milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was divorced in XX/XX/2014 and my ex-husbands credit is still mixed with mine. I have a XXXX, XXXX, XXXX thru XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX cards. Anything opened before XX/XX/2014 is not mine. 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 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My payments are not being recorded even though I sent them direct proof that the payments were made, directly from the creditor 's accounting dept. The credit bureau claims, in a letter they sent me, they do not change or add to my credit report file no matter what. 
I was told different by your organization.I did all you told me to do and it made no effect at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with Credit & Collection Recovery Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX placed an account for the amount of {$880.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MA).
Issue: Problems when you are unable to pay

Complaint: After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card through Navy Federal Credit Union. In the past I got behind on my credit card payments. I contacted Navy Federal to make payment arrangements and since that time I continue to make payments on time. Recently Navy Federal turned my account over to a law office/ collection agency for none payment. As I stated and previous conversations I have been paying this account on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Two years ago I went to a XXXX XXXX XXXX in  XXXX XXXX, CA. The associate asked if I would like to open a XXXX Debit Card. I said no, however they explained, this is NOT a credit card and is in no way tied to your credit. I agreed to open the card, which was simply linked to my checking account like a debit card. I filled out the information and gave it to the cashier/associate. The associate entered the information, then rang out the transaction. The transaction went through and I left the store with approximately {$50.00} in merchandise. I am now receiving notice from XXXX XXXX that I am in collections. I have called them and they said that the transaction did n't go through and now they have put a collection on my credit. This error occurred due to some system error with XXXX and I never received notice that I owed them anything. They will not remove the collection even if I pay them. My credit score has gone from the high 700 's to below 700. This all over {$50.00} on an account that I was told is not a credit account and was not tied to my credit whatsoever. Also the phone number they read back to me was wrong by one digit, they said they had called to try and collect the debt over the phone. I would have been able to pay this had the associate not entered my phone number in incorrectly as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Deposits and withdrawals

Complaint: A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 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: Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately.
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX 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.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was 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 monetary relief
Consumer complaint received 12/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a XXXX through the US Dept. of Education ( Service Provider - Fedloan. ) My first loan disbursement was on XXXX ( divided into two for XXXX semester. ) Fedloan reported to XXXX, XXXX and XXXX that I was late for 90days, from XXXX. I have disputed the late payments once before to no avail simply because I had no documentation. Luckily, the Dept. of Education directed me to " XXXX '' recently, I was able to find the status for repayment for any time period. Upon reviewing, I found documentation that clearly states I was in Forbearance at the time of the alleged late payments. Once I knew what I was looking for, I also came across notifications in my personal email from FEDLOAN, that correspond with the dates the US Dept. of Ed. provided me for repayment. I have recently entered into an income driven repayment plan with FEDLOAN and my payments start XXXX. I am grateful for the arranged monthly payment and I 'm hoping we can continue without any problems, once this is rectified. Unfortunately for me, those 3 late payments could severely affect my future. My fiance and I are buying a home at the end of XXXX and the only thing preventing us from doing so are the late payments reported by FEDLOAN. I NEED them to be removed. I was not late. I have documentation. I am really hoping I speak with someone who does n't just give me the run around. I will report and/or dispute with more entities if I 'm forced to ( i.e. XXXX, Ombudsman Group, etc ) but I know that does n't have to happen depending on who I speak with. All I need is someone who cares somewhat about customers and is willing to listen. Now that I am set up on an IDR plan ( plus I 'm more than willing to set up auto pay as a goodwill gesture ) I 'm hoping I 'll be able to remove the incorrect late payments and get on with life. I know it can be done because I have two friends who have been successful with FEDLOAN. Do n't believe the lie that they MUST keep it on there. If you make a living by working in customer service ( like I do ) then you know something can ALWAYS be done. Please email me at XXXXXXXXXXXX or call me directly at XXXX, if you have any questions or comments whatsoever. Thanks for taking the time to read this. I 'm praying that everything gets resolved and works out in both our interests. I hope you and yours have a great holiday : )

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I signed a contract with a third party organization. I was told the company works with the US department of education in the Obama federal forgiveness program to consolidate my loans. I pay the company XXXX a month and the only two options to leave the contract is pay them the full XXXX or the continuous XXXX a month. I do n't know where the money is going. I do not believe it is going towards my federal student loans. I have {$44000.00} in subsidized and unsubsidized student loans. I am single, living on my own, working in a XXXX job and i am XXXX hours away from home without a car. Im a recent 2016 XX/XX/XXXX college graduate and im making it on my own. The company has my bank information and home address. If i leave the contract they will garnish my wages and seize my taxes if i do not communicate with them or pay them. Im fair and honest. They can have the previous payments but i do not want to give them any more money because i cant afford it and i am already going back to school this semester for more schooling. When i called my loan servicer i was told that my loans are at default {$0.00} and it has not been any payments made yet. I didnt set up a payment plan with my loan service neither.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Credit determination

Complaint: I would like to dispute the reporting on my credit report for account number XXXX with Capital One in XXXX XXXX XXXX, Utah. I received a statement showing a balance due for an annual fee. I had a zero balance on the prior period statement with all transactions paid in full. I contacted my creditor and informed them that I would rather close the account and requested that they waive the fee on the billing. The person that I was in contact with via the telephone said that the fee would be waived and the account would be closed in granting my requests. I later received statements in the following three months for the fee as well as additional, incurred interest on the outstanding balance. I continued to contact the creditor with the same request every month that I received a statement. They reluctantly granted my request after numerous contacts and issued an email to my address. I no longer have this email because it was sent over 24 months in the past and I also have not received any more statements since the creditor agreed to meet my request. 

I would also like to remove the reporting in regards to account number XXXX. I received a bill in the mail from the collection agency XXXX XXXX located in XXXX, IN. I am not really sure of the address that I gave the provider of the medical visitation. I was living with a significant other at the time of the treatment while transitioning residences. My driver 's license was not up to date at this time as well. I did receive a bill from the collection agency within a few years later. The bill was paid as indicated in the reporting, but because of the derogatory status, I would like for this account that was satisfied in full to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: APR or interest rate

Complaint: I applied for a Bank of America XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like 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 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX WAS PAID AND SETTLED ACCOUNT IN XXXX, XXXX ACCOUNT XXXX, SOLD DEBT TO AARGON IN XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.

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