milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom it may concern : I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have made multiple attempts to resolve this issue with Transunion.
By Mail, And Phone..

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 06/14/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Non-federal student loan) with DISCOVER BANK (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Discover Student Loan has been holding onto {$17000.00} of my money for over 3 months and is not returning the money to me or the company I used to refinance my student loans. 

I took a loan from Discover to cover my tuition ( Loan ID : XXXX ) Discover sent a payment for my tuition to my school ( XXXX XXXX XXXX for {$17000.00} in mid XXXX 2015. In XXXX 2015, I refinanced all my student loans with XXXX ( XXXX ). So XXXX sent a check for all my outstanding balance to discover on XXXX XXXX, 2015. XXXX XXXX has a rule that they wont accept funds from loan providers if the the student is enrolled in less than XXXX credits. Since I was n't enrolled in XXXX credits, XXXX XXXX returned the tuition payment of {$17000.00} back to Discover in early XXXX, 2015. I paid my tuition out of my pocket. 

Since then, I have been calling Discover on a weekly basis to have them return this {$17000.00}. I told them they can either send me a check or send it back to XXXX. 

Every time I call Discover I get assurances that this matter has been resolved and the check will be mail out soon. To date I havent seen this money in my account ( personal or XXXX student loan ). 

Please help me resolve this issue with Discover. It have been over 3 months and I need to money to pay off my student loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Several weeks ago, I initiated a loan consolidation through XXXX for all of my student loans managed by Navient. Doing so, would lower my overall interest rate for each student loan. On XXXX XXXX ( XXXX XXXX, I received a confirmation from XXXX that the monies had been sent to my previous lender : Navient. Monday, XXXX XXXX ( XXXX ), I set up auto-payment with my new provider to take advantage of an additional ( XXXX ) discount on my new interest rate. Also, on XXXX XXXX ( XXXX ), I received an outstanding payment notification from Navient. I was surprised by this because I was expecting that all of my monies would have bee processed and my accounts closed with Navient. 

So, I decided to call Navient and learn what was holding the consolidation monies from paying off my account. In my conversation with a representative, I learned that Navient rejected the consolidation payment. When asked, " why? '' I was told that my account had a comments stating that I requested for the consolidation payment to be cancelled. When I pushed for more details from the representative about who could have made such a decision on my account, and when that communication was made, the representative offered to put my account in Forbearance to bring my account up-to-date and to escalate the issue to ensure that the consolidation monies are reactivated and processed. I am reporting this issue because I doubt that anyone instructed Navient to cancel my loan consolidation payment. Moreover, the representative 's handling of the situation allowed them to use this situation as a reason to change the current terms of my loan under the guise of doing me a favor. This will end up costing more money as a end result, because forbearance allows interest to accrue daily, which is more than 1 XXXX the existing payment plan that I already had with Navient and 2 ) the new plan initiated with XXXX. 

After speaking with the Navient team, I contacted XXXX to see if they had received any communications from Navient w/r/t cancelling my student loan consolidation payment. They confirmed that their offices had not received any notifications of such a change. 

I would like the CFPB to look into this matter because there seems to be no room for recourse should Navient choose to further delay my loan consolidation payment from XXXX. Furthermore, it would put me in a situation where I am obligated to pay two loan companies for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with U.S. BANCORP (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS

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 02/25/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This has to do with a XXXX XXXX Credit card that was paid over 10 years ago when after it was with a different collection agency, and they are trying to collect after the legal time allowed. There are many complaints on this company. I called them and told them to stop contacting me and they said they would not. Portfolio Recovery Associates needs to stop this behaivor

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some Transunion information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( six ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 06/23/2017 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: Account information incorrect

Complaint: XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Checking or savings account (CD (Certificate of Deposit)) with GOLDMAN SACHS BANK USA (GA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Dear CFPB, I have one CD matured on XX/XX/XXXX at XXXX by Goldman Sachs. On XX/XX/XXXX, I had contacted this bank to give my order " Do Not Renew '', but this bank would n't take my order, saying just call on XXXX, so I did call today XX/XX/XXXX. 

This bank told me today, it would take 1~2 business days to close the CD Account and deposit it to my Savings Account. I had so many different bank accounts over the years, this is news to me. Goldman Sachs bank tries to drag this on, so that 10 day grace period is over, knowing there were weekend and holiday right after 23rd. 

If it drags on few more days, my CD will be renewed automatically against my will. 

This bank changed its name recently, so that they are separated from Goldman Sachs, just in case they are being sued. This bank is so out of control that I told them before, I will be closing my account as soon as CDs are matured. Even closing account is not easy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with Mendelson Law Firm (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.

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 11/22/2016 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (CA).
Issue: Account opening, closing, or management

Complaint: I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Student loans dates and amounts as followes Date opened XXXX/XXXX/XXXX amount for XXXX Date opened XXXX/XXXX/XXXX amount for XXXX Dated opened XXXX/XXXX/XXXX for amount XXXX Date opened XXXX/XXXX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an auto account with Ally Financial. I have received 30 day late payments on my credit report on three occasions. My payment is due on the XXXX, XXXX or XXXX of each month depending on the month. 

I was having some problems receiving statements and spoke to a customer service representative about this. I was not quite sure when my exact payment due date was and was running late making my payment due to a personal issue. I made my XX/XX/XXXX payment onXX/XX/XXXX thinking XX/XX/XXXX was the due date and that this would get the payment in before I was 30 days late. I was incorrect and the due date was XX/XX/XXXX. I spoke to an Ally representative that understood I had issues receiving my statements and assured me I would not be reported late on my credit. after I was reported late I was assured again by customer service that this would be removed and to date it has not. 

I made sure to get this caught up and always make my payment before it could be marked 30 days late. Then came XX/XX/XXXX, again I am marked 30 days late. I spoke with an Ally representative and they verified that I made my XX/XX/XXXX payment on XX/XX/XXXX. Therefore this payment is not late. Then again in XX/XX/XXXX I was marked 30 days late. An ally representative told me I made my payment on XX/XX/XXXX. I actually have proof that I made this payment on XX/XX/XXXX. Again the payment is not late. 

I am attaching proof of the conversations I have had with Ally as well as copies of the payments which prove I made on time payments in XX/XX/XXXX and XX/XX/XXXX. 

As it stands now I still have not received statements in the mail and I do not have online access to view them. I never know when my due date is because it is an inconsistent day each month. I would like these late payments removed from my credit and my cosigners.

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 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Made complaint several times about Bankruptcy and incorrect addresses but still remains. Contacted XXXX XXXX court, attached letter. They did not validate information. Also incorrect address, never lived at XXXX XXXX XXXX XXXX XXXX Maryland. Experian never or other party never investigated or validated information. See attached letter from Court.

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 04/19/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still  $  XXXX +  a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: I filed complaint XXXX against XXXX XXXX XXXXXXXX attorney of fact XXXX XXXX XXXX, VP YOU ANSWER : THIS DON'T BELONG TO US. ARE INCOMPLETE, YOU SIGNATURE FROM YOUR COMPANY NAME AND VP ARE ATTACHED TO TWO PURCHASE AGREEMENTS DATED XX/XX/2009 FOR XXXX XXXX AT XXXX XXXX XXXX XXXX, MI XXXX, ONE WITH HUD AND ONE WITH XXXX  XXXX. FOR XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WERE YOU INVOLVED WITH THESE TRANSACTIONS?

Company response to consumer: Closed with explanation