milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I was linked to the Transunion website from a free credit report site and enrolled with the company under the belief that I was giving them my information to obtain my free credit report. It was not made clear that there was any distinction between the free report service and the membership option, as there is only XXXX portal. I discovered I was being charged {$17.00} per month for services I did not ask for and contacted customer service. I was told that it is quite clear that the free report is through a different website and that there was no option for a refund. The representative then offered me a free month and a reduced rate for continuing membership which I declined. The representative said that perhaps I did n't fully understand the services Transunion offers. I stated that I wanted to speak with a supervisor and was asked which type. I said that I was n't sure who would be appropriate and she said there were many different types. She then placed me on hold and the call was disconnected. I called back and was connected with what I believe was an escalation supervisor who again told me that I had misunderstood and that Transunion could refund XXXX month of service fees. I am not happy with the way this company does business or with the quality of their customer service. I think that their practices are knowingly unclear. As participants in the government free credit report service, this company should address consumer requests to remove charges when they are required to furnish free reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I have a Citi XXXX. It is the card with the 2 % cash back. The card has been setup for about a year. During that time I 've run large amounts through it, i.e. averaging about {$3000.00} per month. During that time I 've paid the statement balance in full every month. All of a sudden in the last month Citi keeps blocking transactions for supposed fraud concerns. I then have to make contact with the Card, sometimes having to wait on hold for an hour at a pop. I have voiced my displeasure, said this makes me nervous to use the card for travel, threatened to leave, etc. Citi 's response is almost like they want me to leave. They actually told me that I need to notify them 24 hrs in advance of travel. I took a quick look at rough card merchant fee info online. In my estimation Citi probably is n't making much in the way of money on the card. They 've probably realized I will never run up a debt on the card. The 2 % cash back that is paid to me probably negates the merchant fees. I suspect that they 're trying to frustrate me in the hopes that I will in fact shut the account down. In todays day and age its hard to travel or purchase items without a credit card. I would prefer to not even do business at all with the credit card companies, but that is next to impossible. This country desperately needs a type of clearinghouse where transactions can be processed. Amounts would come out of the checking accounts at the time of purchase ( no debit card ). In short the banks need to be cut out of the loop. 

The card companies want people that ca n't pay the monthly statement in full. They view people who do pay in full to be a problem. That 's a very flawed system.

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 12/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I cosigned a loan on XXXX/XXXX/XXXX in the amount of {$9700.00} for a career training program at XXXX XXXX XXXX XXXX, in XXXX, MD. The loan was originally with XXXX XXXX, now it is with Navient. The original borrower discontinued paying the loan, so I am currently trying to pay this loan off. XXXX XXXX would not allow me to apply to be released as the co-signer. The original borrower is capable of paying for this loan, but no attempts were made to obtain payment from original borrower. I continue to make payments because I am a XXXX employee and having delinquent student loans would effect my employment status and credit rating. To date, I still owe {$3000.00}. The interest rate was 9.750. Not sure what it is today because I have not receive any information from Navient regarding this loan. Loan origination date was XXXX/XXXX/XXXX, however on XXXX/XXXX/XXXX I received a statement from XXXX XXXX stating the principle balance was {$10000.00}. Payments for this loan in the amount of {$120.00} are automatically deducted from my checking account monthly, and according to my calculations, the balance should be paid in full by now. During the course of this loan, many fees have added and the balance barely decreases with each payment. I am unable to speak with a representative about my account to get any details, however I am able to get the total balance due through an automatic system by entering the social security number of the original borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed with Experian several times about my bankruptcy. They are reporting it incorrectly. I have submitted documentation and they will not delete this INACCURACY. I have asked for method of verification, all Experian has sent has been stall tactic letters. I want this deleted. Experian need to follow the federal laws. They ca n't be verifying this information for the bankruptcy. The address is wrong and there is no phone number to call. I want this deleted.

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 01-03-2017 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Credit line increase/decrease

Complaint: After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX ( XXXX ), and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with Professional Accounts Service, Inc. (Indiana) (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Was contacted on XXXX XXXX @ XXXX CST &  XXXX XXXX @ XXXX CST. 
Has not given me an amount owed. 

This company has contacted me now twice regarding a debt. I 've spoken to their manager XXXX & asked both times for a validation of the debt. Both times I was spoken to extremely rudely, called a " XXXX XXXX '', told it 's my job to call the original creditor to validate, was told they are in a " process ''. When I asked what this process was, like court? I was told that no, not court, just a process. 
I told them that under law, they have to give me verification of the debt within 5 days. Was then told that I 've owed this debt since XX/XX/XXXX, that I 'm a " XXXX debtor who never paid my bills ''. I informed them that my identity was stolen & that I have never had a credit card with the company they 're " colleting '' for. Was told by first debt collector that they have a copy of my credit report & that I owe everyone. I also told them that the statute of limitations had expired after 5 years ( Missouri law regarding credit card debt ), I have zero clue who the original creditor was, and that I need validation. All this XXXX person does is over talk & try to use scare tactics without giving me any proof what so ever. 
I just called them to inquire about their mailing address & they refused to give it to me & were again, extremely abusive. 

They are also calling my boyfriend 's cell phone ( not my number ) even though I 've told them that was not my number & to stop calling him. 

This company is scamming people & trying to collect on extremely old debts that they 're refusing to verify.

Company response to consumer: Untimely response
Consumer complaint received 06/30/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Payoff process

Complaint: Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more. 

XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX. 
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet. 

They continue to harass me and try to lie and attempt to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I recently received notice from XXXX of my creditors that their systems had been breached and my information may have been compromised. I attempted to utilize Equifax 's website to put a 90 day fraud alert on my credit file. I was easily able to do this XXXX without any issues. Equifax is demanding that I send them XXXX and all sorts of documentation of identity. This does n't make any sense. Why would they make it more challenging for me to protect myself from fraud? I just closed on a house a few weeks ago. I have none of the documents they want. I insist that they put a 90 day fraud alert on my credit report at once so that I can protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.

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 03/27/2017 about Debt collection (Payday loan) with Clark County Collection Service (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX or XX/XX/XXXX I borrowed a signature loan from a local XXXX company. This account has gone into collection. I have been paying on this account through a consumer debt company. To date I have paid {$680.00} which I have statements to prove. My credit report shows open balance of {$1400.00} on my credit reports with XXXX. Under the provisions of the Fair debt reporting act they should be held accountable or delete the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX / XXXX of 2017, myself and millions of other citizens played victim to the Equifax security breach. They 've not directly informed me of the breach and the potential for my identity to be stolen thanks to their negligent security practices. According to the Equifax Potential Impact site, I am listed as a potential victim, and have yet to have received any information from them regarding the breach or how to proceed from here so as not to be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for 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 10-03-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In its " Explanation of closure '' for Case number : XXXX on XXXX/XXXX/2016, Equifax stated that " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX Bank XXXX account number XXXX has been verified as reported with your Name, Social Security Number and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the Data Furnisher directly at XXXX XXXX XXXX XXXX to request copies of the documents they provided for verification of the account. Written confirmation has been mailed to you. '' In its " Response '' to Case number : XXXX Equifax further states, " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' A copy of the results of Equifax 's reinvestigation are attached ( " Results '' ). 

Although XXXX XXXX immediately removed the account when it received a copy of the court judgment, Equifax failed to do a reasonable investigation and remove the incorrect account information. Because of this, I am requesting copies of any and all documents or data provided by XXXX XXXX to Equifax between XXXX XXXX, 2016 and the filing of this Complaint. 

Please provide me : 1. Any and all records related to its investigation of my dispute, including all communications ( such as XXXX. ) between Equifax and XXXX XXXX. Including any and all documentation relied on by Equifax to ignore a court judgment in my favor on the alleged XXXX XXXX account ( if such information exists ). 
2. Immediate and permanent removal of XXXX XXXX account # XXXX XXXX XXXX XXXX from my credit file. 
3. A copy of my complete corrected credit file - not just a credit report, the *complete* file. 

Please note that eventually XXXX XXXX responded to my CFPB complaint by removing the alleged debt from my credit file. See attached letter. ( " XXXX XXXX Letter '' ).

Company response to consumer: Closed with explanation