milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with One Technologies, LP (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I Disputed on XXXX XXXX, 2016 and the Equifax is in violation of federal laws for not responding on time. Equifax was supposed to delete all the items because of failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Late fee

Complaint: This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a Kohls credit card and they declined me based on the decision that it could of been fraud. I called them after I applied to get a decision they should of known it was not fraud. I recently called them back to at least have the inquiry removed since they did not attempt to give me credit and was told there was nothing they will do. How can a company pull your credit which puts a inquiry on it and they did not even check if i qualify for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Called TransUnion to ask if inquires could be removed because I had not ask these companies to run my credit, nor had I tried to purchase vehicles or get accounts with these out of state companies. The guy I spoke to said " You dont need to do anything because it will be coming off your credit soon. Just wait '' but I want it off now! I dont know these people nor did I give them permission to run my credit and report falsely to the bureaus considering I have never signed any agreement or contract with these people. the only identifing info he would give is File # 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 07-11-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Chase currently claims to be a servicer of a loan in my name on behalf of XXXX XXXX. I have already received a letter from XXXX XXXX that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Duncan Solutions, lnc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Began receiving letters demanding payment of {$29.00} around the end of XX/XX/2017for a " Toll Violation '' which is stated to have happen on XX/XX/2017 at XXXX XXXX on XXXX XXXX of XXXX Georgia from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I informed them that I 1 ) had not been in in the XXXX area on said date nor had I been there in at least 7 to 8 Years and 2 ) that said vehicle had Never been there 3 ) vehicle in is kept in garage ( in TN ) and not driven except to licensee it yearly. And 4 ) since the debt was not legitimate, I would not be paying it. The company totally ignored my correspondence and have continued to send " Demand For Payment '' letters about monthly. I have not contacted them further on this matter since they have not addressed any of the information I supplied to them. I have had an increase of unknown phone calls but since I do not answer calls I do not recognized I can not be certain they are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Making/receiving payments, sending money

Complaint: Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. 

On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. 

On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. 

I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. 

There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: GC Services ( XXXX ) is a student loan collection company. I 've written them many times asking them to NOT call my work. They always will continue to do so. They 've verbally told me that they 'll continue to call my work, even if it risk me losing my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: I got the loan in XX/XX/XXXX, I really needed the money since I had just bought a home and was short on funds. Someone called me from the company after I did it online and went through their agreement over the phone and at a very fast pace. Being that I needed the money I agreed and did everything electronically, I have been paying them XXXX every two weeks as of XX/XX/XXXXand it is still going on. I finally called them in XXXX and told them that I had already paid them {$8700.00} on a {$2600.00} loan and that I could no longer keep paying them because I can't afford to. XXXX at XXXX  told me the balance was still@XXXX and there was nothing they could do. Is this considered predatory lending? I have paid them 3X plus the amount I borrowed. Can you please assist and let me know if there's something I can do about this, I can't keep paying them as I can't afford to my situation has changed and I'm struggling to keep up with my expenses. Please contact me with any suggestions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express enticed me to open an account and charge over {$1000.00} that I would otherwise have put on a card that earns points by promising me XXXX sky miles they did not deliver. I had accepted my daughters invitation to open an account. Her account was credited XXXX sky miles when I opened a new account and the offer ( which I have in writing ) was that I would be credited XXXX miles if I charged $ XXXX within three months. I charged a little more than that amount, but when I called to inquire whether I could use my miles I was told the offer was not valid because I had a previous account ( one I had closed 6 years ago ). Nowhere on the papers I was sent does it say that or I WOULD NOT HAVE CHARGED THE $ XXXX. I asked to speak with a supervisor and was told that nothing could be done. I want the XXXX miles they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Ridge & Valley Realty, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in question was for medical services received by my ex-wife. Bills mailed to my address were sent in her name, so I did n't open, were forwarded to her new address, and were never paid by her. Now, the debt has been reported to a collection agency under my name, which the collection says is legal because the debt is for medical services my ex-wife received while were were married/separated. I was never billed by the office where services were received, and only learned of the debt after it went to collections. When I called the medical office to request information on the debt, HIPPA laws prevented them from being able to share any information, including the date of services received ( which makes it hard to dispute whether or not services were even received before the divorce was final ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mu name is XXXX and last month I submited a mortgage payment to Loan Care Service Center, XXXX XXXX XXXX XXXX PA XXXX. They received as a ach payment that was taken from my bank. Unfortunately they returned my payment to my bank because it went to this adress witch was the old location. At first I call and spoke with XXXX, XXXX, XXXX and XXXX ( who hung up on me ). They all stated that I would receive a check in the mail. Never received. After trying to speak with inumerous people and staying hours and hours, finaly someone else told me that they returned the check to my financial institution. NO one could give any answer. However my bank did not received. They can not tell me any information on the check. called inumeours people. Spoke with XXXX XXXX and he stated that he would call me back with the information. He never answer his calls and did not returned my calls.his phone is XXXX bank calls and nothing. Spoke with XXXX, was busy and got my number. never called me back and never answer any calls. I can not talk with anyone there. I need them to give any information on the check that they sent. I just need anyone to give the infoarmation on the check that they lost so my bank can trace it. My mortage payment is late and is affecting my credit because of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with ALTERNATIVE DISPUTE RESOLUTIONS (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX Repeatedly call me when I told him not to. Called on XXXX XXXX 2017 at XXXX XXXX and left voicemail at XXXX XXXX. On the call at XXXX I Told him the I had no information and person they were looking for was not at my number. Told him not to call my number any more. Threaten legal issues with my daughter even though I didnt give information. Said she owed money and he was a process server in XXXX XXXX county with warrant. On second call at XXXX I repeated not to call my number and hung up again. Left voicemail on call at XXXX with threat of going to my daughters work. Told me my daughter had an outstanding debt. Even called company with number left on voicemail XXXX to complain to no avail. Talked to XXXX XXXX then on XXXX XXXX 2017 at XXXX received another call from XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 08-03-2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.

Company response to consumer: Closed
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.

Company response to consumer: Closed with explanation