milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CT).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Initial credit limit was XXXX I opened account 15 months ago, paid on time every month usually more than is due and usually to cover any interest charged Back in XX/XX/XXXX and again XXXX they have decreased my limit each time by XXXX and have reported the decreased limit to the credit bureau causing my credit score to be damaged I called and was told its based on my overall credit balance off all combined creditors the reserve the right to decrease my limit. Every payment has been made on time. I said to them I understand not raising my limit but do not feel the decrease and negative reporting to the credit bureau is fair

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 Debt collection (Other debt) with Recovery Solutions Group, LLC (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho. 
# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years. 
# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call. 
# 4. After filing a dispute with his company, he refused to send me copy of the current bill. 
# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter. 
# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property. 
# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days. 
( B ) work was not performed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 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 XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Afternoon, I was placed on a program due to my income probably about 8 months ago. I also had to submit information like my bank statements and work statement information. I was then requested again in XXXX to do the same thing. My account was also in delinquency and I was told once I get on this program and make payment my account would no longer be deliquient and it would show up as paid on my credit report. A couple of days ago I received a call saying that my accounts were delinquent and this is after I made the required payments. I also received a call stating I was denied from the program today. This is a total crock of stuff after all of the on time payments I made I am still being penalized and delinquent this is not a good business practice at all. I would like to resolve this situation or go into default or be transferred to a different servicers because this is ridiculous and very unprofessional. I spoke with XXXX XXXX when she told me I was denied. I am also on a income rebased payment with the federal government and I have loads of student loans there so I dont understand the denial either since the XXXX has my tax returns.

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 Stanislaus Credit Control Service, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX My Account number XXXX,XXXX,XXXX,XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

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 Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Can't contact lender

Complaint: I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: My account was subject to fraudulent activity which resulted in my bank accounts being submitted to check system.

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
Consumer complaint received 12/13/2017 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: XXXX XXXX client XXXX XXXX is an ID theft victim. Her information was used to apply for accounts with XXXX XXXX without her consent. While no accounts were established the fraudulent applications left inquiries on her credit reports. After several disputes TransUnion credit bureau is advising the inquiries are factual record and has refused to remove them from the credit file ; this is a direct violation of the FCRA.

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
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: We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on  XX/XX/XXXX  they sent me a letter on  XX/XX/XXXX  stating they do considr the dispute fraud and charged the account back.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit Bureau in violation of FCRA, FDCPA and 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 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my social security its wrong

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 10/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i lost my job tried to make a payment they told me the account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX keeps contacting my parents and grandparents who live in completely different households and states.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, Transunion, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

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 07/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account with the XXXX XXXX app that allows its users to have access to the money they 've earned after a working day. That money borrowed is deposited from our account to the app in that exact amount. However every pay week there is an agonizing delay of JP Morgan Chase Bank reporting back to app that I have been paid, so that I may begin to use the app again. I have used this app almost 2 months and have had this problem every time, that in which includes today. The app suggested I either write this report or tweet the bank in which would get their attention. I have XXXX the bank several times and only once has the problem been solved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with TransUnion. TransUnion has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked TransUnion to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and TransUnion have failed to provide me proof that I authorized these inquires. TranUnion has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. I have sent Transunion multiple written request with documentation showing I did not authorize these companies to pull or view my credit. 

XXXX XXXX - XXXX XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation