milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: took out a loan from XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full XXXX XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.

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 09-11-2017 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: What happened the school got closed do to class action law suit. The loan debt was over fifty thousand. as well as the federal loans are part Of Navient witch is also had its suits

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a notice in a name similar to mine that I owed {$290.00} to XXXX XXXX XXXX XXXX. I have no outstanding or late debts and am not familiar with this debtor. Company that issued the letter has many XXXX complaints and according to internet posts harasses people. I tried to call them and report the error, but they only accepted calls from XXXX other states. I think this is a scam to extort money from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They were subject to a data breach in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.  They have put myself and millions of others at risk of identity theft/fraud. They are further attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. It is further unreasonable that they have not directly notified anyone affected by this incident, nor disclosed the breach in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX account on my credit report that XXXX has no idea what this is on my report as I have an account in good standing with them and they do not report to the credit bureau

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 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: Took out a loan with One Main Financial for {$5000.00} but it was reported to the credit bureau as almost {$10000.00}. It was the interest if the loan was paid back as scheduled but that interest is n't due except what is due at the payment due date. I have paid a lot of extra payments but the loan still is reported as if only a full balance of interest and principle is still due. In other words they are over reporting to the credit bureaus the amount of the loan and they are still only showing the payments I have made as principle and not lowered the amount because interest would be a lot less. I have made about {$2000.00} payments in less then 4 months so interest on the loan would be considerably less if they are allowed to report the future interest as balance due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: this debt, original creditor XXXX XXXX account XXXX was settled in full with a partial payment with the original creditor XXXX XXXX, they cashed the check submitted which noted partial payment for payment in full on it, the origins creditor subsequently a few days after cashing the check illegally sold the debt to portfolio recovery associates who has all the pertinent information but illegally leaves the trsdeline on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with Broward Adjustment Services (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX   XXXX ,   XXXX  , I had an   XXXX   XXXX    performed at the  XXXX   XXXX   XXXX   XXXX   XXXX . Prior to this procedure, I was informed and signed a document stating I would be responsible for {$110.00} which I paid the day of the procedure.   A few months later I received an invoice from the University  XXXX   XXXX   XXXX   XXXX  showing an additional amount due of {$390.00}.   When I called the hospital billing department to question this additional amount, I was advised to send a letter to t he Disp  ute Resolution  Department, which I did on  XXXX   XXXX ,   XXXX  .   I followed up with phone calls and emails and received confirmation in  XXXX    XXXX   from  XXXX  in t he Dispute Resolution  Department that my letter had been received and was being reviewed. I never heard back from anyone, never received any phone calls, emails or correspondences about this matter.   I recently found out that my  credit score ;  which has been around  XXXX  for many years just dropped over  XXXX  points. After requesting my credit report, I learned that a company named  BROWARD ADJUSTMENT SVCS reported  a collection of {$390.00}, amount that was in dispute with the University  XXXX   XXXX   XXXX   XXXX . I was never informed by the hospital that my account would be turned over to a collection agency and was never contacted by  BROWARD ADJUSTMENT S VCS about this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted

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 03/24/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have mailed copies of my DL and Court documents via US MAIL and no response I have uploaded my documents to their site and no response I have faxed my documents to them and no response on the update of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient called an ex boyfriend from 8 years ago and left him a voicemail with my name and that I was late on my payment. His contact information is not linked to my account and never was. I feel as if this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with Cawley & Bergmann, LLP (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have XXXX of my collections listed as " medical ''?? but they " verified it, XXXX '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

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 01/30/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
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 06/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX at Midland Credit Management , Inc. has called repeatedly to my workplace and is being rude to my fellow employees. He may cost me my job by telling the person who answers the phone who he is and who he is with. I 've had two fellow employees send me messages that " XXXX with the Debt Collector called again and was rude to me. '' Would you please call him back and pay your debt. <P/>He is harassing me and continues to call after I have notified them in writing to no longer contact me.

Company response to consumer: Closed with non-monetary relief