milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (I do not know) with Credit Adjustments Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I constantly receive calls from ( XXXX  ) XXXX and they usually leave messages simply stating that " this call is from a debt collector ''. They never mention the name of the company they are working, or my name, or what the supposed debt is for or what the dollar amount is. I never call them back because I do not owe any debt and this sounds like a scam. I figured that they would eventually quit calling me since I never answer their call but it's been 4 months now and the calls have only become MORE frequent ( weekly ). Sometimes I receive calls from other numbers that sound very similar but I certainly can't prove that the calls are connected. So far, I have received calls from this number XXXX on the following dates and times : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX   XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Is there anyway I can stop this?

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 06/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint is with Equifax credit reporting agency. I have repeatedly filed several disputes with them in regards to incorrect information reported by a mortgage company, XXXX XXXX, that comes back with the same or very minor information changed. I have asked them to verify and prove all information which would prove inaccuracys yet they continue to end dispute with no proper results made. I have done this particular dispute at the very least 10 times! This is why I am filing this complaint. I also will be filing a complaint againt XXXX XXXX. 
Thank you, I hope that you can help me. 
The issue is that I had XXXX mortgage with XXXX XXXX which was part of a chapter XXXX bankrupcy. XXXX XXXX has XXXX separate mortgage account numbers listed on my credit report. XXXX states a {$0.00} balance and that it was included and discharged in my bankrupcy which is accurate. Then they have a separate account that has a different account number but it is the same mortgage. They list the date the account was open by a few days different than the other. They have done this with all the dated information to have it appear as though it is a separate mortgage account. It is not! I only had XXXX mortgage at that time with XXXX XXXX. One of the excuses they give is that they say the mortgage listed in question was sold prior to the discharge in XX/XX/XXXX therefor they say they are allowed to report it. This is not true. Even if I did have another account anything prior to my chapter XXXX discharge in XXXX, would be part of my public record. XXXX XXXX continues to report on this account as recently as XXXX XXXX stating I am 120 days past due. I have explained this to XXXX several times and have pointed out the obvious discrepancies with this account from the date open, date closed, first delinquency, etc ... yet Equifax still allows XXXX to report this bogus information. The particular account in question even has a payment grid along with it that does n't even match up to the dates they have listed on this account. It is obvious harassment and I am so frustrated and upset that what appears to be an obvious and easy fix is continuing to still haunt me. XXXX XXXX is in complete violation with my FCRA by reporting on an account that was discharged in XX/XX/XXXX. 
I hope you can help me with Equifax to resolve this matter. I pay $ XXXX/mo for the services I have with Equifax yet they have done nothing to resolve this blatant error. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have noticed this Factoring Company named XXXX XXXX XXXX  is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with XXXX XXXX for this amount of monies I have had a XXXX XXXX card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient applies payments made to contested fees first so that each month they send notices that I am past due. I am submitting the minimal payment and have contested the fees they have assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2015 about Debt collection (Payday loan) with Sullivan Asset Management, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Dear Sir/Madam : When the XXXX data breach occurred I immediately tried to place a block on all companies that gather credit information including Experian. Normally that should have been a simple process, however when I attempted to place a block via their website the company directed me to set up an account and charged my credit card for nearly {$30.00}. When I realized what had happened I cancelled the unsought " membership '' and as a result I received the following message on XX/XX/2017 : " Unfortunately, your Experian credit file has been automatically unlocked. 
Our CreditLock feature is currently available to upgraded members only. Because you chose to cancel your upgraded membership, you are no longer eligible for this benefit. 

If youd like to take advantage of the CreditLock feature once again, you can simply upgrade to have all the benefits you had before. 
Upgrade now '' The message above seems to me like an attempt to extort a monthly fee for a service which I did not request. All I want to do is to lock our credit accounts, but I am not certain how to accomplish this without incurring additional charges. 

Is it possible to pass legislation/regulation to control this type of consumer abuse? 

Kind regards - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: US Bank has charged me overdraft fees when I was assured that they could not occur. I deposited money into my account before it was negative and it showed as deposit accepted before the charges came out of my account. However, I was charged an overdraft fee ( for the third time ) after I had called and told them to stop allowing it to charge me overdrafts and they assured me it would not. They have also charged me overdraft fees in the past when I had money in my savings account. It was suppose to connect to the account and transfer over so it did n't cause an overdraft. They instead charged me a ton of overdraft fees and then when I called waived them but used it toward my curtosey fees and now even though they should have never charged my account for overdrafts they once again charged it. I called the next day to find out why and they said the money was not in there in time. That is not true but despite if it was or was n't they stated twice and now three times that the overdraft protection was on and they would not charge me but wo n't refund me my overdraft fee. They are literally scammers when it comes to that. I have called there and they will assure me of certain things and then a month later I 'm hit with a fee or something does n't go through or they take my money and I have to wait 30 days for it. I know that my deposit was approved before the withdraw occurred and I was told it would not process if it had n't been because I had overdraft protection. They use to have a line of credit but they did away with it. HELP me get my overdraft fee corrected and have them do better business. I have been a loyal customer for over 11 years.

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 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX has illegally received over XXXX inquiries of my personal credit file. Someone with the company told me they have a trigger on my credit file, every time I apply for credit they call me. Experian took the inquires of my file more than 5 times and they have been peeping again. XXXX, XXXX, and XXXX. Last time removed was XXXX this year, I was told they were blocking them for good. Was on vacation this summer, this problem delay a instant request for my line of credit. Also the last person called me was rude and scary. DO NOT OWE THEM

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to 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 monetary relief
Consumer complaint received 01/19/2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX XXXX I submitted an Investigation Request to TransUnion and attached XXXX documents. The first document was an Oklahoma Tax Lien Release and the second document was an email from the State of Oklahoma Tax Commission stating I need to requests them to update my record. Before I submitted my request to have the entry removed the date of removal was in XXXX, now they have moved it to XXXX. They need to remove the entire record from my Credit Report as the State of Oklahoma has agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Settlement process and costs

Complaint: XXXX was approved for a XXXX trial, with payments from XXXX. He completed the trial. I was told that documents were in process of being drawn up before I left for vacation in XXXX. Upon my return in early XXXX I contacted Seterus and was told the final modification documents were sent out to the borrower XXXX/XXXX/15. Borrower never received those documents. I then made a call to Seterus XXXX XXXX and was told the documents were going to be faxed to me since the mailed copy never got to the borrower. They told me it would take up to 48 hours. I made calls to them the XXXX, XXXX, XXXX and XXXX following up on the status of the faxed documents. Each time I was told they were escalating the request and to check my fax within 48 hours. On the XXXX they told me they would put a rush on the request. I called to follow up again today after not finding my fax and was told that the reason I have n't received he fax is because they have n't sent it due to a " litigation '' preventing them from sending the documents directly to me or the borrower. I was told it had to be delivered from their attorneys directly to the borrowers attorney, or directly to the borrower. After a whole month waiting to receive he documents via fax they tell me that!

Company response to consumer: Closed with explanation