milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Arbor Professional Solutions, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Name is XXXX XXXX. I am filing this compliant with the CFPB, because I have tried every other avenue available to dispute and remove a student loan that I never authorized. I have been added as a co signer for a student loan. I never agreed or authorized anyone to add me as a co signer. It is fraud. I have filed several disputes with the credit bureaus. I have received the hard copies of the loan documents from XXXX XXXX. The loan documents are riddled with incorrect and in accurate information. I will just list a few of the obvious errors. The loan documents state that I am a US citizen which I am not a US citizen. I am a XXXX Citizen and Permanent Resident of the United States Of America. The addresses that are listed on the loans are not correct. I have never lived at the addresses that are presented on the application. I have filed a dispute to the credit bureau 's and they have removed those addresses from my record but they did not remove the student loans that caused those addresses to appear on my credit. The Salary that was entered was not correct along with my debt obligations. This account applications are riddled with errors. The fact that I ca n't get these falsified records removed from my credit has cause me significant damage. I have been unable to obtain new credit when I have needed it. I have been receiving hostile phone calls from credit collection agencies stating that they are going to go into my bank account and steal my hard earned money. I have exhausted all of my options except for hiring an attorney to sue these companies which I could not possible afford to due at this time. I understand this is a relatively new agency and I hope that you will be able to help me with this situation. I feel like I am fighting a giant that does n't care or want to help me with this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number 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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Statebridge Company (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I purchased my townhome and had my mortage with XXXX, XX/XX/XXXX I received a letter from XXXX stating that my mortage was now with Statebridge, also the stated that everything would stay the same in the transfer. My escrow paid my taxes, house insurance and a bond that stays with the house for the Water and Wastewater facilities installation in the amount of {$300.00} a year. XX/XX/XXXX I received a bill from XXXX XXXX stating that my {$300.00} had not been paid for XX/XX/XXXX or for XX/XX/XXXX, I faxed a copy of my bill to Statebridge in XX/XX/XXXX andXX/XX/XXXX asking them to pay this bond. I never received any information from Statebridge, I then emailed them again inXX/XX/XXXX and they keep stating that this is a water bill and they do n't pay water bills. I have been trying to explain to them and I still have not received any information from them. I again called Statebridge on XX/XX/XXXX XXXX, XXXX,XX/XX/XXXX and XXXX, I still have not received an answer from them, I spoke to four of Statebridge representative but they had no answers or information only stating that it has been sent forward and that I should hear something within 5 days, I am still waiting. This account has a fee of XXXX added for late payment and sent to XXXX XXXX XXXX XXXX, PA, I feel that I should at the very least receive a call back or email from Statebridge as to what is happening, in order to avoid a Intent to File Lien I have sent {$300.00} and will pay {$100.00} a month until this amount of {$640.00} is paid, thank you for any help or advice you can provide, I am retired now after 40 years with the federal government so this money is a big part of my monthly spending, thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX posted to my credit report that my home was damaged by the recent hurricane in Florida. This information is a lie. XXXX XXXX should not be permitted to post lies on their customers credit reports. This is not the first time this has occurred. They continue to harass me because I complained about how they discriminate against Veterans by violating the Servicemans Civil Relief Act

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with Mobiloans, LLC (NJ).
Issue: Managing the loan or lease

Complaint: I ca n't pay, too high interest. 
I was paying twice a month. 
For this loans I 'm in a debt settlement program.

Company response to consumer: Untimely response
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: Bank of America does not allow cash deposit to be posted to the account one deposited after XXXX through the ATM, but they are allowed to post checks and other payments after XXXX resulting in overdraft fees. For instance on XX/XX/2017 my account went into overdraft by XXXX bucks, I deposited XXXX bucks into my account at XXXX to bring my account balance to XXXX bucks. Low and below I got an alert saying saying the my account fell again to XXXX bucks after XXXX due to a monthly payment that I forgot but was unable to do anything about it since as I said earlier that cash deposits after XXXX are counted for the next day. I was subsequently charged XXXX overdraft fees totaling XXXX bucks because of there posting practices.

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 12/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Payday loan () with Solidus Group LLC. (WI).
Issue: Can't contact lender

Complaint: I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 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: Account information incorrect

Complaint: I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

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