milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (TX).
Issue: Managing the loan or lease

Complaint: In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again, two weeks went by with no calls and no response to my calls, so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either, though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation, but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have, I have no other late payments. I am trying to refinance my house right now and this is affecting me negatively. Please do what you can to help me have these XXXX late payments from XXXX removed from my credit reports. Thank you for helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.

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 01-04-2017 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: First off, I want to say that every experience I have had with Blackhawk Network products has been a disaster and wo n't ever purchase another of their gift cards/prepaid cards etc. 

I purchased multiple Reloadit packs and placed the into the Reloadit safe as required by their company. From the safe the money can be transferred onto a debit card. 

They disabled my safe with money inside and then re-enabled it, wiping my entire transaction history and my funds inside. {$420.00} and all records of past transactions were gone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: My account does not correctly show my actual balance and i cant use my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Consumer Loan (Installment loan) with Quick Click Loans, LLC (CA).
Issue: Taking out the loan or lease

Complaint: Quick Click has my information for a loan. I did not request the loan and did not know about the loan until I saw it on my credit report and challenged it on my credit report. In response I got a notice from a 3rd party that a lawsuit has been filed. I checked court records and it has been filed although I have not yet been served by XXXX. I did not take the loan out nor have they responded to my request for validation after I found it on my credit report. I am formally filing a complaint to log all of the debt collection violations they have done. They have not validated my debt and filed a lawsuit against me without validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I 'm XXXX 2014 I purchased a XXXX XXXX my finance amount was XXXX which is ridiculous even with negative equity. Santander Consumer USA is a joke. I was never told this simple interest. I have paid on my loan since then and my amount has barely been touch what I owe. It 's impossible to get anywhere near what I owe. I contacted them numerous times because we had a financial hardship. I have been harassed at work and cell phone with calls. I contacted them and went higher up. I did a program and lowered my payment for 6 months. It was supposed to be automatically withdrawn. It was n't. I was told no fees or payments would be accessed. I have some chat transcripts and more dates. I think they should have to eat the car and the money. I would gladly give back to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with ASSET MANAGEMENT OUTSOURCING, INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Recently Navient was sued for several issues. I have been with them for years and this past year they had raised my payments SO high compared to any year before that I had to put it on a hold until next year. I would like to be part of this complaint. My name is listed as my maiden name of XXXX XXXX ( currently XXXX XXXX ) account number with Navient is : XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have advised Chase on a few occasions that I do not wish to receive any contact from XXXX, every time I speak to them I have a headache. For health reasons, I ca n't have any contact with XXXX. I do not have a good view of this company and I wish there was a thorough investigation of this company. There are numerous complaints against them online with the same complaints about them giving out inconsistent information. I have filed a complaint against them in Illinois due to them collectiong on student loans from XXXX XXXX XXXX ( XXXX does not have own these loans ), they have to proof that they actually own the rights to collect on this debt which they did not provide to them at anytime. My due date was changed from XXXX to the XXXX without me knowing that. The XXXX does not work for me and all of the other loans are due on the XXXX. Why is my due date being changed, I went through this issue before and Chase did correct that issue. I need my date changed to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am absolutely certain that my rights have been violated by Navient on more than one occasion. From the harassing phone calls, to the erroneous late payment notices, practically being forced to go on forbearance in order to try and prevent reporting to the credit bureaus. I would greatly appreciate some help looking into my accounts and history of my relationship with Navient. I am more than confident you will find several occurrences in which they have violated the law. 
I look forward to hearing back from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was living in XXXX, Nevada in 2016 and signed an apartment lease for XXXX month. After about XXXX month, I wanted to terminate the lease due to the scorpion infestation of the dwelling. Prior to me initiating lease termination, the apartment company send a pest control service to treat for scorpions but it did not help. Terms of the contract allow early lease termination due to the un-resolvable issues with the dwelling that cause significant hardship and threats to health. The apartment company still told me that I had to pay early termination fee and now they turned over the collection on the fee to the collection company that tries to collect much larger amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, 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 explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with Brown Law, PLLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For several years I 've been sending a payment to the XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Texas XXXX XXXX, ( XXXX ) XXXX. I 've always paid in a timely manner. Today my check was sent back as " not deliverable as addressed- unable to forward ''. I called the XXXX firm but the phone number is out of order. I looked up several sites online and I tried calling several other numbers but could not locate the XXXXXXXX firm. I came across the Brown Law firm and saw that their address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tx, the same as the XXXX XXXX firm! Their phone number is XXXX XXXX XXXX XXXX. I called but since it 's after-hours, no one picked up. If my former XXXX credit card bill is no longer with the XXXX XXXX firm, or, if it has been taken over by the Brown Law firm, no one has advised me. I want to see something in writing telling me the status of my account. I certainly do not want to get into any legal jeopardy over this bill because I have been honorable in paying it and I want to continue to pay it until the account is settled. Can you possibly get something in writing from the XXXX XXXX firm and/ or the Brown Law firm telling me what 's going on? Since my check came back today, XXXX/XXXX/XXXX, I 've become very worried about this and I could really use some help. I mailed my check as I do every month during the first week of each month. I am timely about this. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 02/29/2016 about Debt collection (Medical) with Asset Maximization Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was already paid by my insurance companies

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.

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 01/19/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged bank acct wrong day or amt

Complaint: LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and TransUnion. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Sale of account

Complaint: I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unable to get an apartment because I have a similar name as another person. When I tried to get another apartment, I was denied and the apartment complex were unable to give me any information pertaining to the eviction. My hands are tied and I am trying to move next year. XXXX XXXX is a married name for me and my birth date does n't match the records.

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 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: Hello, I have a complaint about XXXX XXXX. 
The story : I was approved for XXXX XXXX XXXX credit card on XXXX/XXXX/2016. There was a sign up bonus offer for this card. I should spend {$3000.00} in 3 month in order to receive XXXX MR bonus. 
The requirements were fulfilled and the bonus was received on XXXX/XXXX/2016. 
The card does not suite my expectations and I closed it on XXXX/XXXX/2016. I have XXXX XXXX XXXX card and it is connected to the same Membership Reward program number. 
On XXXX/XXXX/2016 without any prior notice XXXX MR points were removed from my account. 
On XXXX/XXXX/2016 Online chat XXXX XXXX representative indicated that my Membership Rewards account is currently being reviewed to make sure the total of all eligible purchases meets the spend requirement during the promotional period. 
Later I called Customer support and two XXXX XXXX representatives and one XXXX XXXX supervisor insisted the Terms and Conditions were violated. They said that I should keep the card for at least a year in order to keep the points. I asked to show me this term in XXXX XXXX Terms and Conditions. Every Representative spent from 20 minutes to hour in order to find the term and failed. Next XXXX XXXX supervisor said that the spend requirement was not fulfilled which was incorrect. 
Another XXXX XXXX supervisor said that there was an ongoing review process. I was not informed about it. Supervisor indicated that, due to the review process was finished after the XXXX XXXX XXXX credit card was closed ; they were not able to put the points back. That does not have sense. I fulfilled all the requirements, received the points, was not notified about review process, and did not abuse any part of Terms and Conditions.

Company response to consumer: Closed with explanation