milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: The merchant told me that the AMEX prepaid gift card declined and that the purchase did n't go through so I paid with a XXXX. When I went to use the AMEX prepaid gift card again, I found that the funds were drained. I checked the AMEX gift card website and the transaction that was supposedly declined is still showing up on the gift card transaction statement. I called the merchant to double check if the card went through and they continue to claim that it was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
Equifax shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus ( transunion,  XXXX , and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.

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 05-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Late fee

Complaint: In XXXX 2015 I started to have major Problems With Barclay Card US MasterCard. I was a few hours late on my paymehnt I was charged a late fee and had called in and emailed the Customer Service XXXX. I was over my limit and i was charged Late charges and Overlimit Fee charges over XXXX I emailed and spoke to the Customer Service Center and they refused to help. Finally I contacted the XXXX to see if they could help and I spoke to a Customer Service Agent and she was very rude I felt that she was discriminating against me and did not take the time to help. She was very Prejudice against others. All on want is removed off my credit report and I will go to a differnt company due to Barclay Card being didcriminating against others.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX unethically used my personal information to apply for a loan with Citizens Bank. I did not authorize the credit inquiry and upon recognizing it, I immediately canceled my relationship with XXXX. 

There is no documentation that exists that would prove me wrong! 

Upon contacting Citizens Bank, they acknowledged the loan application that I supposedly authorized, and supporting documentation, but they blatantly refused to provide me with the said documentation. XXXX also refused to furnish the said signed documentation. 

Please help me clear the credit inquiry from my profile, and please mitigate the risk involved in both XXXX and Citizens Bank Credit processes!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Other bank product/service) with Nationwide Biweekly Administration, Inc. (MI).
Issue: Making/receiving payments, sending money

Complaint: I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unexpected or other fees

Complaint: Transunion wants to charge you for a credit report that you get free once a year, what they doing is another thing the reason why I ca n't access my credit report on line because you may have gotten a free paper credit report and they concider the online credit report as your once a year credit report and you have know access to the online credit without purchasein it from this credit bureau in order to make money off of the people who need to see there credit report to be able to dispute inaccuratecys the other two major credit bureauscore have online access if you need to dispute something what ever to the freedom of information act without having to pay for it.

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 01/20/2017 about Debt collection (I do not know) with Colony Brands, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX  , 2017, I was trying to deposit check via ATM, card did not work and I called Suntrust. Bank Representative told me that my account is being reviewed and I will get a letter in the mail about their decision to keep account opened or closed it and if closed, I will get my money in the mail via check. I asked why no one contacted me, I get daily notification email about my account balance and nothing about funds are being on hold and what 's going to happen with my third party payments that I made against this checking account. The representative told me Suntrust do n't deal with fees charged by others and I have to contact them myself. This is unacceptable, I am being penalized without any advance notification. I just paid my college child rent from this account, our pay checks are being direct deposit into this account within next week. We live pay check to check and wo n't have access to money until they are done with their review. This is abusive and unfair and I need Suntrust to be accountable for putting us in financial distressed.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 03-02-2017 about Credit reporting () with LEXISNEXIS (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. 

As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). 

This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. 

I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). 

Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (MD).
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 mailed letters, called in multiple times to dispute a collections account that is listing false information in my name. The company is XXXX XXXX XXXX. I have mailed 3 letters to this company since XXXX of 2017 requesting proof this account belongs to me and have yet to hear back from this company. XXXX has not sent me any proof by mail or by phone why this account is still showing on my credit report other than it is validated by my name. That 's it. This account should n't be on my credit simply because I never received anything in the mail stating I owe this money or that I even had a collection account. I need this invalid account taken off of my credit immediately. XXXX is not even contacting my by my address to even show me proof this account is valid with my signature and that it actually belongs to me.

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 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the 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 non-monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ) and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via  XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I went to emergency room last year but after I got out from the emergency room I never received any communication from the hospital regarding the amount I owe. I called the hospital and asked them to provide the copy of statement but they never bothered. Finally they gave it to the collection agency. I never got any statement from the collection agency either. I was looking at my credit report and realized that I have an account in collection. I called them and raised the dispute with them around  XXXX  and asked them to provide the copy of the statement that they sent earlier so that the name and address can be verified. I was told that I need to file the complaint in written which I did on  XXXX  by faxing the complaint to their department. I have called multiple times after that asking for the status of the dispute but until now I did n't receive any response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with DISCOVER BANK (NV).
Issue: Billing disputes

Complaint: I am dissatisfied with the current outcome of a dispute that was initiated with Discover Card regarding a single transaction that occurred on XXXX/XXXX/2015 in the amount of {$280.00}. I have corresponded with Discover Card at least four times since XXXX/XXXX/2015 ( which I have enclosed as an attachment to this complaint ). I believe that the credit card issuer has violated consumer protection laws by failing to implement the Special Rule for Credit Card Purchase protection despite overwhelming paperwork evidence submitted by me that shows the merchant has conducted business in bad faith less favorable to the consumer. I have sustained a monetary loss as a result of merchants bad faith and intent. I have patiently utilized the internal Discover Card dispute process over the past three months with the credit card issuer always favoring the merchant ; I have repeatedly submitted irrefutable paperwork evidence that has shown that the merchant has conducted business in bad faith. I have tried in good faith to address my complaint with the merchant and Discover Card but believe that I will not receive a favorable outcome.

Company response to consumer: Closed with explanation