milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is reporting fraudulent information and when I try to contact them their website does not work. They are in violation of Section 609 of The Fair Debt Collections Act by not having and not being able to produce on demand the consumer signed contract with the alleged creditor.

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 07/30/2015 about Debt collection (Credit card) with Consumer Asset Management (Texas) (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: I cancelled my Amex XXXX Rewards card on XX/XX/2016 because of the annual fee. Amex confirms they received the request and it should have been complete but did n't complete it. Now they say I still owe the annual fee because it was n't actually closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent experian a dispute letter via certified mail with return receipt along with a copy if my drivers license and social security card. They refused to reinvestigate my credit dispute. This is my second attempt.

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 10-07-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (NV).
Issue: Can't contact lender

Complaint: XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Medical) with CDI Affiliated Services, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CDI is trying to collect debt which is not mine. I am not liable for this debt. I did not sign, oral, or implied to be responsible for a work related accident. I was ordered to have the ambulance my former employer called, when toxic chemicals were released in the workplace. I did not call the ambulance for service. I since recovered and all medical bills have been paid for this work related accident by the insurance, however, this creditor " XXXX XXXX XXXX " did not file a lien against the workers compensation case to get paid. I gave them all the information and yet they did not file a lien and said they have no one in the office that knows workers compensation procedures. I even sent them the forms to file a lien and told them when the case is closed the insurance must pay them before the case can be closed. They did nothing and now they are coming after me for their incompetence. They insist that I must pay and threaten me with legal action, and ruining my credit. I asked them to remove them adverse erroneous information from my credit report but they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: PayPal updated their system unfairly and deceptively, without warning or advanced notice, that resulted in their system attempting to transfer funds from my checking account to pay for a PayPal purchase which was intended to be ran through my PayPal Line of Credit. PayPal, over the course of 3 weeks, has attempted to withdraw funds ( XXXX ) separate occasions. I only authorized one transaction which I expected to be my line of credit since I *RARELY* use PayPal for cash purposes. I can not recall the last time I used it for cash purchases. As a result, I have been charged {$89.00} in returned check fees from my bank due to multiple unauthorized transactions to my XXXX acct. My intent was NOT to use PayPal for transferring cash money, but rather utilize the PayPal Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a credit card as well as a checking line of credit with NFCU. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the fraudulent charges be erased from my NFCU Accounts so I can have an accurate balance. So I explained to a representative at NFCU that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. 

I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. I say this because I have had past fraud claims with NFCU that ended the same way, with them taking the side of the merchant. This is why I filed the ID theft affadavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. I would certainly not risk perjury, imprisonment, fines etc by lying to the police department, the FTC and a MILITARY based credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and Experian, XXXX and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, XXXX and Experian. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, XXXX XXXX, and in my free membership with Experian monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report Experian, XXXX and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX  XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures

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 06-08-2016 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These calls are for a relative that does not live with me, nor have they since 1973.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been paying on my federal student loans since XXXX which was a year after I XXXX from XXXX school. I paid off my private loans a couple of years ago. I was under the assumption that under the XXXX XXXX XXXX XXXX I would make payments for 25 years. Since Navient took over my loans in XXXX they do not count the 10 years that I had been making payments and now say that my loans will be paid off in XXXX. I am XXXX XXXX XXXX and I do not want to be straddled with student loan payments when I retire in 6 years. My current loan amount is approximately {$93000.00} after close to 19 years of payments. I was a single mom with XXXX children while I was going to school and I have been working since XXXX of XXXX and started making payments on my loans in XXXX of XXXX. I have never defaulted on any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There is reason to believe that the website owned by Equifax may have sent out randomly generated responses in relation to if my information was stolen or not. I believe this is unfair to the public. I have a right to know if my information is safe. I do not think it is right for Equifax to use their services and still make people waive their right to a class action lawsuit for using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I recently pulled a copy of my credit report and noticed that there were several unauthorized HARD inquiries that are damaging my credit score along with incorrect personal information. I reached out to the Bureaus via mail first. I sent them a letter stating that there is information being reported on my report that is false/inaccurate and that it needs to be removed immediately. I attached a copy of driver 's license and social security card to further prove my identity. After waiting several weeks, I received a vague response in the mail stating that they were not going to remove it. I then contacted the CB and had to deal with two reps before I had it escalated to a manager. From there, I explained to the supervisor that there were multiple discrepancies on my report on the personal information side as well as the hard inquiries. I had advised her that I have an XXXX Alert that is set in place so I was confused as to how and why this happened. She advised me that she would remove everything that we found to be wrong ( which was everything that I had wrote in the letter ) and that I should receive a letter in the mail with confirmation for everything we removed on that day. I have yet to receive that notice of deletion in the mail and seen where the CB has reinserted names I 've never been known by, as well as addresses, phone numbers and former employers in which I have never worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have receive repeated calls from Merchants Credit ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX // ( XXXX ) XXXX ) most recently a XXXX XXXX stating that I owe money for an unpaid medical bill. After being repeatedly asked to provide personal identification information which I declined to provide because I felt that providing this information presented an identity security risk, I provided my current address several times and I have yet to receive a copy of the unpaid bill and Merchants Credit has falsely reported this information to the credit bureaus negatively damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Please disregard the Apartment Bill in this attachment which is page XXXX. My concern is these inquiries in which I had no part in giving authorization to pull my credit report. Please can you look into why Equifax could n't remove inquiries that I had no clue was going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have never gave my consent to the credit bureaus to expose anything on 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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2017 ,  XXXX  requested a copy of my Credit Report without my permission. I wrote a certified letter to  XXXX  but they did not reply. I disputed the request with EQUIFAX but no changes made to my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Other type of mortgage) with CU MORTGAGE SERVICES INC. (MN).
Issue: Struggling to pay mortgage

Complaint: The company responded to our complaint, # XXXX, however, in their response they attached a corrupt file that can not be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Balance transfer

Complaint: I transferred a credit balance from an American Express business card to an American Express personal card. Unfortunately, since the credit balance exceeded the balance on the personal card, American Express unilaterally decided to issue a check for the difference of {$86.00}. This check was first issued on XX/XX/2016 but never arrived. I contacted American Express and XX/XX/2016 the check was resent, however this check too has not arrived. I contacted American Express on XX/XX/XXXX to check on the status of the check, and they again reissued it without asking my permission. This means that if the XX/XX/XXXX check arrives, it will be voided, and I will not be able to cash it. However, after 18 days, it is unlikely that it will arrive. American Express has also stated that they have sent email messages, however I have not received those either. The likelihood that both American Express ' XXXX mailed checks and emails all were undeliverable is very low. Therefore, I believe that American Express is not doing as it says, whether due to system difficulty or negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.

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