milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX XXXX and XXXX XXXX, XXXX I made two payments to American Express Platinum in the amounts of $ A and $ B respectively. They have acknowledge receipt of those payments on those dates. Unfortunately the later payment was credited to the wrong account by my error. On XXXX XXXX I recognized the error and called American Express to correct the matter and ask that the latter payment be transferred to the correct account. American Express assured me the matter would be corrected within 48 hrs. On XXXX XXXX it had not been done. On XXXX XXXX I was denyed use of my card. I checked on the account and determined that the $ B credit had not been credited to my account so I called again to ask that the transfer be done and was assured that it would be corrected. On XXXX XXXX American Express called and demanded a payment to bring the account current and indicated that I would contunue to be denyed use of the card if I did not. I explained that I had made a payment and was trying to get it credited to the account but was not getting any help from American Express to rectify the matter. I explained the matter to the representative, they acknowledged receipt of the funds and again told me that the matter would be rectified within 48 hrs. and that notes had been made in the file to that effect. I called American Express on XXXX XXXX and was told the matter was still pending but had been submitted for approval on XXXX XXXX and should be corrected within 48 hrs. I called American Express on XXXX XXXX and have now been told that the submission on XXXX XXXX was denied because the representative did not use the correct procedure and that it will take another 48 hrs after a submission to get the matter resolved. Notwithstanding that I made the payment on XXXX XXXX I am now being denied use of my card and auto payments are being returned to the vendors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Experian several times regarding inquiries that I didnt initiate. I would like for these inquiries to be removed and I would like proof of the inquiries listed below. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/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 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Credit line increase/decrease

Complaint: I was paying my account on time and with no delinquencies. I was the victim of internet fraud and theft by deception. After American Express agreed to restore my credit limit, they reversed again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The company calls portraying a law firm and threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (I do not know) with Finance System of Richmond, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient has consistently, ineptly failed to properly service my student loan account in a multitude of ways : 1 ) They failed to withdraw scheduled ACH payments, but subsequently charged me for alleged delinquencies resulting from Navient 's f ailure to make scheduled withdrawals  ; 2 ) Pa yments were misapplied, i.e., the full amount for all loans was paid in a given month, yet that amount was only applied to  XXXX  loans, resulting in alleged delinquencies on all other loans ;  3 )  Advising me that I had set up a payment program that would avoid future delinquencies, only to begin calling me in a month to say that my account was delinquent ;  4  ) Starting  XXXX ,  XXXX ,  2017, ha rassing me and my co-signer regarding alleged delinquencies despite my having paid all alleged delinquencies the prior month on  XXXX   XXXX ,   2017  , and making all scheduled payments for the month of  XXXX  as set up by a Navient employee ; no adequate description of why this occurred has ever been provided, including in a call with a supervisor named  XXXX , Employee ID  XXXX  ;  5 ) Refusing to provide a consistent point of contact ; Navient will typically only provide an employee name, and will not provide any other information permitting you to follow-up with the same person when the advice they provided is faulty ; 6 ) Never offering me income based or any other alternate payment programs ; and, 7 )  Providing notice of alleged delinquencies solely by robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My daughter had a private loan with Chase and I am the cosigner.I never received a statement from them in the 4 years since she took it out. Last month I got a document from them showing the original load had increased by {$2000.00} due to interest. Had I received statements from them, I would have been paying the interest as I have done for the past years with the other private loan she took it out. When she logs into her account there is no information about the servicer or interest amounts.It only shows it is in deferment. The interest also seems excessive. The original loan was {$600.00} and now it has increase to almost {$8000.00} in a few short years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by 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 09/15/2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. 
In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (VA).
Issue: Making/receiving payments, sending money

Complaint: We just bought a home in Virginia with C & F Mortgage. Us Bank bought the note and is not honoring the biweekly payment program written into the note in paragraph XXXX. I just demanded they provide a audit and credit all of the additional interest they have charged, since they put my biweekly payments into a suspense account instead of applying them to the note. They also applied one of my payments to additional principle when there was no instruction to do so, and called to say we were behind on our mortgage several times. I need help with this arrogant and unwilling mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: -- On XXXX XXXX, 2016, I submitted a complaint through the Consumer Financial Protection Bureau online complaint submission form, which is quoted below : " Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called

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 03-08-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sufficient evidence of this debt was not provided. In my dispute with XXXX, the debt was removed from my Credit report. 30dys later the debt resurfaced under a different name onto my XXXX 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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX Paypalcredit Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/paypalcredit  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX veteran for 5 years. I live in a condo which Wells Fargo is foreclosing on XXXX XXXX, 2016. I have tried explaining to them I am awaiting on a decision on my appeals with Social Security XXXX and VA ( Veterans Affairs ). All I ask is to stay in the home until a decision is is reached but Wells Fargo is going ahead with the foreclosure sale. I tried to do a short sale but again there is a wall up with Wells Fargo and they will not allow me to do any of the above suggestions I just mention. I no other place to go. I have no money. I am confused and at a l lost as to what to do when it comes to my mortgage and keeping my home.

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