milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.

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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I contacted Equifax XXXX/XXXX/2016 XXXX in regards to XXXX they open a new investigation again even though the were provided with docs to remove this items from my credit report we are going around and around they fail at ever turn to do anything about XXXX and keep reporting information they call the account verified when it clearly is not they have in the records a copy a court order yet

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Medical) with Finance System of Toledo, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My doctor sent me to have a XXXX done prior to my XXXX. The doctor that performed my XXXX ordered me to have XXXX done. I gave them my insurance card. 
I do not understand why one year later they sent me to collections. I found out when I checked my credit score. 
I immediately called this collections office and asked what was going on. The lady that answered the phone said they sent me letters in the mail but they were returned. That is not true because I never received anything and I never sent anything back either. She said she was going to send me paperwork in the mail for me to review about the visit. And this was 2 weeks ago XXXX XXXX and I have not received anything. 
I also called the same day the place where they did the XXXX and I told them I had health insurance and I did not understand why they did not bill them. She said it had been longer than a year so they could not do it. But that is not my fault they did not do it. I had health insurance since XXXX XXXX, 2015 and at the time of that service my insurance was paying 80 % and I was responsible for the remaining. 
I have not received anything in the mail explaining to me why they failed to bill my insurance. I have proof I had insurance at the time of service, and it would have been really stupid of me not providing them with that important information when I went there to have a XXXX done. 
If I am requested I can show proof that I have been insured since XXXX 2015 I know I am responsible for 20 % of the debt, and I do agree with it completely. But I am not liable for the whole amount. 
I will pay what I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An item appears on my credit report from XXXX XXXX XXXX and I am not aware of ever receiving services from the original creditor XXXX of XXXX. The contact information including phone number are not correct as the business has closed and phone number is to a towing company. They are not able to provide me with correct contact information yet they can verify the debt with a company that does not exist any longer. The original creditor is also no longer in business. The only resolution I get is to file another dispute. When asked why they can not put me on hold and call the company they continue to tell me they will file another dispute. If I am not able to conact a person reporting negative information on my report to get information how can they legally continue to report it. The response is that the origianl company has my name and information correct so it will remain. This is very frustrating that credit scores are held in such high regard, but accurate record keeping and providing basic contact information is not. I have repeatedly asked for updated information or to have the item removed from my report. Once again, the answer is file another dispute and wait 30 more days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have become delinquent on my private student loans due to an illness which prevents me from working. I tried to contact navient to ask for medical forebearence, but they say that my loans do not offer any recourse if i become ill or XXXX. not they are calling me 10 times a day and harassing my relatives as well. 

Navient makes me want to kill myself, i swear to XXXX i will if they do n't stop CALLING!

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Checking or savings account (Savings account) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy on my Equifax report that should be deleted do to the age of the file

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: Applied and approved for th e Citi AAd vantage Platinu m Select Card o n  XXXX   XXXX ,  2017 . The promotion was receive  XXXX  AA miles if I spent {$3000.00} within 3 months of card approval.     Received an email  XXXX   XXXX ,  2017  stating the card had been returned in the mail. Have been receiving other mail at the address normally with no issues.     On  XXXX   XXXX ,  2017 , called int o Citi Custo mer service and asked to have card expedited due to delay, but request was denied citing new credit card accounts can only send the initial card through normal mail. I was then told another card would be sent with normal mail i n 7-10 busin ess days.     Called back aft er 10 bu siness days, on  XXXX   XXXX ,  2017  to see why I had not received a card, and it turns out a card was never actually sent out from the previous call. Once again I asked for the card to be expedited due to the fact it has been an entire month and was once again rejected. Only offered a measly {$10.00} as compensation.     Received another email  XXXX   XXXX ,    2017  saying the card was returned again. Again, I have been receiving other mail normally at this address. I c alled in and decided to change the address to a different one, and escalated to call center manager who verball y agreed to have the card sent with overnight mail, and verbally guaranteed I would have the card at the new address by  XXXX    XXXX   EST on  XXXX   XXXX . I asked for an extension on the spending requirement timeframe for the signup bonus as I have not received the card halfway through the 3 month time window. Was denied a time extension. Was given  XXXX  AA miles as compensation of delay.      XXXX   XXXX ,    2017  I checked the new mailing address and no card was received. Called again to call center and escalated to call center  manager  named  XXXX  with ID #  XXXX .  XXXX  states that the card was sent out via standard mail on  XXXX   XXXX ,  2017  NOT overnight. Blatantly lied to by previous call center manager.  XXXX  said the card should arrive at the new address  in 7-10 busines s days.  XXXX  also denied my request to extend the signup bonus spending time window. This would mean fo r 2 out of the 3 months of the signup bonus time frame to hit the minimum spending requirement will have passed and I would only have one month.      Asked  XXXX  for further compensation and was denied citing I was already compensated with {$10.00} and  XXXX  mil  es.
Citi 's refusal to provide the card in a timely manner and refusal to extend the 3 month time frame to meet the minimum spend  ing requirements for the signup bonus is fraudulent advertising.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Inquiries : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Transunion : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXt, XXXX and 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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Payoff process

Complaint: I contacted my credit card company to get on a plan to pay off some outstanding debt on a closed card. We agreed on a {$15.00} min monthly payment down from {$25.00}, but interest is still being charged, meaning that I can only pay less than {$10.00} a month altogether. Is their anything I can do to stop the interest from piling up?

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After obtaining a copy of my Equifax credit report I noticed several unauthorized transactions. I have n't really paid much attention to my report until this XX/XX/XXXX. I did notice several unauthorized inquiries for auto loans and I have contacted Equifax on several occasions, whether it be by phone, faxes, certified letters, etc. And they refuse to delete the inquiries that are inaccurately listed on my account. As a young woman looking to buy a home for my family I am trying to dispute inaccuracies listed on my credit report. The inquiries that are currently listed pertain to auto loans. I do n't have a need for an auto loan and being a credit bureau they have access to any and all of my consumer reports. This is making it very difficult to acquire credit. I am being denied credit due to numerous inquiries and it 's becoming more and more frustrated each day. I also asked for an early exclusion from XXXX inquiries that are due to fall off, but as we know sometimes inquiries just do n't fall off like they should. Again this is affecting my ability to obtain credit immensely. I have already contacted the creditors as Equifax has asked me to and they in turn tell me to dispute it with the credit bureaus. Can you imagine my frustration? The inquiries are INDEED FRAUDULENT! This request is very important to me and I 'm hoping you can help. XXXX has done an excellent job by taking care of the same exact request. Listed below are the inquiries. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The inquiries below are the ones I 'd like to have removed as an early exclusion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I checked my XXXX XXXX account and XXXX, XXXX, XXXX reports and all reports show in closed accounts XXXX/XXXX XXXX XXXXThis account was opened XX/XX/XXXX and closed XX/XX/XXXX.This account is 13 years and 8 months old.Ive tried to dispute this with with all credit reporting agencys and the company XXXX/XXXX XXXX XXXX.This account shows up TWICE on my credit reports under closed accounts.Each time i disputed this item on my credit reports, I asked for this account to be removed because of age..As of of XX/XX/XXXX, this account is still on my report.This old accounts is causing my credit scores to go down, denial of credit, or higher interest rate.I am demanding these be removed.

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 01/16/2018 about Debt collection (Auto debt) with Fein, Such, Kahn & Shepard, P.C. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX- SUV Reposessed by XXXX XXXX XX/XX/XXXX- Judgment placed against me by Fein Such and Crane LLP on behalf of XXXX  XXXX for Balance of Original loan less sold value, plus interest XX/XX/XXXX- XX/XX/XXXX Garnishment From wages to pay balance XX/XX/XXXX -  Called Fein Such & Crane stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. Fein Such and Crane stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XX/XX/XXXX. 

Ive sent requests in writing to XXXX XXXX, and Fein Such and Crane for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with XXXX XXXX who said I needed to speak with Fein Such and Crane on the matter. Fein Such and Crane could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XX/XX/XXXX, they have taken almost {$600.00} in additional garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with EQUIFAX, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with Collection Management Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a 60 % XXXX veteran. 

I received these services while hospitilized in a hospital far from a VA hospital and could not be transferd to the VA hospital. It was an emergency hospitilization. 

I had previously notified the VA about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )

Company response to consumer: Closed with explanation