milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.

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 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The federal Fair Credit Reporting Act ( the " FCRA '' ) section 604 outlines permissible purposes of consumer reports. On that outline it is very specific as to what qualifies. Go threw ALL of it and you will notice that it is NOT APPLICABLE to those Hard inquiries. These inquires are not from Collection agencies, Employers, Government Licensing, Insurance companies, National security, or from creditor that I have existing accounts at the time of the inquiries, ect .... I have attached all of Section 604 as proof. Continuing to not follow CRA guidelines after these complaints have been made is willful noncompliance which is outlined Section 616 and 617 and there are legal consequences as outlined. And those legal consequences will be followed threw if willful noncompliance continues. In addition if I must I will send all of these transcripts to Senator XXXX office.

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 07/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took 4 loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX of XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion received multiple disputes with correct and legitimate concerns and contacted me asking for additional info. I included substantial documentation including a copy of my ID and recent mail to verify my address. 
Transunion has failed to address errors on my credit report even after I disputed and followed the dispute process in its entirety. 

This is just a stall tactic, illegal under the Fair Credit Reporting Act.

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a mark on my credit score from XXXX different companies ( HARRIS & HARRIS, LTD, and XXXX ) about the same debt. My credit score says that the debt was reported by XXXX XXXX but when I tried to contact all of the possible medical practices that I have been to in the past 2 years, none of them had any record of me owing a debt. I can not find any legitimate information about the XXXX different debt collection agencies to be able to email them and contact them myself. I would just like to pay any debt that I potentially have, or get the mark removed from my credit score if it is a mistake/scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I recently went to check the balance of a gift card, and the balance was {$0.00}, with multiple purchases occurring in California ( while I live in Massachusetts ). After contacting AMEX, I was told the card was physically swiped at both locations and was told there was nothing they could do. After informing them I have n't been to California in years and I have the card in my possession, I said there must be a security flaw. They continued to push back saying there is nothing they can do, and I finally had to have them commit to escalate the issue. The person on the phone promised me I would receive a call within 48 hours, to which I asked he reconfirm that as we were on a recorded line. After reconfirming I would receive a call back within 48 hours, the call ended. Two weeks later, I have not received a call and when calling back regarding the issue, AMEX is demanding a receipt from the time of purchase ( which I do not have as it was a gift ) and has refused to commit to have someone call me back. I informed them that I was promised a call back last time, to which the response was there is no way to confirm them. I reminded the worker that we are on recorded lines and it was very easy to confirm to which I was put on hold, and now 25 minutes into the call I have not had anyone come back to the line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (SC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: 1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Resident Collect, Inc. continues in their attempt to collect a debt that was discharged in a Chapter XXXX bankruptcy in XXXX 2013. They have sent collection notices and have called my cell phone. My attempts to contact them to inform them that they were listed as a creditor in the discharged bankruptcy have been met with accusations of me lying about the bankruptcy ( I tried to provide them with the case number ), hanging up on me and then calling me back a few minutes later and when I answer they hang up on me again. During a phone call to them, I was explaining that this had been discharged and the rep said in a very sarcastic, belittling manner, " Yeah ... ok ... I highly doubt it ''. When I informed him that I was going to call my attorney about this he stated, " You do that if you really even have one ''. I asked them why they were continuing to attempt to collect a debt that was discharged in a bankruptcy, I was told, " Obviously you owe the money and there was no bankruptcy - so sounds like you need to pay up ''. 

I called my attorney and they verified that RCI was listed as a creditor and that this activity was indeed illegal. She advised me to fax or send them a letter explaining what I have tried already and to include a copy of the discharge. I have tried to contact them to obtain a fax number and as soon as I explain to the rep what I need the fax number for and give them my account number, they hang up on me. I do not want this account updated on my credit report since it was included in the bankruptcy and is not a current debt. I want ALL of their collection activity tactics to cease immediately.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I work as a XXXX XXXX and my contracts face sudden ends due to layoffs. Twice - between XX/XX/XXXX and XX/XX/XXXX - I was unemployed and called Navient regarding the law that the government had passed in XX/XX/XXXXregarding student loan repayments available based on income. This was important to me because, in the past, forbearance or deferment had always been my only option.

When I called in XX/XX/XXXX, the customer service rep in the XXXX said that repayment option was " not allowed '', despite the fact that I was not in default or any other situation that would have warranted that rule. He said Navient " does n't have that option available. '' He said my only options were forbearance or deferment and I ultimately had to choose deferment, because he said it was " cheaper. '' This is despite the fact that Navient had sent me generic " do not reply '' automated e-mails listing the other repayment options available, as mandated by the new law.

The customer service rep also did not send me the promised deferment documentation to my e-mail address so I could fill them out, although he said that he did. I have all the e-mails from them, dating back to XX/XX/XXXX in my XXXX XXXX account. By the time I got back in touch with them asking where the promised forms were, they had charged late fees on the account and additional interest accrued. They would not reverse the late fees but said I was supposed to go online to fill out the forms.

I felt they were very deceptive. I had a shouting match with them because I have come to find they are always deceptive. Navient has basically kept me in a loop on the repayment of this loan with continual forbearance and deferment for years. When people ask me why I still have a student loan, I tell them its because a ) I have no option but deferment or forbearance because Navient says I have no other options. b ) I have no options to refinance the loan with any other company because our government does not allow that. c ) The interest keeps accruing due to my work as an on and off XXXX XXXX and the loan continues to accrue interest.

I am a loop in XXXX with this loan that, considering my age and my mistake of returning back to school at a later age, will never be paid off until I am XXXX. To Navient, I am probably considered a good cash cow since my employment situation as a XXXX is on/off employment. For me, I can never make a dent in the balance because the payments are too high when I am unemployed and I have to defer, then I go back to work and the payments are higher, and it happens over and over again.

Over the years, XXXX XXXX and then Navient has never given me any other option except deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.

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 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: Applied for an Amazon.com rewards visa card, was promised a {$70.00} Amazon.com gift card upon approval, but was only issued a {$50.00} card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: On XX/XX/XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XXXX, I was also approved for the Income Based  Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at transunion she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies Transunion, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.

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 04-08-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi, I am not able to get my annual credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (MA).
Issue: Other service problem

Complaint: Trying to connect my bank account with a third party application but the Bank is blocking this from happening.

Company response to consumer: Closed with explanation