milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX/XXXX XXXX XXXX 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 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The Debt Company Withdrew Funds From My Account Without My Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion violated my rights under FCRA. Transunion deleted a Chapter XXXX Bankruptcy on my credit report due to a dispute I submitted, however, they reinserted the Bankruptcy and did not notify me that it was reinserted. It has been over 30 days and Transunion failed to report it deleted and instead reinserted the Public Record. Do I have grounds to sue? Transunion notified me over the phone that they dont have to verify the Bankruptcy. Please see my attachments from XXXX XXXX showing it was deleted by Transunion. I also I contacted the court and they did not verify this public record so why does Transunion continue to inaccurately report. Its bias and discrimination.

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 01/27/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They have a judgement on my report. It is not mine. Credit report file # XXXX I have call the court as well I have checked online nothing comes up i NEVER had a judgment against me. XXXX.do nothing comes up NO judgment. i have sent in a letter to equifax saying this is not mine and either remove it or show me proof that 's its mine. They sent me back a letter they validated it. They have not showed me proof even though i requested it in the letter. I called them and they say they can not show me. Either show me proof that its mine or take it off asap! If it is not taken off i will be suing them in court. For every single violation they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: .On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment & Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NY).
Issue: Overdraft, savings or rewards features

Complaint: I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient cheated me out of my rights to lower payments by deceiving me and not giving me the best interest rates and payment plans. Navient has not given me a fair chance to pay back my student loans. At every stage of repayment, Navient chose to shortcut and deceive me to save on operating costs. Navient failed to correctly apply payments to my accounts ; steered me into paying more than I had to ; and hurt my credit by misreporting to the credit-reporting agencies the status of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Settlement process and costs

Complaint: My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By law I have a right to the identity of the verifying entity as the Bankruptcy Court has confirmed that they did not verify by documentation. The credit agencies have stated that the information is " VERIFIED '' is verified by the origin. THE ORIGIN IS THE BK COURT. The attached document confirms that the information stated by the agency is FALSE!!! The credit reporting agency says I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with American Collections Enterprise, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon viewing my credit reports I notice a negative mark from the following compan y, American Collections listed on my credit report as a debt owed. I have never been in contact
with anyone about this allege debt. My consumer rights to dispute this allege debt has been violated. Which puts the company American Collections in Violation of the FDCPA 15 USC 1692 for numerous of Violations. 

Due to American Collections violating the FDCPA and my consumers rights the company and its employees has caused me irreparable harm and defamation. Which will follow with a tort claim. 

For the record, I do not have a contract with this company American Collections, I have never received funds from this company, nor have I ever gave this company consent to have access about my personal information or to use my identity to try and gain profits. 

American Collections is in violation of the HIPPA Privacy Rules and breach Confidentially. This Company did not provide me a HIPPA Release that I gave them any consent about my health or other personal Information.
This company is again in violation of the FDCPA and HIPPA Laws and caused me a great amount of damage.

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 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (AZ).
Issue: Account opening, closing, or management

Complaint: I was approved for Synchrony Bank Credit Card through XXXX, and i purchased some furniture items from XXXX on XX/XX/XXXX, to be delivered in XX/XX/XXXX, and called them on XX/XX/XXXX to cancel items worth {$480.00} way before delivery. Fast forward to XX/XX/XXXX, I made two payments in the amount of {$65.00} and {$160.00} and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for {$1000.00}. They told me I had to go into XXXX store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony, we both got nowhere. XXXX has the information of me calling, but Synchrony is refusing to credit back {$480.00} back to my account evendors though I never took possession of those items. I spent 3 hours at XXXX with the Supervisor as she called and I called, getting transferred 8 times to different people, even the Dispute Dept did n't assist either one of us. XXXX went far and beyond to try to get this resolved with Synchrony Bank to no avail. I am so disgusted and disappointed with Synchrony Bank and I can only imagine how many people they 've done this to, it 's the principient of the fact and Synchrony Bank is taking advantage of us consumers, and this is totally WRONG!

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 05-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.

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 08-01-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IA).
Issue: Settlement process and costs

Complaint: Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: Chase bank held a $ XXXX HELOC on my house when I filed for Chapter XXXX. In the course of the Chapter XXXX the Chase lien was stripped. I am now refinancing my primary loan and received a call from the title insurance company who said they could not verify that Chase has removed the lien. I have since recontacted my attorney and collected the confirming paperwork. My attorney verifies in no uncertain terms that the lien was stripped. Chase has now agreed to a payoff of {$1.00}. So it appears to me that all this time ( about four years ) Chase has held on their books this lien on my property as an asset rather than having done the paperwork to write it off. If this a widespread practice at Chase, and I have no reason to believe it is not, Chase books are overstated and Chase is likely over leveraged. And though the {$1.00} is no big deal, why is it that there is any payoff?

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 EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my private data was stolen ( SSN, birthdate, full name, etc. ) and is now susceptible to identity thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Firstsource Advantage, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: To whom it may concern, Please I need some help here. I have not received my merchandise a Samsung tv that I ordered on line. On or about XX/XX/2016 I saw an ad on craiglist for a sansumg tv XXXX so I inquired to the phone number listed XXXX I talk to a XXXX XXXX and his email address is XXXX XXXX XXXXXXXXXXXX. He said he has just started working there and said the tvs come from California. I asked him to send me an invoice and price on priority shipping. From this email he sent me an invoice and requested I send him my credit card info.So I sent him my credit card information couple of days later I asked for the tracking number after a bunch of the run around no tracking number was sent and communication stopped. I have copies of the conversation that was via text and the invoice for the tv. Please this is a fraudulent transaction. I did n't receive any merchandise. Figuring this is an open a closed case with my credit card company. I explained to my credit card company the fraud they told me it was a dispute matter and said they would reverse the charges. Atfer doing a dispute with the credit card I pretty much got the run around with the dispute process. On the invoice it says 14 day money back guarantee. which the credit card company refused to look at it. as of right now citi closed the dispute. Talking with citi they informed me this is a taxi company. not the company on the invoice.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XX/XX/2016. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from 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