milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Today I received an email-the first one I have ever gotten from FedLoan-stating that I owed nearly {$500.00} on XXXX, XXXX, this upcoming Monday. I logged into an account created with my social and it showed that I had a XXXX balance. I then called their help line who informed me that the loan was in my mothers name. From there I was told all of the bills had been going straight to her account, but oh wait! She never created an account so she should do that in order to view the bills they have been sending and check the balance. After following their online sing up instructions, my mother received an error stating that she was banned from online access. I have no way of finding out what this balance is, let alone where and when it is from because no one at FedLoans will give me any answers. I can not even make a payment, something that I will not do until I receive the documentation of what it is, because we can not even create an account. I have been attempting to receive answers all day but, their customer service is little more than " make the payment and then we 'll figure it out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been told by equifax that they never received my dispute regardign ID theft on my account. That is completely false, because I have submitted it numerous times before. Equifax is intentionally denying my request to remove the unauthorized account from my credit report. 

XXXX XXXX ( XXXX ) ( XXXX ) This accounts were obtain through fraud and are not mine. I have included previous POLICE REPORTS, FTC ID THEFT REPORT, as well as statements and Equifax has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I originally submitted a fraud claim with Wells Fargo bank in XXXX of 2016. Wells Fargo denied my claim because they said that I continued to pay my bill so the charge was valid. I had never heard of the company, and I pay my bills on time, so I let them know that I had never had any interaction with the company in question. The denied me again. After the second denial, I asked reached out to the Consumer Financial Protection Bureau. Wells Fargo responded and said that I should contact the company directly and when I have more evidence, that I should furnish them with it. I did contact the merchant who billed me via email. They told me that they did n't have any record of doing any business with me. I then sent this email thread to Wells Fargo so that they could correct my account. They did not. Wells Fargo has a {$0.00} fraud liability for clients, and this merchant has no record of doing business with me and I have no record of doing business with them.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I spoke with a US Rep that was assisting me with removing the inquiries off my report. During the phone call the she ( rep ) was confirming which inquires needed to be removed and the call disconnected. I called back and waited 30 minutes to get another US Rep on the phone. I explained to the rep that answered my call that the previous US Rep I was speaking with was deleting unauthorized inquiries and if he can continue to assist me with request. He told me he could n't do it. I, then advised him again that the previous US Rep was already in the process of removing the unauthorized inquiries. However, he did not care and did not assist me with removing the authorized inquiries, even though the previous US Rep was willing to help before the call dropped. I also advised that I have fraud protection on my reports due to fraudulent inquiries that were not authorized by me.There are 13 unauthorized inquiries from several companies : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , XX/XX/XXXX and lastly XXXX XX/XX/XXXX. None of these places had my authorization to pull my credit or anything related to 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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Precise Financial Group, LLC (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a bill from XXXX XXXXl being reported by PRECISE FINANCIAL GROUP XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX On my credit report. The opening date of this balance states XXXX of XXXX -- which is incorrect, since the loan was actually opened in XXXX. I then filed bankruptcy and it was included in the bankruptcy. I have spoken with Precise Financial Group regarding this and they tell me they do n't know what to tell me -- they offer no solutions to this problem. 

1 ) It seems that I have opened a new account in XXXX of XXXX which is inaccurate. I am trying to rebuild my credit and this is hurting it. 

2 ) I filed bankruptcy please report it as such. 

I want this removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with CAINE & WEINER COMPANY, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, XXXX I received an email thanking me for a recent purchase from my XXXX XXXX credit card. I immediately contacted XXXX XXXX and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX XXXX XXXX deemed it fraud and canceled my XXXX XXXX credit card and issued me a new XXXX. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX. I was shocked as he informed me he was collecting a debt on behalf of XXXX XXXX. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " XXXX if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my XXXX XXXX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with XXXXbank who owns the XXXX XXXX credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with 2288984 Ontario Inc. (MD).
Issue: Charged fees or interest you didn't expect

Complaint: Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding is reporting my account as open after I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As more information comes out about the Equifax breach, I am just so ... .angry because I can not help myself in this. We are expected to have credit in this country. We do not ask to be reported to Equifax - it is a term of the credit. And they have so little concern about our personal information. I would like them to be punished as much as is possible. They have put so many at risk - and they can not protect us now. Every citizen who has had their information leaked has to at the minimum take time and energy to protect themselves further. At the worst? Their credit is ruined for YEARS keeping them from prospering. It is very clear in this country no one cares about the little guy. Equifax sure does n't. I am hopeful you can use your office to protect those who have been put at risk with this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I, purchased the above {$200.00} Gift Card. However, Someone illegally registered their name to this card. I explained to customer service that the name registered to this card is illegal and fraudulent. I 've sent them numerous faxes and mailed them letters to prove my ownership of the card but the company has ignored 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 monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I keep receiving thats the results of my dispute with experian credit reporting agency is ready to view online I put in the confirmation number and the Id number. After putting in my social security number I always receive an error message that I cant view the results. This is not the first time this has happened. The last confirmation number they gave me was XXXX and Id number 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 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.

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
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Settlement paid but still shows not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per attached letters from XXXX my account was only XXXX time XXXX,XXXX,XXXX,XXXX,XXXX,XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

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 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to refinance my home mortgage. When my broker tried to pull the loan, there was an account from a company called Department of education ( # XXXX ) and ( # XXXX ) showing 90 days plus late on Transunion and XXXX. This account should not be late because I have made all my payments since my loan was consolidated. I called the department of education and their database has my account as current and they are not reporting me as late to the credit bureau. This should not be listed on my credit as late because I am current. I have tried to challenge this account on several occasions but was told by the department of education department representative my account is current and they are not reporting me to the credit bureau and there is nothing to update. I do not understand how an account that is current is being reported to the credit bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: APR or interest rate

Complaint: Requested Chase to lower my % rate. Have been good customer for over 9 years. Never missed or late payment with Chase. I have viewed XXXX ( XXXX ) Chase customer credit card statements. These friends of mine have a credit score equal to or less than my credit score. They make less money, they have been with Chase a much shorter period of years. My % is 29.99 with Chase, which is Very High. All of my XXXX Friends have % rate between 23.99 % -16.99 %. I have send many emails, and spoke to employee of Chase about this problems/issues. The only difference that is Displayed is that I am XXXX. And Chase is Racially discrimination against Me and any other XXXX customer that Chase can identify. Chase has Racially Profile me, and are charging my credit card account a higher % rate based on that decision.JP Morgan Chase employee practice these policy regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. 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 09/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Deposits and withdrawals

Complaint: Opened a new account checking with Citibank. I was supposed to get a bonus deposit as part of the account opening terms. Citibank has not given me this bonus after almost 3 months of having met the terms of the agreement.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage acquired my Mortgage from XXXX XXXX XX/XX/2015. I paid XX/XX/XXXX and XX/XX/XXXX payments in XXXX 2015 from their website. Beginning XXXX, I set up autopay for bi-weekly payments of {$1000.00} + additional {$50.00} in principle with each payment. 

Since XX/XX/XXXX, I started getting letters that I did n't make a payment. After number calls to resolve it with them, there was no resolution and they reported delinquency to XXXX and XXXX credit agencies. I disputed with both of them by providing bank statements but there was no action.

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 05/19/2016 about Debt collection (Non-federal student loan) with TFC Credit Corporation of California (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.

Company response to consumer: Closed with explanation