milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aspen National Financial, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Will not give me a pay off letter, and every time I tried to pay what was on my credit report they would change the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Optio Solutions, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This collection company was a group of men that I feel threating behind their calls. XXXX XXXX who represented himself as a manager for the company Qualia Collection agency laughed at me. Used a very threatening tone with me and told me that my mom was going to be charged in the state of Texas unless the debt was paid. I am in tears and shaking after speaking with them and I am in fear that these men even have my information. I ca n't believe that this is acceptable to collect a debt and never have I ended up in tears and felt badgered for someone simply trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Payday loan () with Bizcorp, LLC (MD).
Issue: Can't stop charges to bank account

Complaint: Someone continuously calls my home and family members about a bogus payday loan. They are threatening me with sapena and legal threats. In XX/XX/XXXX or XX/XX/XXXX I did take out a payday loan but I do n't remember the name of the payday loan that I used. The people who called me lead me to believe that they were representing the payday loan that I supposedly used. I asked them to send me documentation stating in writing that I owe them money. They said they would send me an email pertaining to the outstanding payday loan.Due to the scare tactic of them threatening to come to my job and constantly calling my family and me numerous times. I set up a payment arrangement. As I was giving them my information they said they can only take credit cards or debit card prepayments. And so I agreed but once I got off the phone with these scammers I looked up their company name that they gave to me over the phone and the internet revealed that the company is not to be trusted. They are scammers. I have 4 prepayments set up starting on XX/XX/XXXX. I am unable to cancel the payment arrangements and /or prevent them from using my debit card or personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Billing statement

Complaint: I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. 

During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of {$3400.00} was taken from my bank ( XXXX Account # XXXX ) without my authorization. This occurred on XXXX XXXX, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. 

I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned, but they had not. I offered to show them my XXXX statement as proof the money had not been returned. 

On XXXX XXXX another 'Payment Adjustment ' was listed on my statement for {$3400.00}. Still no actual funds were returned to me. At this point my credit card balance was over {$6000.00} due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with XXXX Bank. XXXX issued me a provisional credit. Their investigation continues. 

On XXXX XXXX, another payment adjustment was issued by HSBC. This time for {$1500.00}. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my XXXX statement as proof. 

On XXXX XXXX, another payment adjustment was listed on my statement. This resolved the {$1500.00} in question, but not the initial {$3400.00}. I am still waiting for them to resolve the initial complaint and return the {$3400.00} to me. An investigation into this issue has been ongoing since XXXX XXXX. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. 

It has been over 60 days since my first complaint was filed. 

The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. 

I am having a lot of trouble resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with Chase Auto Finance about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Unsolicited issuance of credit card

Complaint: I received a bill for an XXXX XXXX XXXX Mastercard, issued by Barclaycard. The bill was for a past due charge of {$89.00} which related to the card 's annual fee. I never signed up for this Mastercard, nor received the card, nor activated the card, nor used the card. 

I called Barclaycard to deactivate the card and have the annual fee charge removed. They deactivated the card but refused to remove the {$89.00} annual fee charge. Their explanation was that I used to have a XXXX XXXX XXXX US Airways Visa card and that as a result of the US Airways XXXX XXXX XXXX merger I was issued a new card through Barclaycard. The Barclaycard representative I spoke to informed me that if I did not pay the charge, it would go to collections and negatively impact my credit. 

The unsolicited issuance of a credit card and subsequent charge of an annual fee is an entirely fraudulent and underhanded business practice. This is theft. Barclaycard has signed me up for a service without my consent and is charging me a fee that I did not agree to. I did not request their Mastercard, I did not receive their Mastercard, I did not activate their Mastercard, and I did not use their Mastercard. Their actions appear to me to be entirely criminal. They are preying on unsuspecting consumers and I request your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: Regions Bank are reporting a report for non sufficient- funds to XXXX . Original charge off amount of XXXX. That is not accurate. The contract ended with a XXXX balance.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A hard inquiry shows on my Equifax credit report. I did NOT authorize or initiate this. Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I have communicated with you before on another similar matter and had a very informative discussion with XXXX of your advisors. The complaint this time is specifically against Equifax which is something I do not enjoy doing. More than 45 days ago I sent original copies from my XXXX and XXXX credit reports to Equifax about a XXXX Bank account which does not belong on my credit report and was removed by the other credit agencies after a very detailed investigation. However, Equifax has not acted on this and also has not responded to my letters and information which specifically requested a timely response under the FCRA due to implications for my job applications requiring top secret clearance. My feeling is they are severly under staffed but in the end they must comply with FCRA investigation timelines and actually process the consumer complaint. They have not sent me a free complete copy of the Equifax file with updated information as I had also requested in my letter do to identity theft issues which they have already know about for 7 months. I have recently spent a fortune on signing up with XXXX different credit monitoring agencies in order to be able to pull full reports from all three bureaus at 7 day intervals due to the importance of this. This is driving me crazy since I have done everything legally required with no professional response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with Premium Credit Bureau (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with RGS Financial, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple calls received everyday from : XXXX. 

I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. 

Several times when I pick up, there is only silence on the other end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 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: I co-signed both private and federal loans for my brother to go to the XXXX ( XXXX ). Within the past year he 's been unemployed and has deferred his loans. I also paid {$150.00} 3 times to place the loans in forbearance. Navient said he would n't have to pay for 3 months but within that time, they continue to constantly call both of us, send us emails and say that payments are late. Twice within the past 4 months, my brother has called to figure out a payment plan or do what was necessary so this would n't affect my credit. The first time was within the forbearance 3 mts, they said he could defer the loan until XXXX but continued to call me and when I answered they told me he never called and that I needed to pay or my credit would be affected. This was the last time I paid {$150.00} and was told a payment was n't needed for 3 mts but then the calls and harassment started again a month later so my brother called and worked out a payment plan of {$400.00} a month. He gave the customer service rep his checking account information so the payment would be automatically withdrawn from his account every month. Now we are being harassed via email and constant phone calls due to payment not being received since XXXX XXXX, 2017. They are claiming that my brother owes {$1200.00} this time to make him current. At this point, I do n't know what our options are since every month its the same run around and they keep taking our money then saying they need more to make the account current. My concern is how much money has been incorrectly accounted for, will this eventually negatively impact our credit, how much extra interest has occurred and how do we get this to stop. To add to this, Navient never documents when my brother or I have called. I 've asked what 's been documented in the account, nothing. I 've also asked for confirmation emails every time I paid {$150.00} and never received anything. Can you please help us? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (CA).
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: I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I recently purchased an item on Ebay and as with most purchases, had to pay with Pay Pal. I hit the button to go to Pay Pal, completed what I thought was the information to get into my account, which I use infrequently and completed my transaction. Yesterday I received a notice from PayPal Credit welcoming me to PayPal Credit and informing me that I owed them {$89.00} for my purchase. I called the number on the form letter and was told that I had signed up for PayPay Credit during my transaction. I told the gentleman that I wanted the account closed immediately and there was very little push back from the person. My sense, frankly, was that I was not the first person to have been deceived in the process of trying to get to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.

Company response to consumer: Closed with explanation