milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Sent communication to XXXX XXXX reporting..no response. disputed classification of debt accounts. XXXX is a credit card ... XXXX mortgage is our XXXX Mortgage ... XXXX mortgage is XXXX back is real estate mortgage ... Car note is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX Bank loan is a real estate loan, it is wrongfully reflected on the credit analysis. Credit analysis groups it with credit card account XXXX revolving ) ... that is the error. 

XXXX XXXX XXXX XXXX for the car note is misspelled account. 

Credit inquires is wrong ... XXXX XXXX we bought a car and financed it. 
There were several inquires on XXXX XXXX within the same day, same hour, requested by XXXX XXXX. This should be grouped together as a single inquiry as we were shopping interest rates ... XXXX XXXX advises it is for XXXX purpose car purchase. Please amend to show XXXX inquiry. 

The XXXX collections ... this payment was delayed due to medical code error on the bill. Medical office resubmitted to insurance company. It was for a XXXX XXXX operation total cost of XXXX was over XXXX XXXX. This was a billing error by medical provider. Paid when agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a XXXX dollars corporation.In the meantime they are messing up my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Many overdraft charges and insufficient funds when deposits were pending and checks cleared when deposits were made the same day. This has happened to me several times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from XXXX XXXX XXXX XXXX. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

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 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

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 04/24/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A merchant called  XXXX  unauthorized charged our card without permission by deducting funds :  1 . Date and amount of  transaction1 :   XXXX   XXXX ,   XXXX   : {$180.00} ; {$25.00} for fee  2. Date and amount of transaction2  :  XXXX   XXXX ,   XXXX   : {$580.00} ; {$25.00} for fee We opened a dispute with  Citibank  on  XXXX    XXXX  . We had contacted Citibank no less than  20  times via  Citibank p latform, mails, including providing all the necessary documents multiple times ; however,  Citibank chose to ignore our request. This matter had been ignored by Citibank  for 9 months now.     We had no choice but to seek some help here in getting some update on this matter.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This amount is incorrect it was for phone service and all phones were returned. and service was cancelled. i did report a dispute on  XXXX / XXXX /   2016  and was removed from my   XXXX   credit file, and was also removed from  XXXX , but i spoke to a  XXXX  representative who gave me your information to contact you because they keep putting in my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Private student loan debt) with SIMM Associates, Inc. (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Caller from Simms Associate called two people with the same last name as mine stating I had warrants and that he would come to my physical address and shared with them my physical address Then he left voice mails.The voice on one message was the same as the voice of a Simms Associate who contacted me on a student loan that keeps changing lenders. The caller was very disturbing to the individuals whom used the information he gave them to come to my parent home! Calls from XXXX with the scare tactic and XXXX as a Simms Associate was the same guy they let me compare the voicemail to what I had on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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    XXXX   reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.

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 02/15/2016 about Credit reporting () with PNC Bank N.A. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is in clear violation of my civil rights under FCRA and PRIVACY Rights Act. As a direct result I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: my stash rewards visa was stolen and used and the fraud was over 12000k and they rebilled it to my account there claiming XXXX XXXX  told them this was used at my store which i dont even own a store and thats why they rebilled it i filed a police report the report number XXXX XXXX police report phone number is XXXX and the officer is XXXX XXXX with district XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Portfolio Recovery continues to collect on debts that were charged off XX/XX/XXXX it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on XXXX/XXXX/XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Big Picture Loans, LLC (NC).
Issue: Charged fees or interest you didn't expect

Complaint: I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.

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 01/25/2016 about Debt collection (I do not know) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.

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 02/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Bank of America in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the bank of America and blocked my debit card. After I called to the police and I called to bank of America again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to bank of America front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your 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 monetary relief