milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, XXXX, at approximately XXXX EST I went to the ATM and requested to withdraw {$200.00}. The machine did not dispense any cash and gave me a receipt with an error message indicating the amount I requested and that {$0.00} was dispensed. A few minutes later, I received a text alert from Rush Card indicating that {$200.00} had been deducted from my account. I immediately contacted them via email and phone to dispute the transaction and was informed that I needed to provide a dispute in writing. On XXXX XXXX, XXXX, I submitted a copy of the ATM receipt and the signed dispute form to Rush Card via fax and email. The same day I received an email from Rush Card customer service acknowledging receipt of the documents and indicating that I may check back within 1-2 business days. 

On XXXX XXXX - XXXX, I contacted Rush Card via email and phone requesting the status of my dispute and was informed that I would have to wait 10 business days for their XXXX XXXX to determine if a provisional credit should be issued. When I inquired why I had to wait, I was informed that I just do, that is there policy. I requested to speak with the XXXX XXXX and was informed that cardholders are only allowed to speak with the Dispute Office when the initial dispute is filed. After the dispute it received, cardholders can no longer be transferred to speak with the Dispute Office but are required to contact customer service who will send an electronic note to the Dispute Office. I have been a cardholder since XXXX, always kept my account in good standing, have bi-weekly deposits from my employer and never had to dispute any transactions. So, bearing this in mind the lack of concern and poor customer service that I have received regarding this dispute is disappointing and unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 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: XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have notified trans union of this error several times, and they refuse to update my credit report to report accurate data. Instead they send a letter to explain what inquiries are. I am full aware of what inquiries are, I am also aware of what I did and did not authorize which is why I reached out to Transunion to rectify this issue The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX  -XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX -XX/XX/XXXX 13. XXXX XXXXXX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX16. XXXX XXXX -XX/XX/XXXX17. XXXX  - XX/XX/XXXX 18. XXXX -XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Respectfully, 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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Issues with repayment of loan and processing payments incorrectly. Please evaluate the issue and find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to Transunion that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.

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 04-07-2017 about Debt collection (Credit card) with Diversified Recovery Bureau LLC (HI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted DIVERSIFIED RECOVERY today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / XXXX, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 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: Their investigation did not fix an error on your report

Complaint: OnXX/XX/XXXX, I sent a letter to Experian ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). Experian send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to Experian to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. Experian again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX. XX/XX/XXXX ). <P/>I believe that Experian should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX 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 03/20/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: New scheme by Well Fargo - If you move to another bank, and you want to set up an automatic payment on your Wells Fargo credit card account better check and double check that Well has recorded your new routing number and account number from which the payment is to be made. Make URE that WELLS FARGO RECORDS IT. I 've been fighting with them since XXXX last year about ''late fees '' because my ''payment was not received ''. I sent in XXXX account notifications next, same deal!! I have had a very good credit rating until this thing with Wells Fargo, so when I 'm told by my realtor that it 's dropped down to XXXX, you better believe I 'm irate. I am getting all my statements from both banks and sending them to XXXX and XXXX who have been investigating what Wells Fargo has been doing to cheat more money out of their customers. You who will be reading this on XXXX, if this trick has been used on you, I 'll send the link to contact these investigators with your stories. -

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 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On  XXXX   XXXX ,  2017 th e IRS submitted a form  XXXX  withdrawing an IRS lien.   XXXX   immediately removed this lien from my credit report and my wife 's. I filed a dispute with Experian however their " investigation '' confirmed the lien was valid despite the fact that I submitted to them the IRS form  XXXX  and this form was recorded with the  XXXX  County  Recorder 's Office, th e very office they state they verified the validity of the lien with.

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 01/30/2018 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying Student Loan processing {$39.00} a month since XX/XX/XXXX under the assumption that I was paying for my school loans. Student Loan Processing informed me that they were working with XXXX XXXX to consolidate my loans. Student Loan Processing was taking my information ( XXXX and pay stubs ) and submitting this information to XXXX XXXX on my behalf. They provided information to XXXX XXXX that would make XXXX XXXXXXXX determine I would owe them {$0.00} based on my income. In turn, they would charge me {$39.00} based on my income. This XXXX, I did not submit paperwork when it was due, yet they have charged me monthly. Since I did not submit paperwork to Student Loan Processing, they did not submit any paperwork to XXXX XXXX. As a result, XXXX XXXX started charging me for my loans. I was being charged for my loans through XXXX XXXX and for this free service through Student Loan Processing. After  talking with a representative from XXXX XXXXXXXX, it was brought to my attention that I had not been paying any money towards my loan and that this company, Student Loan Processing, was charging me unnecessarily. XXXX  XXXX made it clear that they were not working with Student Loan processing to consolidate my loan. I had been wrongfully paying this company for a free service since XX/XX/XXXX. I would like to be refunded my money so I can properly apply this to my loan through fed loan. 
The company charged me on the following dates for the following amounts ; XXXX XXXX XXXX Total {$890.00} XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$78.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$150.00}, XXXX {$39.00}, XXXX {$39.00}. 
XXXX XXXX Total {$190.00} XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}, XXXX {$39.00}. 
Total charged- since XXXX {$1000.00}.

Company response to consumer: Untimely response
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (NV).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX, I applied and was approved for an installment loan in the amount of {$400.00} from XXXX ( formerly CastlePayday.com ). 
On the website, the loan was to have a 784.73 % APR. The website also stated that the total to prepay the loan in full on or before the 1st due date was {$540.00}. Having experience with payday and installment loans, I did not pay attention to the math at the time I agreed to the loan. From speaking to the customer service representative, I was under the impression that I would make three payments of {$200.00} for three months to pay off the loan. After making two payments of {$200.00} ( XXXX late payment fees ), I was informed of the payment plan that the company set up for me in which I would be making monthly payments in various amounts until XXXX of XXXX totaling in upwards of {$2000.00}. At no point in the application process did I agree to this payment plan. In XXXX of XXXX, I asked the company how much it would cost to pay off my loan in full. They replied that I needed to pay {$820.00} ( not including the two payments of {$200.00} that I had already paid ). If my math is correct, that is more than the APR that I did not know I was agreeing to in the first place. And, I do not know if that payoff amount will change depending on the time I am able to make the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO TRANSUNION IN REGARDS TO A LETTER THAT THEY SENT TO ME. 

Transunion Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Transunion to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, 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