milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to get Equifax to do their job and update this incorrect information on my credit report. Equifax continues to update my credit report to show that I owe {$410.00} to XXXX for XXXX. I do not owe this money ; I paid this account over a year ago and provided Equifax with a copy of the cleared check, which was deposited by XXXX in XX/XX/2016. Equifax 's inability to do their job has cost me the opportunity to purchase my first home. Please help me hold them accountable for doing their job and removing this inaccurate information from my file immediately. I have attached copies of the check which was credited to XXXX ' account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This credit reporting agency is reporting inaccuracies information on my credit file. The credit reporting agency is reporting the collection account XXXX XXXX XXXX as being my account which is inaccurate

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 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (AR).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I purchased a washer and dryer set from XXXX XXXX on XX/XX/XXXX. The order number was XXXX. I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the washer and dryer on XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXXto pay the {$70.00} and make sure they were coming on 08/01/2017. The manager I talked to was XXXX XXXX. He said they did not charge for that type of pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
XXXX XXXX refuses to follow their own written company warranty. This warranty is online in plain language. I will attach a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and I had my mortgage thru Select Portfolio Servicing. My XXXX unexpectedly passed away XXXX years ago and it has been a struggle to pay my mortgage ever since. I contacted Select to discuss a XXXX XXXX Pay. I was advised that this was an option and I needed to write a handwritten letter, provide proof of funds and make an official offer to payoff my mortgage. I owed approximately {$160000.00} at the time. My first offer was {$120000.00} and I was advised to make another offer. We asked Select to advise what amount we should consider, however they would not. I offered {$120000.00} and this was rejected. Select was contacted again and we were going to make an offer of {$140000.00}, however I was advised that since my home appraised for {$210000.00} and I owed only {$160000.00} XXXX approximately ) that a the full amount is all that would be accepted. Select recorded all phone conversations discussing this mortgage. I paid off the full amount after being advised this. This process took several month all along Select was collecting approximately {$1300.00} per month in interest on my mortgage. I have limited funds and am trying to pay off all my debts accumulated since the loss of my XXXX. I feel this practice was deceptive as if there was no intention of taking less than the full amount owed that should have been advised immediately saving me months of interest. We originally borrowed approximately {$210000.00} in XXXX and have payed XXXX XXXX interest the entire time. After paying off this mortgage I have given select over approximately {$600000.00} on a {$210000.00} loan. During this entire process they have not assist, modify or work with me any way whatsoever on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

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 09-06-2017 about Debt collection (Medical debt) with Independent Recovery Resources, Inc. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their 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 non-monetary relief
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 05-05-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?

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 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO BMW FIN SVS. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME

Company response to consumer: Closed with explanation