milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong 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 explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has repeatedly ignored my requests for them to provide me with the documents that their company has on file that was used to verify the payment history of XXXX accounts that I disputed. This matter has been ongoing for more than 60 days! twice the permitted timeframe and they can not satisfactorily verify the late payments on the accounts in question, as per Section 611 ( 5 ) ( A ) of the FCRA - they must " ... promptly delete all information which can not be verified '' that I have disputed and demanded be validated. Please resolve this matter ASAP. Thank you

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back 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 04-02-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 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: I 'm   XXXX   XXXX   XXXX   for my  XXXX  degree and I have some loans that are subsidized from my  XXXX , so the interest should be paid while I 'm in school by the  US D epartment of Education. I pay the interest on unsubsidized portion of my loans so it wo n't be capitalized and added to my balance. The problem is, that when I make my payments there is no way for me to direct my payments just to my unsubsidized loans so my payments are directed to both my subsidized and unsubsidized loans and losing that benefit of interest being covered while I 'm in school. When I have called on several different occasions in  XXXX  and  XXXX    XXXX   to get a history of my payments and balances, I keep getting a the same answer, " We do n't have that '' just a history of payments that I have made. In a separate incident, I had a loan disperse on my graduate loan and paid a refund amount. When I asked for the a statement showing that refund payment, they again said " We do n't have that ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.

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 09/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with SB Holdings, Inc. (NC).
Issue: Charged fees or interest you didn't expect

Complaint: Five years agoon XXXX XXXX, 2012, my wife ( a XXXX XXXX ) and I signed off on an installment plan loan with a XXXX XXXX  specialized lender, XXXX XXXX. The loan amount of {$7800.00} was to be paid back in 120 monthly installments over a period of 10 years. The interest rate of 12.5 % was set by the lender and presented to us as a fair deal. The monthly payments of {$11000.00} appeared to be an amount that my wife and I could afford at that time. The loan was presented to us by the renowned local XXXX dealer, XXXX XXXX XXXX, XXXX, in XXXX, NC. We did not receive proper counseling about the details of the actual interest payments versus premium payoff that we would face over the next decade. In all fairness, the total amount of expected interest payments was listed in the contract that we signed. My wife and I were sure that we would afford larger monthly payments than the required {$110.00}, and would therefore be bale to pay off the loan much earlier that the anticipated 10 year loan period. Unfortunately, we did not pay attention to the fact that the industry a-typically long duration of the loan would entail paying mostly interests in the first 5 years of the loan. Only today, and after many phone calls with the lender did we learn that a 10 year loan was highly unfavorable for our specific purposes, needs, and financial situation. Almost 5 years into the loan, we have already paid over {$6700.00} and still owe a {$5200.00} payoff sum. Had we been counseled more thoroughly, we would have certainly opted for a 60 month loan instead, and would by now almost have paid off the total premium and interests. The original loan details were made in bad faith and took advantage of our eagerness to buy a good quality XXXX for my wife 's career outlook as a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been unemployed for three months now and lost my unemployment benefits. It could take three weeks or lose them totally. I was asking for a short deferment on my loans so I can get a job and start repaying my loans. I was 30 days behind on a loan and called them for help in this matter. On XXXX XXXX, I spoke with Navient about getting help to resolve this issue. I was told that they would help me if my co-signer was not able to help. Navient spoke with my co-signer and since she is on a fixed income, she could not help. A week later I received a call from Navient saying that I need to make the full payment and they were not going to work with me. So today, I called Navient again on XXXX XXXX, 2016 and asking what kind of program they have for an out of work veteran. I was asking for a short XXXX3 month deferment so I can find work and start repaying my loans. I was told that there was nothing they can do because I exhausted all my forbearances in the beginning of my loan. I was force to take a low paying job right out of XXXX school because they stated that my externship is part of the school and If I did not get any job that was in the XXXX field, I would not graduate and would never get a XXXX degree from that school. We were all promised high paying XXXX jobs when we left school. I did not and have been fighting hard to pay for my loans. I, myself, and co-signer are tired of all the harassing phone calls from Navient. They will hang up the phone if you tell them that you are recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed TransUnion,  XXXX , nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given TransUnion,  XXXX  and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

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 05-02-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CO).
Issue: Managing, opening, or closing account

Complaint: I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Advertising and marketing

Complaint: On XXXX XXXX 2016, I applied for a Bank Of America XXXX Credit Card ( " BOA '' ). BOA targeted me with personalized mailings and online advertisers promising {$100.00} statement credit, XXXX miles, and a companion airfare. However, BOA approved the account at their Platinum Plus level, based on their assigned credit limit. This card came with XXXX points and no additional benefits. Buried approximately XXXX paragraphs into the Terms and Conditions, BOA explains the difference between the XXXX XXXX and XXXX. This is anything but clear. BOA does not indicate in XXXX location the overall benefits of the XXXX product, unlike the XXXX XXXX edition. BOA is purposefully deceiving customers and their actions are within the jurisdiction of CFBP and FTC for enforcement under authorizing legislation. 

BOA has gone above and beyond to sell me a product, however, they gave me something entirely different without any notice. It 's also of notice that my credit score, income, existing trade lines, and other BOA products are consistent with BOA approval criteria for their Signature products. This is an obvious " bait and switch ''.

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 01/24/2018 about Debt collection (Medical debt) with NRA Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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