milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am a XXXX yr old successful independent businessman who has a major issue with Chase bank who refuses to grant me a simple revolving credit card even though i have been a customer for a decade with no issues. It is impossible to express my frustration even though i have disputed a item which was not mine, and have clearly maintained active and accounts in good standing i can not get a simple card to begin to build credit. i do not intent to abuse it. nor over use it. just to be like most people and get a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My daughter no longer went to the facility for childcare and they still ; continued to charge me even after she was no longer attending.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Bank of America and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the boa credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. 

Three attempts have been made to provide that information to XXXX XXXX XXXX   Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX   continues to communicate to the credit bureaus as a delinquent account. 

Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our 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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.

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 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.

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 04-04-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (AL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a Platinum XXXX card, and I missed paymebts due to unemployment. I contacted XXXX XXXX to bring the account current. I was informed the account was being handled by Alliance One. I contacted Alliance One to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the first and second representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and first representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted XXXX XXXX to make a complaint. They informed me that a payment was not due for three weeks. The Alliance One representative is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A few years ago, I contacted XXXX XXXX / Navient about the Public Service Loan Forgiveness program. I asked if my loans were eligible, if they could be forgiven in 10 years, and I was told they were and would be. I was given the impression I needed to do nothing but wait until the 10 years was up when they would be automatically forgiven. Last year, I submitted the PSLF forms, however I never heard anything from XXXX XXXX / Navient. Recently, I called them only to discover that the loans are not technically eligible as they are ; they must first be consolidated and the 10-yr clock begins upon consolidation ( not when I began my XXXX ). 
The lender either originally lied or provided incomplete or misleading information. And this important but unstated detail may cost me as much as {$17000.00} ; had I known I needed to consolidate 3 years ago, I would have. Now, it is too late to benefit from the program ( for the loans managed by XXXX XXXX / Navient ). 
I also want to include my story into those that say lenders such as XXXX XXXX / Navient steered borrowers toward forbearance, which then capitalized interest. In a few instances, I may have put my loans into forbearance as my job status and pay were insecure ( XXXX part-time, without any security for pay or contract ), but these were always done without the appropriate information upfront that loans would be capitalized afterward. I agree that rather than forbearance, lenders should have been advising all possible options, including a lower payment given current income ( all loans have been eligible for IBR at the least ). In some cases, I still may have needed to take the forbearance. But who can make the best decision without all the appropriate information?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Please see complaint # XXXX for a more detailed explanation. I am submitting this to formally file a complaint for Transunion. On XXXX XXXX, 2015 I accessed the Transunion web site to obtain a free copy of my credit report. I agreed to be charged {$1.00} for the report even though it should be provided for free. On XXXX XXXX, 2015 I was charged {$17.00} by Transunion. I contacted them to discover that I had apparently signed up for their credit monitoring service. I asked them to cancel it immediately and to reverse the charges. They did not reverse the charge but I am disputing the charge through my credit card company. Transunion engages in highly deceptive practices and consumers should be wary of accessing their web sit and certainly their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was transferred from XXXX XXXX XXXX to " Loancare a XXXX Company ''. We were given a loan ID at Loancare that does n't exist. We can not contact anyone at Loancare to correct this. We are put on hold after which the phone goes quiet and then hangs up 3 minutes later. 
We can not resolve this issue to pay our mortgage. Why is this so hard?

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 10/31/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time. 

Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Although I finished attending XXXX I am still paying for student loans for a degree which is not desirable or worthy of mentioning on a resume. I have paid off XXXX of the loans and feel as if the second loan may possibly be seen as already paid due to how much has already been repaid. I am paying interest for a degree that was deemed fraudulent by the government. I realize that by signing to repay the loan in good faith on my part was a responsible action, now I ask that my good faith by paying for a worthless degree be rewarded by you to end paying for said loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Date : XXXX/XXXX/XXXX amounts : {$19.00} I was signing up an account on TransUnion website. It was just for signing up a new account, but my credit card was charged by TransUnion. I XXXX percent did not approve this transaction. 

TransUnion is a XXXX on this. It let me input my credit card number to validate my identity, but that 's not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They refuse to remove all the fraudulent information from my credit

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 09/15/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Fees

Complaint: My account, as well as at least two others belonging to my friends were debited a " Account Maintenance Fee '' on the same date XXXX/XXXX/15. These accounts are enrolled in NetSpend " Pay As You Go Plan '', therefore should not be charged a monthly fee. In the previous months no Account Maintenance Fees were deducted from these accounts, only for 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 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed for Chapter XXXX bankruptcy and XXXX was aware of the debt. I disputed the amount owed and XXXX would not reduce the amount to the correct amount. 

I never received further communication nor did I receive any communications from Allied Collection agency to review the bill as well as dispute the amount. They posted the account open on XXXX XXXX 2015 yet never notified me. I only found out today because my score dropped almost XXXX points which was a XXXX credit score and now is a XXXX - ruining my credit and defaming my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.

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 09/20/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FEDERAL PACIFIC CREDIT COMPANY, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did n't have a cell phone with XXXX. I was XXXX during that time and could not have had a phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the credit agency XXXX, Equifax and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation