milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.

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 07/19/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with Perfection Collection (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with Equifax and must pay this fee, this breach could generate a potential revenue " wind fall '' for Equifax. Additionally, XXXX and XXXX could similarly profit. Equifax, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Federal student loan debt) with F.H. Cann & Associates, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month. 
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program. 
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ). 
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by 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 non-monetary relief
Consumer complaint received 09/21/2015 about Debt collection (Federal student loan) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have open case numbers # XXXX and # XXXX. XXXX XXXX Team Lead responded and says she had no record of a complaint and I have complained multiple times. XXXX XXXX also said she would stop all further calls and letters and collection attempts and we no received XXXX more letters since her response and calls. I am submitting the letters and envelopes with dates showing they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I applied for a XXXX business credit card for my business a few months ago. The promotional material stated that if I achieved the spend requirement that I would be given a reward of {$500.00} balance statement credit. This balance statement credit was never rewarded to me. On contacting American Express I was told that since I had opened another simply cash business credit card for a different business in the last 12 months I did not qualify for a reward credit. Nowhere in the promotional material did it state this and when I asked American express to confirm this, they also stated that this was not stated anywhere on the promotional material. They come up with an excuse that this disclosure is made on the online application. I do not remember seeing any such disclosure on the online application. When asked to present proof of online disclosure they provided none. I have the promotional material with me and the promotional material is basically also a paper application. So does this mean that people who mail in their application do not receive such a disclosure? Because American express clearly stated that the disclosure is not on the paper application/promotional material, which I still retain a copy of!!! There it is in black and white, the application does not contain any such disclosure, I challenge American express to find it and show me where it is!! If any attorney is reading this please contact me, I think we have an airtight case against American Express using misleading or false advertising. I also lost {$200.00} in credit card fees trying to achieve the spend requirement so that I would qualify for the {$500.00} bonus!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). 

The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am seeking to participate in a class action lawsuit against the major student loan companies ; XXXX XXXX and Great Lakes. I have been repaying student loans off and on for 23 years, and my loans continue to inflate. I have always worked in XXXX XXXX but have been so misinformed by these companies that I have only been in the right program for 1 year now. I am on an IBR plan now. At times I was told I would qualify for PSLF as the XXXX XXXX program ( I am a school XXXX ). Now I am told I do not qualify but could under the PSLF program but only for the last year that I have been in the correct repayment plan. For years I contacted these companies and others trying to get help and they gave me incorrect information. My public service work goes all the way back to XXXX. I would like to see some of that work time count for the service instead of only after XXXX. I have been mislead at every turn and I can't get ahead of this loan. I now have about 5 years that would qualify under PLS but I was not in the correct plan. I was paying more a month then than I am now under the correct IBR plan. What sense does that make?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error.
XXXX XXXX XXXX, Opened XXXX XXXX, 2016

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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: The issue is cause by Loan Care Mortgage Company. They have may XXXX errors with my mortgage this year so far. # 1 On XXXX/XXXX/XXXX - I received a check for {$1000.00} from " Loan Care '' stating that my Escrow had an overage & that this amount was being return to me. I call " Loan Care '' { same day } asking that this call be recorded as well. Then I ask the CSR was this check send out an error on " Loan Care '' part or was this for real and to check to be sure this was not a mistake. The CS person said that the check was not a mistake, it was an overage to my Loan & Escrow accounts, that all bills { loans & Insurance and taxes } are paid. I question the CSR again & the same answer. The CSR person said that if I did n't want the check, just send it back. I reply that if is this for real, I was going to pay a bill with it. # 2. I found out on XXXX that " Loan Care '' had been applying Mortgage payments to my Escrow account. # 3. I call " Loan Care '' on XXXX/XXXX/XXXX to find out were my Loan Statement was, I 'm trying to Re-fi my mortgage with XXXX & need a up to date statement. That 's went I was told ; that I was behind in Home payments & it had been reported to the " Credit Company 's ''. That 's when I found out that my Mortgage payments were being added to Escrow accounts. After talking to XXXX different CS 's, I found out that they had added XXXX Mortgage payments to my Escrow account & not my Mortgage. " Loan Care '' Mortgage Company only found these errors out when I call them on XXXX/XXXX/XXXX. I then was transfer to upper management person - XXXX XXXX. I told her all that I found out about what was going on with MY Mortgage payments. XXXX said she was correcting all of the payments errors as we speak. But that I was still behind XXXX payment & I need to pay it. I told her I do n't have it & that after I call " Loan Care '' on XXXX, I had paid a bill with that money they had send back to me & that this was their BIG ERROR. I told XXXX that the mortgage was being paid by Indiana Gov'ent help fund. That I was calling Indiana XXXX XXXX and reporting " Loan Care Mortgage. XXXX group told me to file this complain with you and the Indiana Attorney General as well.. The payments were made in good faith and the " Loan Care '' Mortgage Company was the one making all of errors and not taking responsibility for said errors.

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need help, I loved at XXXX for many years decided I was not going to renew my lease provided a notice as stated in my lease and now I look at my credit file and see a {$2600.00} collection. This is NOT accurate and unfair. I have disputed this with no outcome. Please help. I was a GREAT tenant and left the unit in excellent condition. Where are these fees coming from? This debt is NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.

Company response to consumer: Closed with explanation