milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

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 12-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over XXXX missed calls in 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I have XXXX daughters that have checking accounts with my same bank. I opened up these accounts for them, so my wife and I were on their accounts. Back in XXXX 2015, my XXXX daughter put her account into the negative. The bank informed me that I was also liable for the negative balance. I thought that when my daughter turned XXXX, we would be taken off from the account as primaries. Considering the circumstances, I paid the negative balance and removed myself and my wife off of the account. Also, just in case I removed us from my XXXX daughter 's account. Now, we go to XXXX XXXX and I find out my XXXX went into the negative. The bank called me to inform me and apparently my wife and I never were removed from either XXXX of the XXXX daugther 's accounts. So, I have talked to XXXX different people from XXXX different departments and they all say there is no proof that I wanted to remove us from the accounts. So, I am liable to pay the negative balance once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Money was not available when promised

Complaint: I went to send money to my brother in XXXX on XX/XX/XXXX, I paid everything for him to get money the same day. After 2 days my brother went to pick up the money 2 times and they said the money is not transfer yet. I called western union to ask them and I spoke with someone and he said he needs some information from me he started asking me questions and I responded to all the questions, he said my brother can go now pick up the money with the same Tran king number. My brother went agin they said there is no money transfer. I called again on XX/XX/XXXX to ask what happened and someone told me I cant send money and receive money with western union no more I asked why they said to go online. For me after many years I always send or receive money with western union I felt is not fair and I was not the way they should traits consumers. Iam so disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.

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 07/20/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.

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 01-03-2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

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 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Advertising and marketing

Complaint: Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (FL).
Issue: Managing the loan or lease

Complaint: They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?

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 06/18/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Delinquent account

Complaint: I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: In XXXX Bank Of America bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Bank of America took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Bank of America. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Bank of America. I tried to refinance in XXXX but Bank of America had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Bank of America reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Bank of America denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Bank of America is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Bank of America constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!

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 04/16/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I borrowed money from XXXX to get me through college and borrowed {$30000.00}. Fast forward 9 years out of school and I owe them {$32000.00}. I have continued my payments through out those 9 years and have nothing to show for it. I went on an interest only plan and they kept that going for 5 years. At the time I thought I had lowered payments because I was struggling. Now they jumped my payments up to {$460.00} a month and it 's difficult to cover. Why would they let that go for 5 years with the only letter coming one month before they spike up the charges. And on top of that, it was very difficult to find someone to talk to about my situation. It 's not easy living paycheck to paycheck and to add all this on top of it. It 's dragging me down.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need help!

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