milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 06-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: A year ago   XXXX   I applied through   XXXX   XXXX   XXXX   for a bed after graduating college synchrony bank  finance  to me at a promotional interest rate that I never knew was going to increase I started noticing that my balance never got any lower I never purchased anything after that I called and found out that my interest rate was almost 30 % I spoke with a customer service rep and then a supervisor and was told it 's not going to change there is no way I would have financed through this bank if I had known that the interest rate was going to be so high

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 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts that are reporting on my trans union report that are not mine XXXX XXXX infinity XXXX XXXX accounts are not mine have them removed from my 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 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: Old information reappears or never goes away

Complaint: ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

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 05/17/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/XXXX, XX/XX/XXXX, Equifax are ALL Falsely reporting a credit card charge off from XXXX XXXX XXXX that is 8 years old. All 3 basing the information on information provided by XXXX XXXX XXXX .... but XXXX XXXX XXXX claims they have no record. XXXX XXXX XXXX claims their records only go back 7 years and they have NO information .XXXX, XXXX , Equifax are Damaging my credit with NO documentation from XXXX XXXX XXXX that would Support a Derogatory credit card report.I have contacted all 3 agencies and all 3 Refuse to provide documentation to support their consumer credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested a credit line increase on m y Chase  credit card. They said they would need to run my cred it ( har d inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  X/X/2017    and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted   XXXX   disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times Chase with no answer. In summary, Chase performed an explicitly unauthorized access to my  credit score , violating my rights, and perhaps violating the law, and they are not doing anything to fix it.   XXXX    denied without major reasons my request to fix this, in spite of the supposedly communication sent by Chase reporting the inquiry as erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Citi bank credit card : I've been paying XXXX XXXX XXXX ( the collection company hired by Citi to collect payment ) regularly for over 1 year. They set up reoccurring payments and told me that they would notify me when it was time to set up the next set of reoccurring payments. Come XX/XX/XXXX I get a call telling me that I haven't played since XX/XX/XXXX. When I ask them why they didn't call me to set up the next set of payments like last time they told me that they were not allowed to call me since my payments were up to date. I told them that it wasn't fair to lead me to believe that they would call me to set up the additional payments and then not do it. On top of this I told them that I was in a FEMA declared disaster zone ( I was out of work and dealing with flooding in my house ) and asked them if they could put a hold on my account like all the other credit card companies were doing, they told me to call Citi bank. I called Citi bank and they told me to call XXXX XXXX which I did and they told me that only Citi could authorize this ; they did tell me that they were offering a temporary hold for their current Customers due to the hurricane but that I would have to call XXXX to ask them ; XXXX again told me that only CITI could do that. I started paying immediately after finding out that the payments that were set up were over and Citi is still reporting the payments as late on my credit report. I think it's really unfair that they could do report whatever they want without offering their former customers who are paying of their debt a reasonable method to address any issues. I've called Citi numerous times and all they tell me is to call XXXXXXXX XXXX   and when I do call XXXX they tell me to call citi, there is no accountability anywhere and no way for me to address these issues.

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 11-07-2017 about Student loan (Private student loan) with Earnest Inc. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and XXXX XXXX XXXX, XXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and XXXX says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Charged fees or interest I didn't expect

Complaint: The name of the lady that contacted me is XXXX XXXX phone number at XXXX, she said she was with XXXX XXXX out of XXXX, texas, she told me I had felony fraud charges against me and a useless check issued and that XXXX the woman told me I was going to XXXX for 108 days and I was going to have a warrant out and I never receive any mail from these people to see If they are legit please help me, my name is XXXX XXXX and XXXX number is XXXX, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, My name is XXXX XXXX and I've been banking Bank Of America for 13 Years and Ive been dealing with being charged access fees on my account ... Especially for the past 2 years Ive been paying fees after fees. After reviewing my account I have added up over {$800.00} in over draft and transfer fees.. I have reached out to The bank personnel to resolve this issue but it continues ... Almost every time I received a direct deposit my account is hit with many fees ... This bank is will process the largest transaction to make sure your account will become negative! This matter is becoming very stressful to deal with ... This is an ongoing matter and I need someone to help me!!!!

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Closing on a mortgage

Complaint: Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.

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