milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing/Cancelling account

Complaint: My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a collection account that has been constantly reported by multiple agencies and removed each time I have submitted a dispute, as it is incorrect. The information was recently reinserted under XXXX , XXXX . When I noticed, I disputed the issue, but Equifax has left it on my credit report. 

Most recently it was reported by XXXX XXXX XXXX out of XXXX, MS , and was very quickly removed when I disputed it on the report. Now, like I said, it is showing up under XXXX, from whom I did not receive notification nor had an opportunity to ask for verification. However, the previous companies could not verify the information when I requested it, so I am simply looking to have this erroneous information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for TJMAXX ( merchant ) card when I made a {$56.00} purchase on XXXX XX/XX/XXXX. 
I never received a credit card due to the misspelling of my name and an inputted incorrect address. The credit card was returned ( according to a customer service rep that I spoke to ) ; and apparently, several bills were sent with accrued fees/interest. Not sure where those bills ended up. XXXX XXXX XXXX. took over the debt and sent me a bill for {$190.00} ( on XXXX XXXX, XXXX ) but when I wrote to them about the problem, they sent the debt back to XXXX XXXX ( original creditor ) who then sent me many copies of statements that had been generated but never came to the correct mailing address. 
I called customer service at TJMAXX on XXXX XXXX, XXXX hoping to pay my original purchase price, but the recording stated that my account has not been activated!?? 
I am afraid to remit {$56.00} instead of the statement amount of {$190.00}, there will be more confusion.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of 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 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage was showing me as 2 times 30 in 2016. I printed off my payment history from their site and have cancelled checks to prove I was not late ever. Once I disputed with credit and filed a complaint with Ditech they agreed to research then marked me 5 times 30 for 2016. Again, I have never been late with them and have the proof from their website and my cancelled checks. Now they wont respond. I have been adversely affected by this as I can not refinance, and am not able to get pre approved to purchase a home which we were looking to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fleet Financial, Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.

Company response to consumer: Closed
Consumer complaint received 03-01-2017 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Managing the loan or lease

Complaint: My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/28/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.

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 04-12-2015 about Mortgage (Conventional fixed mortgage) with BARRONS MORTGAGE GROUP LTD (VA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a refinance loan with XXXX XXXX from Good Mortgage. He required us to pay out of pocket about {$850.00} to have our home appraised. Good Mortgage selected the appraiser, XXXX XXXX. In his appraisal, he made several factual errors, and his valuation of {$500000.00} is at least {$50000.00} lower than comparable market values we received. As a result of the low valuation, our refinance application was declined. Both my husband and I have excellent credit, have been steadily employed and our debt-to-loan ratio is acceptable. The valuation is the only element of our application that prevented us from refinancing our home. We sent a response to Good Mortgage, pointing our the errors in the appraisal and other issues that we had with the appraiser 's valuation. [ Please note that I also recently noticed that the appraiser excluded the XXXX and XXXX of the XXXX bathrooms in his appraisal. These inaccuracies should also be addressed in a corrected appraisal. ] The loan officer responded that the 'appraiser will not budge. ' We requested to see the response that he had received from the appraiser, but the loan officer refused to provide it to us. We feel that the appraisal should have been reassigned if the appraiser refused to correct the inaccuracies. The ordeal has cost us both time and money, and we may not be able to keep this property as a result.

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 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm filing this complaint with your agency to implore your help to investigate the violation of the Federal Financial Credit Reporting Act ( FCRA ) of the debt collection organization, Fidelity Information Corp. From my story below and the evidence attached, it is proven beyond any doubt that Fidelity Information Corp has clearly and intentionally violated FCRA by : Inaccurately inflated the disputed amount to 20 times ( from {$71.00} to {$1300.00} ) When I contacted them and sent them the explanation and evidence that I did not owe its client any money, not only did they not bother to reply to me, they also reported me to XXXX Credit Bureau agencies ( XXXX and XXXX ) with the inflated amount. 
When I contacted them the XXXX time by phone, the lady at Fidelity Information Corp ( XXXX at extension XXXX ) admitted that the amount was only {$71.00} and promised to send me a breakout within XXXX business days, but nothing was sent. 
When I contacted them the 3rd time via certified letter to ask for a breakout on my account three weeks ago, I have still not heard from them. 
When I disputed my claim with the Credit Bureau ( XXXX ) with proofing documents 3 times, every time the credit bureau sent the disputed evidence to Fidelity Information Corp. for review and they advised the Credit Bureau to remain the negative credit on my report. I called XXXX and asked them why they did not look at the evidence I submitted to them. The response was that the bureau would trust the collection services more than an individual because the collection service was required by law to report accurately. In this case it is not. 

What Fidelity Information Corp has done to me, it has certainly done to other consumers. Therefore, I implore your help to investigate and stop this collector from abusing its power and acting outside the law to protect consumers. 

Regards, XXXX

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