milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2015 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans with XXXX XXXX went into default. Now Northstar Location Services took over payment. I set up {$250.00} a month. My husband and I just got a joint bank account a few months ago and now someone got into our account and retrieved our account numbers. As a precaution, they closed that account out and gave us a new account. I went to lunch and got back and had a missed call & voicemail on my cell phone, work phone, and they had called a department that takes incoming calls from our loan officers about our mortgage loans. So I had a co-worker messaging me about it. I called the lady back, her name is XXXX XXXX XXXX, and told her I have told her more than once not to call my work phone. She said it was system generated and she had no control over it. I told her I never even gave them the place where I worked, let alone, my work phone number. I also told her we can not get those type of calls here, that my workplace does not allow it. Once again, she told me that she would remove it. I do not believe her when she tells me this as she had said it before. She said well the only time we call you at work is when there are non sufficient funds. I told her that I have always gotten back within the day if there are any issues and I do not care what the issue with my account is and calling my cell phone and leaving a voicemail was enough.

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit determination

Complaint: I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.

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

Complaint: The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Other type of mortgage) with KEYCORP (PA).
Issue: Struggling to pay mortgage

Complaint: Went thru a remodication process with XXXX XXXX XXXX. Have been paying the agreed upon amount for years!! $ XXXX- which I was told was combined 1st and heloc. Initially in 2006 1st mtg was {$1200.00} and heloc was {$150.00} a month XXXX XXXX sold to key bank and none of the agreed paperwork is on record and they have started foreclosing. I 've called and mailed 6 letters asking and showing my issues. To no avail. Even attempted using a housing counselor. She ca n't get thru either. Now I 've been making the full payment and they are sending me {$400.00} back monthly for overpayment. But not halting the foreclosure. This is my home. My parents have now been served by sheriff too. Please 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 non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.

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 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/2015

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 02/28/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there are XXXX public records ( bankruptcies ) reporting on my credit report, I have sent numerous letters as well as called numerous times to dispute these records ... US court sent a letter saying they do not furnish information to credit bureaus ... .and Equifax HAS NOT AND REFUSES to tell me the furnisher of this information and will not provide proof of the validity of these XXXX RECORDS ... .THIS IS CLEARLY A VIOLATION OF MY fair credit reporting rights ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have contacted the company for a copy of my credit report both by phone and online, I still have not received it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (VA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 Citibank processed a charge against an expired debit card on my account for XXXX of {$47.00}. 
While the charge was shown as pending I called and notified Citibank and spoke w/ a representative named XXXX and a supervisor named XXXX XXXX 
Although I notified them that the transaction was unauthorized and made against an expired credit card the Citibank representatives said that since the transaction was done by an automatic payment system all the Merchant needed was the card number and that Citibank did not require an expiration date for the card nor a security number. 
All that Citibank would do in response to my complaint would be to issue me a new debit card and process a dispute. The charge would remain against my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was recently pre approved for a kohls credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by XXXX either this company Koh'ls is lying  that they checked my credit report or they were given false information on me by XXXX XXXX I would simply like for this Inquire to be removed or be sent a report of information provided to Kohl 's . Application # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Medical) with Armada Corp. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have attempted to get a statement of services from this company for over a year. I have called twice and requested one. I attempted to contact the hospital where service was rendered, but they keep directing me to this collection agency. 
I am disputing that the debt is mine in whole. I have not received any information ( in writing ) despite my attempts. I also would like to confirm the date of service and the total amount of my insurance coverage ( if applicable ).

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 05-10-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other service issues

Complaint: I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 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: Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Billing disputes

Complaint: In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: When I contacted walmart regarding the interest fee on my credit card, i asked how much was the intrest fee and how often? They said to me it was every month and that is was only {$12.00} intrest a month. 
I believed it but always wondered why i owed so much money? I just received a new card and the app to log into my account and so i did, thats how i got to see they are charging me wayyy more for intrest than i can imagine and for every purchase i believe? 
My monthly payment is, every XX/XX/XXXX i always give my payment before the XX/XX/XXXX yet they still gave me a late fee on XX/XX/XXXX when i gave my payment XX/XX/XXXX!?!?!?!? I DONT UNDERSTAND!? 
So far i can only see my interest fees from XX/XX/XXXX its : ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$35.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee 37.51 & late fee XXXX ) ( XX/XX/XXXX interest fee {$36.00} ) ( XX/XX/XXXX interest fee {$38.00} ) And for this month i already paid {$100.00} on XX/XX/XXXX. 
The balance on my account does n't go down AT ALL! I will be attaching pictures and prove of what i am talking about i circled everything in different colors on the pictures ( Sky blue means : Month, Payment & Payment Date ) ( Yellow : Interest Fees ) ( Red : Late Fee ) ( Green Means : Not Sure What They Charged )

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
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX I was wired XXXX from my Chase account to XXXX XXXX XXXX for a new investment account. Our email correspondence was hacked. I sent my money to XXXX to a XXXX XXXX account in XXXX XXXX. It ended up being wired to a XXXX XXXX Bank in XXXX. On XXXX XXXX, I learned that XXXX never got the money. I learned that XXXX had never sent me that email a hacker had interrupted the email stream. XXXX XXXX called XXXX XXXX because they hold NO accounts at XXXX XXXX. XXXX XXXX confirmed there is no XXXX XXXX XXXX account nor do any of the officers of XXXX XXXX. The wire went to an individual not associated with XXXX. XXXX said that is a violation of anti money laundering laws put in place after XXXX. XXXX XXXX should have kicked the money back from the wire. XXXX XXXX has refused to return the money. I called Chase, FTC, credit companies, XXXX, OCC, and the Texas Banking Commission to help get my money back. Chase initially closed the investigation but recently re-opened a global investigation due to a local branch manager. However, Chase will not give me a case number or a number to call to follow up. I have a police case open as well but again have not heard back. XXXX XXXX XXXX is willing to share its findings with any investigator. XXXX also had the FBI look at the hack from their end. I would like XXXX XXXX and Chase to be held responsible for returning my money as they did not do due diligence when the wire was sent. 
Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation