milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX, and Experian are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

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 03-10-2017 about Prepaid card (General purpose card) with Plastyc, Inc. (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I PURCHASED A {$200.00} VISA GIFT CARD WITH THE INTENTION TO PAY A BILL. I SET UP AN ACH DEBIT WITH THE PAYEE TO BE PAID ON XX/XX/XXXX. I WAS NOTIFIED THAT MY PAYMENT WAS DECLINED ON XX/XX/XXXX. I HAD REGISTERED THE CARD ONLINE AND WAS ABLE TO VIEW THE TRANSACTIONS. I FOUND XXXX TRANSACTIONS THAT WERE NOT MADE BY ME. I ALSO COULD NOT LOCATE THE CARD. 
ONCE I REVIEWED THE DATES OF THE UNAUTHORIZED TRANSACTIONS AND REMEMBERED I HAD THE CARD IN MY PURSE THE LAST TIME IT WAS IN MY POCESSION. I WAS IN A CAR ACCIDENT ON XX/XX/XXXX AND THE CONTENTS ON THE PASSENGER SEAT WENT FLYING ON IMPACT. MY VEHICLE WAS SEEN BY XXXX AUTO BODY REPAIR SHOPS WITHIN DAYS TO GET ESTIMATES AND ON XX/XX/XXXX, MY VEHICLE WENT IN FOR REPAIRS AND WAS NOT RETURNED TO ME UNTIL XX/XX/XXXX. I REALIZED MY CARD HAD BEEN STOLEN OUT OF MY VEHICLE WHILE GETTING THE ESTIMATES FOR BODY WORK. 
I CONTACTED CARDHOLDER SERVICES TO REPORT THE UNAUTHORIZED TRANSACTIONS ON XX/XX/XXXX. I SUBMITTED THE DOCUMENTATION TO BEGIN THE PROCESS OF RECOVERING THE FUNDS ON XX/XX/XXXX BUT WAS INFORMED IT WAS NOT RECEIVED. I RESENT ON XX/XX/XXXX. I WAS SENT A DOCUMENT TO COMPLETE ON XX/XX/XXXX WHICH I COMPLETED AND FAXED BACK ON XX/XX/XXXX. THIS WAS THE 2ND STEP IN THE PROCESS AND WAS TOLD THAT I WOULD BE SENT A NEW CARD IN APPROXIMATELY 10 BUSINESS DAYS. 
NEARLY A MONTH LATER, I HAD NOT RECIEVED THE NEW CARD SO I CALLED AND LEFT 2 MESSAGES ON XX/XX/XXXX WHICH IS SUPPOSED TO BE RETURNED WITHIN 48 HOURS. MY HOPES WERE I WOULD BE ABLE TO SPEAK TO SOMEONE BUT SAT ON HOLD UNTIL THE SYSTEM PROMPTED ME TO LEAVE A MESSAGE. I DID NOT GET A RETURN CALL SO I CALLED AGAIN ON XX/XX/XXXX AND HAD TO LEAVE ANOTHER MESSAGE. I TRIED AGAIN ON XX/XX/XXXX BUT AGAIN, I WAS SENT TO VOICEMAIL. I HAD NO ISSUE GETTING THROUGH WHEN I INITIALLY STARTED THE DISPUTE PROCESS BUT THE PROMPTS ARE DIFFERENT DEPENDING ON THE REASON FOR YOUR CALL. 
I WAS GETTING FRUSTRATED SO I COMPOSED A TIMELINE OF EVENTS AND FINAL REQUEST TO GET AN UPDATE ON THE STATUS OF MY DISPUTE / NEW CARD AND SENT IT VIA FAX AS THIS IS THE ONLY OTHER MEANS OF CONTACT AVAILABLE. I SENT THAT ON XX/XX/XXXX AND MADE IT CLEAR I WAS GOING TO TAKE FURTHER ACTION IF THIS WAS NOT RESOLVED. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A RESPONSE FROM CARDHOLDER SERVICES. I AM HOPING THIS COMPLAINT WILL GET THEIR ATTENTION AND GENERATE SOME TYPE OF RESPONSE AND EXPECTED TIME FRAME FOR THE FUNDS TO BE CREDITED TO A NEW CARD AS I WAS TOLD.

Company response to consumer: Untimely response
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Aargon Agency, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: States that I opened an account in 2016 and owe {$84.00}. You 're company does n't have a license to collect or communicate about a debt in the State of Indiana. I want this removed from all of 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 with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been trying for over 6 months to make payments to NAVIENT for a student loan. They continually claim that the payments are n't going through. I 've been told it 's the bank 's fault, wrong type of account ( savings or checking ), etc ... During this time they are racking up interest and threatening to ding my credit. The bank I use has assured me they have not even tried to access a payment according to their records -- which means they are scamming me for interest. I have a list of attempts that prove my case from them in writing. My account has over plenty of funds to easily make the payments -- someone needs to shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (SC).
Issue: Application, originator, mortgage broker

Complaint: We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have had Navient since I received my loans to complete my XXXX beginning in XXXX and finishing in XXXX. I find it incredibly difficult to find statements/summaries of my loans, since I have XXXX, and the website is very confusing to follow. I also can not find out how my loans have nearly doubled over the past 2 years, and when I call Navient to speak to someone regarding this issue, although the customer service team is very friendly, they do n't have any answers. They direct me to the website to look at my account details/summary but in this window I am still not able to find the information needed. I also was offered the Income-Based Repayment plan last year, which seemed like a positive option since my standard payments are nearly all of my take home pay per month, but by choosing this option my loans have actually gone up over the past year. I make payments of nearly XXXX/month, and to see that I have not paid off a penny, instead have incurred more cost, is very disheartening. I am not sure how I am supposed to tackle my student loan balance, but want to be sure that Navient has applied all payments correctly, and that it is truly possible for my loans to increase so drastically. It is incredibly disheartening and confusing to deal with Navient, but it feels as though I am trapped in this situation with not many options to get out. Thank you for your time and concern!

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2018, Chase has closed two of my credit cards. 

I have built a good relationship with chase. I honestly don't think I did something wrong to get it closed. I have XXXX credit score, few points away from excellent, never missed a payment, and paid all of my debt on the following month. 

I called the chase about 3 times to get it re-open, and they said it is permanently closed, and there is nothing that they can do about it. 

I really need these two cards, because as a full-time student, that 2 % of reward is significant for me. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent 2 certified letters to American Account Advisors Inc., the first letter was dated XX/XX/2017 delivery confirmation number is XXXX, the second letter was dated XX/XX/2017 delivery confirmation number is XXXX, both my letters are attached to this complaint. 
My letters to American Account Advisors Inc were requesting validation, including evidence bearing my signature, showing that I have or ever had a contractual obligation with American Account Advisors Inc. My letter included instructions to verify the debt or remove the negative markings for accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX from my credit report. 
American Account Advisors Inc. neglected to respond to my letter from XX/XX/2017 within 30 days and have violated the FDCPA 807 [ 15 usc 1962e ], as of XX/XX/2017 the items are still reflecting in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Can't stop charges to bank account

Complaint: applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled. 
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Payday loan debt) with Direct Recovery Services, LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: APR or interest rate

Complaint: On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting 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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: X/XX/2017 I tried to initiate a credit freeze with Experian following the XXXX data breach. Experian took all of my personal info online, including SSN and credit card info. Then I received a default error message that I would have to mail in my request : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' The info I entered was correct. I did it twice. I had just used the same info for a security freeze with XXXX. 

I tried calling, and got a recording saying to call 'during regular business hours. ' There is a huge customer need to do a security freeze, and Experian is impeding this. Clearly, the online Security Freeze is not working. Others are reporting the same issue online. Is Experian really taking calls 'during regular business hours ' from a few 100K people? This is shameful. It leaves me vulnerable due to Experian 's intentional neglect and willful inaccesibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (I do not know) with Credit Bureau of Bessemer, Inc (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked CB Bessemer XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: Wells Fargo wo n't honor a line of credit that was supposed at prime rate and no fees.

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 03/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We make our payments on the 1st of every month and America 's Servicing Company receives the check and cashes it, but never posts it so it shows up on my credit that we 're 7 months late when we 're not we are current.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX XXXX, Transunion and XXXX XXXX I was in shock & in disbelief that Transunion CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX 's stupidity is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with Tranunion & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.

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 05-08-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX  PHOENIX FINANCIAL SERVICES LLC  Permit No  :  XXXX  Type : ADAD Permit Approved Date :   XX/XX/XXXX   Date Last Renewed :   XX/XX/XXXX   PHOENIX FINANCIAL SERVICES LLC  XXXX   XXXX   XXXX   XXXX   XXXX       XXXX      XXXX    XXXX , IN  XXXX  Web   :: www.phoenixfinancialsvcs.com Emai l :  XXXX  XXXX  XXXX  Phone :  XXXX  Toll Free :  XXXX  Fax :   XXXX    PHNX FINAN Your company have vi  olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2  of this title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a  ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   
The reference items are listed below please take this matter very serious PHNX FINAN I   have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act Lit igation, Case No.  XXXX , in the  U.S. District Court for  the  XXXX   XXXX   of  California  Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  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 07-09-2015 about Debt collection (Auto) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by a company calling itself XXXX XXXX XXXX about a debt from a repossessed vehicle XX/XX/XXXX, almost XXXX years ago. The original loan was through Huntington Bank. They even called my parents home which I have n't lived at since XX/XX/XXXX. I was told they were taking legal action against me if I did n't clear the debt immediately. She then tried to get a credit card number from me. I asked for the business address which she refused to give me, then she hung up the phone. The caller id from the call was XXXX. When you call that number it rings then just hangs up. The number that was left on my answering machine was XXXX XXXX XXXX XXXX. Someone answers that number with a simple " hello how can i help you? '' A search of the internet for " XXXX XXXX XXXX '' yields no results.

Company response to consumer: Closed
Consumer complaint received 07-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Transaction issue

Complaint: Capital One took money from my checking account and will not put it back. I have called several times. The transactions were not authorized and I have communicated that with them.

Company response to consumer: Closed with explanation