milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with South East Collection Specialist (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 06/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I recently discovered Spotloan C/O Blue Chip Financial is a tribal lender and not authorized to extend loans to California residents. I sent a letter offering to pay the principle balance of the loan even though I am not legally required to do so, and received an email refusing my offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the debt and I keep receiving bills and phone calls. The account # XXXX has a credit balance that was to be applied to acct # XXXX. These are XXXX account numbers. The accounts were sent to Receivable Solutions, INC. and both agencies refuse to make the corrections. The name of the rep at RSI that I have spoken with that were rude and condescending. I will go into details once I speak with someone from your office. The reps are XXXX ( rude and condescending ) XXXX XXXX rude, XXXX and XXXX.I spoke with those representatives in XXXX, XXXX, and XXXX On XXXX spoke with XXXX a supervisor that saw the problem apologized and stated it would be corrected. On XXXX/XXXX/16 I spoke with the rudest of all supervisor named XXXX and he told me to send a letter to time relations and he was not going to research the issue and I can not speak to his manager or anyone higher than him. The phone # to RSI is XXXX XXXX XXXX. 
In XXXX I also contacted XXXX billing and spoke with XXXX and he refused to transfer me to a supervisor. He was threatening, rude, condescending. He consistently over talked me, and used abusive and profane language. He gave the phone to someone else that said his name was XXXX the traffic director and he would have XXXX XXXX call me. I have sent a letter with a copy of all documentation to XXXX XXXX the Director of Patient Accounts at XXXX her phone number is XXXX and the account still has not been corrected. I do not owe this bill the hospital owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my report and offending my score

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 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's has called me XXXX times today, and at least 3 times every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I do not remember when I have opened my XXXX XXXX account in response to an advertisement or so. Since then I barely received professional business services or practice. So, I have requested to close the account few times. They have not closed it. Then, I stopped using it. Still they sent me new card before the renewal. I dumped them. I again received them in the mail following year. This time I did not destroy them, but did not use them. 

Same or following year, I used it. Again, same problem and customer service is basically a customer harassment service. Nothing works to fix their errors nor do they understand simple math. So I asked again to close the account and destroyed the cards. 

I did not follow up after that. Two years or one and a half, they sent visa card, this time this was some of XXXX subsidiary or small contractor. I do not have any idea, who applied for the XXXX card. The Old account is gone and I was needed to create a new account. 

I started using the card, about 4/5 months earlier, I received a statement showing I have interest for $ 3- {$4.00}, I did not pay them but asked why there were interest. Few days later I received an on-line response, saying I did not pay my balance in full. 

THIS CLAIM IS TOTALLY FALSE. 

I do not carry any balance, ever, and that applies to all of my credit cards! regardless the balance is {$1500.00} or {$15000.00} I have never carried balance. I always pay the balance in full. I asked for proof, no response. I then asked to close my account in writing, as attached. But no action. I the meant time that interest must have grown to 3/4 folds. I clearly declared that I am not responsible for any charges if the account is not closed. 
I have written to XXXX XXXX on XXXX18, but no action besides leaving a voice mail to call someone. If I call, after waiting for a while I have to listen to their lies. Also, I can not keep a document of what they are saying. But they would not respond in writing because their lies will be exposed. I have repeatedly asked them to close my account, please see attached. They did not close my account. I have asked for proof, no response. I have investment accounts with fidelity, I am removing them as they are no longer trusted and involved in improper business practice

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 12/28/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Ally Financials need to spelled my name right. Which is XXXX Also, I have been send a reminder notice of payment when I still have until XXXX to pay my bill. I personally call at the beginning of the loan and request for my due date to be move from the XXXX of every month to the XXXX of every month. I get paid on a Bi-Weekly basis and the payment is set automaticly for it to go on XX/XX/2016 and a payment of {$300.00} has been set. I do not understand why this company is harrassing me so much when I have always paid like this. I do n't understand why they are charging me so many late fees when I have paid. They move my due date to the XXXX of everymonth and after this day is when the late payments should be posted not before. Why they have not post a reacent payment of {$260.00} that I made on XX/XX/2016

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 11/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Capital One Credit is reporting a balance that was XXXX in a chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Auto debt) with CL HOLDINGS LLC (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Bankruptcy reported on XXXX and Experian credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XXXX XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XXXX XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove 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 non-monetary relief
Consumer complaint received 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In addition to my pending case with CFPB ( CASE NUMBER : XXXX ) ; On XXXX XXXX, 2016, TransUnion deleted all my inquiries including the fraudulent inquiries but, later re-inserted all the inquiries that were removed including the fraudulent inquires. I 'm sure thousands of consumers have been affected by TransUnions awful reporting and non compliance of the FCRA. 
TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. TransUnion violated my rights under the FCRA SECTION 611 laws. 
I have provided proof in previous disputes to TransUnion regarding fraudulent inquiries in my credit profile now I have additional proof they are continuously violating the FCRA laws. 
I have proof of the removal and the reinsertion from XXXX XXXX. 
I demand the inquiries to be removed from my credit report in exchange of me pursuing litigation in this matter to enforce my rights under 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 03/26/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. 
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. 
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. 
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. 
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. 
I do not understand how what they are doing is legal ; providing false information like this. 
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XXXX/XXXX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XXXX/XXXX/XXXX but will not delete from my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Their investigation did not fix an error on your report

Complaint: I disputed some items on all 3 credit bureau XXXX deleted them all but XXXX and Experian have a few still on there and wont remove them off.

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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off a fee owed to my bank last year and its shown up on my credit report as " open ''. I 've checked with the bank, and i 'm squared away. They 're not sure why it 's on my credit report and I 'm not sure why either. I 'm worried this has affected my credit score. Please help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Deposits and withdrawals

Complaint: PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I ordered shades from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , CA. I provide d my  Chase  credit card info for half payment. The shades do not fit as promised and are defective. Without authorization   XXXX   XXXX   XXXX   made a second charge for the balance on the contract despite the defective products and installation. Thus, I disputed both the initial  Chase credit card charge ( as defective ) and the second Chase credit card charge ( as unauthorized ). Despite numerous calls and  emails with Ho use of   Blinds, the matter is still not resolved. Despite my secure emails and calls to Chase, Chase " rebilled '' the  second charge because " it was  not a duplicate '' ( a mischar acterization of the dispu te ). Chase makes it e xceedingly difficult to dispute unauthorized charges and to dispute defective product/services. Please help. Thank you.

Company response to consumer: Closed with explanation