milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Finance System of Richmond, Inc. (KY).
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 contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (I do not know) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Managing the loan or lease

Complaint: I have had a Best Buy credit card since XXXX XXXX and have always had an excellent payment history. Over the years, I have spent XXXX dollars at Best Buy. 

In XXXX XXXX, I paid off my balance of {$10000.00}. In XXXX XXXX, XXXX XXXX renewed a protection plan for a computer we no longer have and that I was unaware was being charged. Since my Best Buy account was paid off, I had n't received a statement in months, and had in the meantime changed my email. So I was not receiving notices sent to the old email. We received automated calls from Citi, but as there was never a person on the line, we assumed they were another sales call. 

I did n't become aware of these charges until Apr XXXX when checking my credit report. By this time, with several months of late fees added, my balance was {$170.00}! I was sure that having been an excellent long-time customer of Best Buy, I would have no problem having these changes reversed once it was explained that I never received any of these statements. I was told by Citi to contact the XXXX to have their charge reversed, then they would review late charges. When I contacted the XXXX, the rep said she could n't reverse the charge, and she was extremely unhelpful. Despite repeated requests, she refused to let me speak to a manager or anyone else who might be able to authorize having these charges reversed. Even though I was upset with the way I had been treated, I decided to go ahead and pay the charges so as to keep my Best Buy account as well as to protect my credit rating. Within a day or so when I was able to go online to make a payment, I found that my account had been closed. I was never informed that this was happening. I have enclosed attachments showing the statements in regard to the above figures. 

I have been an excellent Best Buy customer for years and am very upset and shocked at the unfair treatment I received from Best Buy. It is unbelievable to me that they would be willing to lose such a good customer over {$32.00}! This has had a very negative impact on my credit rating. I am hoping that you will review the circumstances surrounding this incident as well as my previous record with Best Buy. I am hoping, at the very least, to have this record removed from my credit report. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've noticed there was an address reported on my personal information which is the XXXX address which that I do n't know of because I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: Citibank is calling and harassing me. I do not have an account with them and I told them that they have the wrong person. I asked them to remove my number and I was told that they would not do so. They are asking for a male, and I am a female. No males with that name live at this address. They are calling constantly. I called back and screamed /yelled at them because I was so frustrated with the calls. This phone number is in my name, not the person they are asking for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: On the nigh of XXXX/XXXX/2016 to XXXX/XXXX/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my SSN and did n't even send me an email to notify me. I get that security breaches happen but I could have protected myself long before now if they had the decency to notify their customers. Seems to me like they were trying to sweep it under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: During the period from XX/XX/XXXX to XX/XX/XXXXNavient incorrectly applied my payments so that I was paying interest which should have been subsidized by the Federal Government. I filed a complaint with the Department of Education in XX/XX/XXXX, several weeks went by without resolution. I filed a second complaint with the Department of Education and a third complaint with the CFPB. Several days after filing the second and third complaints, Navient sent a letter, case # XXXX, admitting they had misallocated my payments and saying the amount of the subsidized interest that I had paid would be credited back to me in early XXXX. I contacted XXXX XXXX, my " Customer Advocate '' at Navient in early XXXX. XXXX XXXX was unable to tell me why the money had not been credited to my account. She was also unable to tell me when it would be credited to my account, or how much subsidized interest I had paid ; in Navient 's current online system, payments made by the Department of Education are not identified so I be sure how much subsidized interest I paid by looking at my account online. I have been diligently contacting XXXX XXXX weekly since the beginning of XXXX, but she has not been able to give me any information. It does not appear XXXX XXXX is looking into my case, or that Navient has any intention to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with National Principal Group, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I, my friends, my family, and my employer have all received multiple phone calls from an agency, purportedly to collect a debt. When describing the ways in which these collectors have violated the FDCPA, I had XXXX or XXXX different options from which to choose. These people have refused to verify any debt. They have refused to disclose from what agency they are calling. They have called my employer repeatedly, after the human resources manager hung up on them, in an attempt to block the line. They have called my employer threatening to serve me with papers, and asking how they can contact me. They have used false court filing numbers ( such as case numbers, etc ), as though a debt had been litigated already. They have used generally abusive language, have been harassing, and have used false telephone numbers, spoofing the number of my local court house, to convince me that they were calling from a governmental agency. In their latest attempt to contact me, they inadvertantly left a name of their agency which I could then research online. I have since submitted a complaint in writing to them, requesting they cease all telephonic communications with me. If they violate this request, I have informed them I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WI).
Issue: Account opening, closing, or management

Complaint: Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with CCB Credit Serivces, Inc (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing disputes

Complaint: I made two payments XX/XX/XXXX to the TJX Rewards Mastercard. The account is closed and I do not use the card, I just want to pay it off. One payment was made on or before the due date of XX/XX/2016. The other payment was made on XX/XX/2016 to pay XX/XX/2016 payments. I paid at that time because I had the money and because if I wait to pay from XX/XX/XXXX 's first paycheck, I run short due to rent. XX/XX/XXXX they started calling me telling me I did not pay XXXX 's payment. I explained to them that I did XX/XX/XXXX. The payment made XX/XX/XXXX was for XX/XX/XXXX. I have had three telephone conversations with them ( heated ). They led me to believe they would credit the payment for XX/XX/XXXX and refunded the late fee for XX/XX/XXXX. However they have still not properly credited the payment and I continue to receive harassing phone calls from their collections department. By refunded the late fee, they have admitted there error as far as I am concerned, but the harassing phone calls continue. I received 3 already today before XXXX ET. I do not answer, but I know it is them because the numbers are unknown. They agreed on the phone to properly credit the payment and the late fee. They have not properly credited the payment. As a result of their refusal to properly credit the payment, I will incur a late fee each month because they are considering me a month behind. I paid for the month they are disputing. I am not going to pay them 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 monetary relief
Consumer complaint received 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX and Experian refuse to remove the accounts from my credit. Even though those were never late and we 're both included in a bankruptcy chapter XXXX that i filed in XXXX XXXX. It is well over 7 years since filing, and they refuse to remove it, I have disputed it several times before to no luck. Even on their own website, Experian explains that they are removed 7 yrs from the day of filing, they state that both accounts are to remain in my report until XXXX, even though the 7 years after filing have already passed, in fact it is about to be 8 yrs now. This is harassment, what is the point of filing and paying if they will do whatever they want in spite of the law?. Please right this wrong, they are supposed to remove this from my report yet refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I been contacting XXXX  for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received

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 12/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that XXXX, XXXX and Transunion have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16 * XXXX * XXXX XXXX Thank you, 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 01-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diverse Funding Associates LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.

Company response to consumer: Closed with explanation