milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continuesto claim they have verified a XXXX account, XXXX XXXX from XXXX XXXX XXXX From XXXX, XXXX XXXX XXXX from XXXX and I sued these companies and have a legal settlement from both that they 've requested the accounts removed. Experian refuses to comply.

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 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XXXX XXXX, XXXX To : Consumer Financial Protection Bureau Subject : Complaint against loan servicer Navient Solutions LLC XXXX XXXX XXXX, XXXX, PA XXXX Dear CFPB, I initially submitted this complaint, and the response was that the location was inaccurate. This was a correct assessment, as I provided the address for XXXX XXXX against the Navient name. This will be a resubmission of this complaint based on the service address listed in the subject line and as noted in the screenshot on page 5. I would like to formally resubmit this complaint against Navient regarding a student loan which I believe I should not be paying XXXX Signature Loan. I made a simple request to Navient to provide ALL documentation of this XXXX Signature Loan and I want all of it from the time of inception to now. They have repeatedly ignored my requests even after multiple times of contacting them through my secureonline account that I was requesting to have the documented email trail. I want Navient to provide proof that they have the paper trail for this loan and can support the numbers as to why it doubled from an originating value of {$15000.00}. If Navient can not provide definitive evidence of this loan, then discharge this note and remove it from my account. If Navient bought this note from XXXX XXXX, then Navient should have also inherited the history. Provide that history and tell me why it has inflated from $ XXXX to {$30.00} at 6.25 % and on top of that additional notes that equate to $ XXXX. My complaint is that I do not think I should be paying any further on this XXXX Signature Loan. At the time, my name was XXXX XXXX XXXX. Ive since remarried, and my new last name is XXXX. In the subsequent pages, I will detail why I believe I should no longer be paying on this note. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with NRA Group, LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have received a letter from National Recovery Agency for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received an XXXX notice, I checked my credit report and saw Meridian on there.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

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 03-01-2017 about Payday loan () with LDF Holdings, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this date and they will not send me a copy of the paperwork.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to Experian on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Went  through  XXXX    XXXX   XXXX   which made an agreement with  XXXX   XXXX    XXXX    in the amount of  XXXX  through the law office which was representing  XXXX   XXXX . Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  XXXX    XXXX   telling me I was delinquent. I have spoken to many individuals at  XXXX    XXXX   who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint is about Hard Inquiries placed on my credit report by Equifax these inquiries was Fraudulently placed on my credit report and preventing me from obtaining credit. 
XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I originally sent this dispute ( Case number : XXXX ) and contacted XXXX County and received the attached document showing the tax lien has been paid in full/ satisfied. There are XXXX entries under the public records for this dispute on my credit report. It is under XXXX County Spr Cour and XXXX County Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?

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 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.

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 07-03-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my XXXX card off in full on XX/XX/XXXX17. They then charged me a late fee and interest and have been charging late fees and interest evey month on the original late fee. that is now well over {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (AL).
Issue: Problems when you are unable to pay

Complaint: I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, Transunion, XXXX and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/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 non-monetary relief