milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are many mistakes in my report, Unverified Accounts :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX    Account #  XXXX   XXXX /  XXXX   XXXX    XXXX /  XXXX    Account #   XXXX     XXXX   XXXX   Account #   XXXX     XXXX /  XXXX   XXXX   Account #   XXXX    XXXX /  XXXX    Account #   XXXX    XXXX / XXXX  Account #   XXXX     XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX  Beside that, I have never paid late this account  XXXX   XXXX   XXXX   Account #  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 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  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 monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I Submitted a Family Court Order From Support Magistrate ; XXXX XXXX XXXX Dated XXXX XXXX, 2015 ( Docket # : F- XXXX, XXXX # : XXXX ) To Experian Asking Them Too Remove XXXX Account Information From My Credit Report. I was Told In The Dispute Answer They Could Not Use The Court Order. I Submitted The Same Order To XXXX and XXXX Credit Reporting, and The Both Removed The Idem From My Report History!

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 12-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling XXXXXXXX times a day morning and night. Not sure why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: ChexSystems has not responded in over 45 days to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.

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 11/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Although I paid my account in a timely manner and have never been late, Comenity Bank closed my XXXX XXXX store account with less than two weeks notice and with no reason at the end of XXXX 2017. It also subsequently negatively reported it to the credit bureaus as 'closed by creditor '. As a result, my credit score was adversely impacted with nearly a 40 point drop through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: I was told if I open a US Bank credit card and kept it in good standing I would receive a {$100.00} credit. I have not received my credit and after repeated calls I still do n't have my credit. I have kept my end of the deal but US Bank has not.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
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 XXXX XXXX, XXXX, I was removed as a XXXX % partner in a business, and the business partnership was dissolved. As shown in legal documents that I sent to all three of the credit reporting agencies as well as to two credit card companies, XXXX XXXX and XXXX, that the remaining business partner, assumed all debt associated with the company including credit cards, and that I was not responsible for the debt and wanted these two credit cards removed from my credit report. 

I have since pulled credit reports. XXXX and XXXX have removed these two cards from my credit report. Experian sent me a letter stating that they were unable to use the legal documents I provided with my dispute and are not able to make the changes I requested ( removing the two credit card that do n't belong to me from my credit report ). They are contacting the furnisher of the information or the vendor who collected the information. The furnishers of the information is XXXX and XXXX XXXX. After speaking with XXXX XXXX they took further steps to close the account in my name, and confirmed they had the legal documents I sent and agreed that I was not responsible for this debt and that they would report to the credit bureaus to remove this account from their records. My calls to XXXX XXXX has been less than satisfying and to date I have not received any confirmation from XXXX that they have reported to Experian that I am indeed not responsible for the debt and that it has/will be 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 08/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: I had a dispute with bank of america in 2012 for charges that were not valid. i later closed the account. when i checked with XXXX XXXX ( TRYING TO OPEN A CREDIT UNION ACCOUNT ) i was told that i owe XXXX to bank of america. i called and spoke with their recovery department to resolve the balance. i was told that XXXX of the XXXX is a result of over draft fees and only XXXX is the true owed balance. This was the disputed charges from 2012. i have moved and i have not received anything from bank of america for these charges. i will pay what i owe but i was unemployed for an extended time i cant pay XXXX in fees that should not have been added in the first place

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: Closed Account and TCF is claiming negative XXXX. Never had a write off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CENTRAL FINACIAL CONTROL SHOW ON MY CREDIT REPORT, I 'VE NEVER HAD A RELATASHIP WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted Navient many times to see if I qualify for a payment reduction or to consolidate the loans and they have told me many times that for my loan that can not be done. At this point I dont know what else to do. I pay and the balance never goes down. It is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.

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 03-09-2017 about Bank account or service (Checking account) with BANK OF THE WEST (TX).
Issue: Account opening, closing, or management

Complaint: I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money. 
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number 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 monetary relief
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : Bank of America apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained onXX/XX/XXXX Credit reporting Agencies : XXXX and XXXX Date Credit reports Ran XX/XX/XXXX ( XXXX ) and XX/XX/18 Called Bank of America, no information given other than the account not belonging to me. 
The {$15000.00} from Bank of America does not belong to me ( new and just starting to build credit ). Bof A thru inaccurate reporting to XXXX and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

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 01-07-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo Bank has approved and charged me for multiple transactions that I did not do. It has been going on for a year or more, thank Bank gives me very little information regarding my account. Im terrified to be shown my investments, I never get information with this. I filed a claim, multiple claims, and the total came out to over {$10000.00}. This put my life in extreme hardship. I am a XXXX year old XXXX XXXX, ( XXXX ) and I have done everything from filling dispute against the bank and going back and forth with numerous companies. There have been many problems and I have been mocked by their company. ( phone calls, customer service ) that wont help or even though you see the fraud, the department is closed are things I have been told on their recorded lines. 
I have copies or bank statements and more but I have never been able to get information on Certain accounts, and I feel at this point my money is being stolen from me.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I spoke with a representative on XXXX XXXX 2017 because I have n't got a response back from them spoke with a representative by the name of XXXX. Regarding a dispute I sent in XX/XX/XXXX which the representative confirmed that they got my letter. The letter that was sent was disputing three collections by the name of XXXX XXXX XXXX and six XXXX accounts reporting late payments that I stated that the collections were unverified and the XXXX accounts were showing inaccurate late payments under the fair credit report act section 609. The representative mentioned that the agent that received my letter in XX/XX/XXXX failed to properly process my paperwork and that 's why the XXXX accounts have n't been processed to XXXX. She also mentioned that the collections were previously disputed XX/XX/XXXX and that the collection company replied that they would stay and that 's why they were still on my credit report. At this point its been over 30 days with no response from Experian and no correction or investigation in to my letters.

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