milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2015 about Credit card () with DISCOVER BANK (VA).
Issue: Billing disputes

Complaint: I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have XXXX accounts with Midland Funding. I have  requested debt verification more than one time and this company has not provided me that information. It has been more than 80 days and no information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information, that this account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.

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 02/14/2018 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: Account information incorrect

Complaint: I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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 10/14/2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (I do not know) with GRYPHON CORP. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i took this loan out in 2009 for {$9000.00} it has been transferred to three different lenders since then.The interest rates are so high.even when it its deferment or forbearance. teh monthly payments are not affordable.my loan is now at a little under {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
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: Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 
Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX XXXX ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 )  XXXX XXXX - Date Filed : XX/XX/XXXX 8 ) XXXX - Date Filed : XX/XX/XXXX 9 ) XXXX XXXX   - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Parkesburg, PA XXXX SSN : XXXX DOB : XX/XX/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 07-12-2015 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried to gather proof that the debt was mine such as some form of picture identity and signature but the company have refused to grant my request

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have talked to the American Express creditor on various occasions even contacted the executive office in regards to this issue. My account was not closed by me and neither do they have any record or recorded conversation where I said to closed the account. My name and identity was stolen and this is causing me to have a lower credit rating due to this closed account. See attached letter where they claim information but no facts to their statement or decision to resolve the matter. I need this account deleted from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Submitted dispute on XX/XX/XXXX in regards to inquiries on credit that I did not authorize and received a notice XX/XX/XXXX that some were deleted but they are still showing as inquiries on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I disputed information that was on my credit report that is not reporting accurately. TransUnion. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my TransUnion report of the improper sharing by the credit reporting company. TransUnion could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) or the results of their investigation.

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 08/25/2017 about Debt collection (I do not know) with Bonded Business Services, Ltd. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Original creditor was an apartment complex named the XXXX XXXX XXXX XXXX, located in XXXX XXXX. The debt was then passed along to Bonded Services without any written notification that I owed them. The debt was then placed on my credit report stating that I owed over {$1900.00}. During the 30 day waiting period to receive my deposit back, I called XXXX XXXX ( manager ) and the receptionist with an updated address and phone number to forward the check. 45 days later, the check nor any type of letter or phone call was sent to the address. After disputing with the new creditor about these questionable practices, they only sent me a copy of the lease contract that I signed upon moving in. There was no letter stating that they had mailed a debt collection letter, attempted a phone call or email of any sort. I am attaching the letter that I sent them on XX/XX/2017 along with additional proof asking them to remove this debt from my credit reports. To date, its still on my credit report. I 'm not looking for sympathy, but I 'm a XXXX veteran who ca n't work, with XXXX defendants and they are preventing me from purchasing a home here in XXXX, TX. While browsing the internet for apt reviews, I noticed a trend with this place. Soldiers who reside at this apartment complex are most commonly denied their money back and charged excessively for notional damages. I lived in this apartment alone for 12 months with no kids and no pets. How does one accumulate {$1900.00} in damages in 12 months? Maybe the Quality of carpet needs to change or someone needs to conduct some sort of property inspection. I 've seen the maintenance guys load a garage with old carpet on numerous occasions. I was even told that they are known to replace a tenants carpet with older carpet to justify the charges. Soldiers are an easy target because once we leave, most likely we will never come back ( military orders ) and could possibly end up overseas or combat. Not only would I like assistance on this matter, but I would like to see this business ' procedure for placing debt on credit reports. Im XXXX  and have all day to write dispute letters. What about the guys who cant or do n't have access to the internet? Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates was  notified by me on  XXXX   XXXX ,  2017  to settle this debt and a settlement was made to pay {$300.00} of the {$600.00} balance due . ( See attached PRA Letter ) The  {$300.00} was paid on  XXXX   XXXX ,  2017 ( see attached debit document ). Currently PRA has not honored the settlement. They are reporting a balance due {$300.00} to all  XXXX  credit reporting agencies. I have received no letter indicating this debt  is paid/settled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (ME).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give them.

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 01/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation