milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX {$210.00} Balance is {$0.00} now XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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 is missing that should be on the report

Complaint: XXXX   XXXX ,  XXXX  CFPB : Experian Report  XXXX , dated  XXXX   XXXX ,  XXXX , fails to list my full-time employment,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , since  XXXX , with the State of Illinois, my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my   XXXX   employments added. I want true copies of the  Source Docum ents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlemen t ( NMS ) an d the Independent Foreclosure  Review ( IFR )  because  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging m e LIBOR, forced  me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged bank acct wrong day or amt

Complaint: The lender debited my account outside of the dates indicated on the repayment schedule they provided me. When I attempted to contact them to remedy, I was fed scripted lines & told that I was being charged correctly. I was told I could pay off the original loan and be finished ( after they have collected over {$500.00} in fees debited on incorrect debit dates ). I felt I had no choice but to pay off the original loan or risk more rouge debits. 

While I did not incur any overdraft fees, it has created a financial hardship as I am a single mother trying to move into a new home. 

I have the original contract and am happy to provide it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have attempted to call transition credit bureau @ XXXX. I was talking to him regarding some information listed on my credit report, such as my DOB is XX/XX/XXXX not XX/XX/XXXX as well as the address listed as XXXX XXXX XXXX , XXXX Ga XXXX is not my address, I have never lived in Georgia. However, my ex husband XXXX XXXX XXXX does live in XXXX Ga. I fear that he may be attempting to use my credit to further his and I need assistance to make sure that is not occurring. However, each person I talked to spoke with XXXX english and I could not understand them. So in the end that was of " NO '' help at all, simply a waste of my time. It seems the call center for Transunion is XXXX. I was transferred XXXX times to " another supervisor '' who spoke with XXXX english

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (MN).
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 have been leasing  a 2016  Toyota  XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease . Currently Toyota is repo rting those month s as 30-59 days late. I have asked them to remove these credit markers and they have told me tha t they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Problems caused by my funds being low

Complaint: US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO   XXXX    XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi. I am contacting you regarding a few medical bills that are on my credit report. 

1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 

2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. 

For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 

3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. 

I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. 

I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. 

I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. 

The collection agency is : Choice Recovery XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with Mayan, LLC (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card until it was received and could not use it for the $ XXXXnight reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with ACS Education Services (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had consolidated my student loans and ACS had my loans reporting in an incorrect status causing loans to be left out of the consolidation. Once resolved I had to re-add loans back into my consolidation. During that time ( due to ACS 's error ) my loans were reported delinquent to my credit report. This was never the case. I disputed the late reporting 's and it was denied to be removed. Again this was an error on ACS 's side. They were holding up the processing during this time and should have to correct the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: To Whom It May Concern : I have requested that you remove the fraud alert from my account. Please remove all freezes as well. Contact me if you have any trouble doing so. XXXX. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX XXXX Not Proven Compliant 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 12/17/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Debt amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a long standing customer with Capital One. I contacted them and ONLY upon agreement to have them delete the charge-off from my report, that I paid the balance offered by them. In addition, I was also given additional credit in an amount higher than my balance after I paid the Charge-off that was already written off and tax credit granted. I would not have agreed to pay off any balance, knowing that they already received their tax credit, nor accepted another line of credit, if the agreement to remove the negative reporting off my report was not put in place first.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: D espite the evidence I have provided indicating that the Collection Agency    XXXX   XXXX   XXXX   violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX  /2016  and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /   2016 after  I was notified about it on  XXXX / XXXX /   2016  -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency assig ned to it.

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