severe fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my social security information to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that S  XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX  e has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or Experian nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You

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 08-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Bank Of America Account. After a while I noticed that this moneys were never deposited so I contacted Bank Of America customer service to search for this deposit. After lengthy phone calls I received a letter from Bank of America instructing me to bring the original check to the Bank Of America physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from bank of America stating that Bank of America debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Bank of America the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Bank Of America and they are claiming that I mobile deposited it in 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 09-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: 1. My son and daughter used to attend XXXX and completed their lessons during the XXXXXXXX2. I gave many verbal and a written request to discontinue lessons to XXXX XX/XX/XXXX ( Exhibit-A ) 3. Neither any authorization was requested by XXXX for the next season starting XXXX, nor any given by me for the same. 
4. No credit card details or signature was provided by me to XXXX for the next session. 
5. A completely unauthorized charge of {$2000.00} was made by XXXX on my credit card. 
6. SEBASTINI was repeatedly contacted to reverse this unauthorized charge but provided no cooperation. 
7. Then, AMEX was repeatedly contacted over past 6+ months and provided with all the evidences to reverse this unauthorized charge. 
8. AMEX did not cooperate and provided a forged document, without legitimate signature and just my wife 's name written in block letters that was presented by XXXX, as the basis of legitimacy of this unauthorized charge. ( Exhibit-B )

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I made several attempts to CA via returned receipt to validate this debt. I have not received any response from my attempts to CA to verify this debt but they continue to report and collect on this. 
They have violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Finance Company, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Dear Sirs, I was attending school at XXXX XXXX College in XXXX Colorado, going on my second semester ( In XXXX of XXXX ). In the end of XXXX, I received a phone call from XXXX where I found out that my mother had XXXX. I had to leave school to go take care of her in XXXX XXXX XXXX, XXXX. When I came back, in XXXX of XXXX, I found that ( XXXX XXXX COLLEGE ) had sent a bill that they said I owed in the amount of {$740.00} to a collection agency, by the name of PROFESSIONAL FINANCE COMPANY, located at XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Phone nubers ( XXXX ) XXXX and ( XXXX ) XXXX. I basically only went to class for a few days for that XXXX Semester ( which began in XXXX of XXXX ). I have been unable to pay this, and I am currently attending school at XXXX XXXX XXXX in XXXX, Nebraska. In order to enroll for the next semester, I am going to need the transcripts that XXXX COLLEGE has, which they will only give after what they say I owe is paid. I do not know what to do, because I am very poor, and I need the transcripts in order to continue going to school. Please, I need your help. I do appreciate so very much your time and attention to this matter. Respectfully yours,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX has an expired debt collection license in Tennessee. They must be deleted from my credot files, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX (  showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.

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