milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 would like to first point out XXXX XXXX XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. 

XXXX XXXX XXXX 's reported to Experian, the first date of delinquency reported in XX/XX/XXXX.  Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. XXXX is attempting to restart the debt by reporting the first date of delinquency is XX/XX/XXXX, without including historical data. 

I have been reaching out to Experian almost one month regarding the reporting of XXXX XXXX XXXX on my credit report. Explaining XXXX is not reporting the data correctly. I spoke with XXXX on XX/XX/XXXX XXXX EST who is a customer service representative at Experian she explained there is no record of XXXX XXXX XXXX 's reporting on any of my credit reports from XX/XX/XXXX. I have attached the reporting for Experian to review.

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 12/20/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Account opening, closing, or management

Complaint: Hello XXXX XXXX XXXX, I had previouslyu written you a letter and sent it to you on XXXX XXXX, 2016 regarding my deceased mother in laws ' estate and her relationship with Citizens Bank in XXXX Rhode Island. My husband XXXX is XXXX XXXX 's stepson ( deceased in XXXX 2016 ). 




My husband XXXX XXXX was named Temporary Custodian for the Estate of XXXX and the Probate Court in XXXX Rhode Island where this case is still open. 




When my husband requested information regarding the accounts of XXXX XXXX in XXXX 2016 he was told that XXXX did not have a safe deposit box at the bank. He asked the bank manager named XXXX on several occasions and the answer was always " No ''. 




On XXXX XXXX, 2016 we received a bill in the mail for the safe deposit box account for XXXX. This was the account that Citizens Bank told us never existed. 




Furthermore, on XXXX XXXX, 2016, XXXX and I visited Citizens Bank XXXX branch. We spoke to another manager named XXXX who told us he had to check with the legal department before granting us the contents of the safe deposit box. 




On XXXX XXXX, when speaking again with XXXX, a manager at Citizens, we were told that the contents of the safe deposit box were taken by a person named XXXX XXXX. XXXX XXXX we have learned through much research, has hijacked all of XXXX 's Citizens bank and brokerage accounts which were very substantial. This also includes many annunity transactions all done through Citizens Bank. 




XXXX XXXX was illegally granted the contents of the safe deposit box. Citizens Bank told her to return the contents to the bank and then my husband and I were allowed to pick up whatever she " decided '' to return. 




The fact that someone with no legal documents was allowed to gain access to the safe deposit box is appalling. The fact is your bank lied to us and kept the information regarding the safe deposit box part of a cover up. 




It is with great regret that I must inform again of this error that Citizens Bank has done. The returned safe deposit box contents had several missing documents, CD '' s and the Will with our names on it, missing. Not to mention the jewelry and irreplaceable documents we will never find. 




I find your bank to be irresponsible and determined to cover this matter up. I would like to hear back from you as soon as possible to settle these shameful acts on the part of Citizens Bank. I am going to pursue this matter until I make Citizens Bank pay for what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing/Cancelling account

Complaint: Capital One closed my credit card account without my permission. I recieved a call today saying someone called previously and requested my account to be closed. I do not understand why my account would be closed without my permission and without contacting me. The lady I talked to said she was calling to clarify why it was closed and kept saying I requested it to be close. I told her that was not the case and that I did not request the account to be closed but she would not listen to what I was telling her and just kept repeating that I had requested the account be closed which of course I did not. I could not seem to get her to understand this and she eventually hung up on me. I have never seen customer service like this. I do not appreciate Capital One taking liberties with my card and closing it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital One had opened an account for someone in my name and I disputed the account but they refuse to close the account when I notified them I did not open the account. I tried to reason with them but they only wanted me to pay on the account. I was told that whoever had the account had made payments at times on the account and that the account would continue to be reported to my credit file. Therefore I ask what must I do to get it closed and I was told to pay the balance owed and than they could close the account, so I did. I have checked my credit file and the account is still being reported to my credit files all ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: LOAN WAS REPORTED LATE ; NEVER RECEIVED BILLING AS THE COMPANY HAD AN OLD ADDRESS ON FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Other

Complaint: I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.

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. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.

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 07-01-2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NE).
Issue: Managing the loan or lease

Complaint: Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called   XXXX   XXXX   to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a Wells Fargo Platinum credit card with an initial credit line of {$7500.00}. 
I made charges of {$7500.00}. 
I set up through Wells Fargo 's mobile app a linked checking account from XXXX XXXX XXXX. 
I got my bill, and set payment of {$1500.00}. My XXXX checking account was debited {$1500.00}. 
A couple of days later I went to use the card, and was told I was at my credit limit. 
I called Wells Fargo, they said they were holding the funds before crediting the account. They held the funds for over a week before crediting the account, even though on my Wells app it showed I had {$1500.00} of credit capacity. The Wells rep stated if I had a Wells Fargo checking account the credit would have occurred immediately after the ACH hit. But since I was not with Wells, the funds from the ACH were being held, and not credited. 
The representative was strongly suggesting I now open a Wells account so I would not be penalized with having my funds held. 
I told them, no, thank you, I have never heard of this sort of practice and I would pay off the account and close it. 
I went to the app to pay off the remaining {$6500.00}. I entered the amount, selected my XXXX checking account as the funding source. The app told me they could not process the transaction. 
I called Wells, and was told they will only process {$5000.00} in payments, and I could not pay off the account from the Wells Fargo app. 
I asked if they could do it over the phone, and they said this one time they would do it. 
I closed the account. 
Not allowing someone to pay off a balance, unheard of, and think of what it could lead to : Increased interest, as it is calculated daily, increased fees, if you are not allowed to pay your balance off, etc. etc. Wells Fargo has been a bad actor for some time, and they are back at it and this time, given what just happened, the penalties need to be far more serious. They have not learned from the errors of their ways, and should be severely punished.

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 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!

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 07/13/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: ResponseChase received your inquiry via the CFPB on XXXX XXXX, 2015. Because of the status of the loan we did not attempt contact you. Once we have fully researched all issues, we will send a written response to you detailing our resolution This is the response on your website from Chase Bank to me. They have had no problems calling in past and having their attorneys call. They once again are trying to avoid correcting their horrendous errors on my account. They have failed to resolve past complaint allowing time to pass so it shows resolved with you now doing same thing again. They have written excuses and resolutions indicating contacted me no response - noted telephone number different than on my complaint. Mailed info to the house they foreclosed on! stating no info on new address even though I have correspondence records indicating that is a lie. Noted mail returned from XXXX. verified with XXXX and my employer that is a lie - I am a XXXX employee and address changed since removed from house they have sent mail here numerous times!

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AMERICAN HONDA FINANCE CORP (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My payments are being made as they wised. I only owe a little over 1000k $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with Filings and Claims Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX

Company response to consumer: Closed with explanation