milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

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 07/22/2015 about Debt collection (Medical) with Armada Corp. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally Experian has taken more than 30 days to investigate as per FCRA and should immediately remove the items below. Please see items below ACCOUNTS XXXX XXXX XXXX NEVER LATE XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with Advanced Call Center Technologies, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: WHEN INITIALLY I DISPUTED DEBT I WAS CREDITED FOR THAT AMOUNT..AND ALL PENALTIES REMOVED .SUBSEQUENTALLY I WAS RECHARGED FOR DOUBLE THAT AMOUNT ... IHAVE CONSTANTLY ASKED FOR PROOF TO NO AVAIL ... NOW I AM BEING BADGERED BY A " XXXX ... FOR THE sum of {$2400.00} ... .re. " XXXX account ... .. ( XXXX XXXX XXXX ) ... ... .dealing with there reps. is like dealing with XXXX ... ... no one seem to be able to prove my alleged debt ... I am XXXX years old ... and can afford to pay ...., but I refuse to be bullied and badgered

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX/XXXX/XXXX I called the agency to advice of my dispute the first representative was very rude and became irate after advising her I was disputing the debt I was only notifying them why I was disputing since she seemed bothered by my call I wanted to make sure my file was documented correctly and placed on the right status. I decided to call again maybe the colector was having a bad day. When I called again That call was even worst the gentleman nearly verified who he was speaking with he kept muting the phone ( Im sure he was speaking to the other representative ) I asked for the time being to place a cease on my file he just said ok and hung up on me. I was bothered by the way I was treated and felt I wasnt being helped and treated unfair as I was just stressing my concern and dispute in my file. So I decided to speak to a supervisor to see if I could get some help But that was not the case I was treated unfair and feel they were being abusive in the way they were treating me without a reason. As I advices the representatives it is not personal I just wanted my account reviewed further in reference to the charges I was disputing. Which is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: On 1XXXX16 I purchased {$7700.00} worth of what were supposed to be refurbished phones from a company called XXXX XXXX. The phones were not refurbished and therefore useless to me. The sales rep took full responsibility initially and told me he would take them back. His manager refused to take them back. They claimed they sent me theire " no return '' policy but I never received it. In the information technology business, it 's unheard of not to stand by the products you sell unless you happen to be completely unethical. I tried to contact the owner to resolve the dispute and he would not return my call. I then immediately disputed the charge with the credit card company. I provided evidence from my email that no policy was ever received by me. I had done one transaction prior witht he company in which they purchased equipment from me and that went very smoothly. I had no reason to believe this purchase would be a different experience. I returned their equipment at my expense. They refused delivery. I am currently in posession of these phones and completely willing to ship them back in return for a refund. The phones are virtually worthless and I have been a victim of a very unethical company. Chase Inc. has decided it is a valid charge despite the fact that I never received any return/refund policy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Settlement process and costs

Complaint: I have already filed 2 complaints against Wells Fargo and on both i had disputed both and neither dispute has been received so i have to dispute by submitting another complaint. first # is XXXX, the second # is XXXX. Now this is my 4th attempt to deputed Wells Fargo 's last reply to my complaint. I feel they have done some of the things that i had requested. I did receive my debt in writing and now am willing to talk to them but if Wells Fargo seriously feels that there are no errors with my statements or with the amount of debt it owe then i will hire a lawyer tomorrow. but if Wells Fargo might read my letter and answer the questions i had asked a year ago, and correct the over charges in outstanding fee balance of XXXX or even explain some of the things that i am a little confused about we are willing to sign a new loan modification, but the wording of the contract i would like change a little and my XXXX XXXX money i seriously do n't feel it 's $ XXXX is lower then we got a deal. I think Wells Fargo and My Husband and I can equally agree on something. my home is supposed to be auctioned tomorrow, i would also hope it will be postponed/ cancelled. Thank You

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 11-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Ive already paid off multiple loans with Navient but I need some more time to pay off the remainder of my loans. I am receiving up to 10 calls per day at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : 1 XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Utilities And Fuel XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

Thank you

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 07/14/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Im trying to fix my credit and this judgement t fron calvery portfolio shows up and the credit counseling company im working with has dine research and called calvary and they cant find nothing under my ssn. Also XXXX police served me a letter and had a warrent for my arrest and inpaid them {$300.00} to no get arrested and i webt to court told them it wasnt me and they told me they were going to investigate and i never heard back from them. I really need this off my credit as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this dept

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Blackhawk Network Holdings Inc. (GA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I requested a new card with my previous address, was informed that my card was sent out on XX/XX/XXXX. 
Was told it takes 5 to 10 business days. 
Called in when I did not receive card, was told it was sent off on XX/XX/XXXX Today is the XX/XX/XXXXand still have not received card. 
Please address this matter A.S.A.P. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX cell phone, the phone 's ESN # XXXX, the SIM # XXXX for {$310.00} thru a special XXXX XXXX XXXX promotion ( if customer signs with XXXX XXXX XXXX ) from XXXX XXXX XXXX in XXXX XXXX, CA. 

XXXX XXXX XXXX rep called XXXX XXXX XXXX and setup acct # XXXX and for 2 hours was unsuccessful to keep/transfer my business cell phone number. The rep gave me my purchased cell phone and stated I could try on my own. I visited two XXXX XXXX XXXX stores and then called customer support and technical support in which all attempts still unsuccessful to transfer my cell number. 
Within 8 days ( including XXXX XXXX and XXXXXXXX XXXX has a 14 day return policy ), I returned the cell phone onXX/XX/XXXXand was refunded and was told the XXXX XXXX XXXX acct was cancelled since I did not use the cell phone. From XX/XX/XXXX thru present, I continued to receive XXXX XXXX XXXX billing for XXXX. I called and explained, no change. I then sent all receipts, notes to explain I did not have any type of account with XXXX & XXXX I am now being mail abused by many different creditors as well as XXXX XXXX XXXX to pay {$100.00} that I do not owe. 
XXXX XXXX XXXX has placed this debt on my credit report and I disputed but still received collection letters. I ask that the CFPB investigate XXXX XXXX XXXX for fraud charging and unfair practices against the consumer. Thank you.

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 05/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the middle of a chapter XXXX, have Owen as my mortgage holder owe XXXX my loan and my house is not worth XXXX, they told my attorney I qualified for a modification after 3 months of sending paperwork, sent it wasnt available to me, no reason was given, other then I didnt qualify. I have had nothing but TROUBLE with Ocwen, and my attorney has tried to resolve many issues, all letters have gone unanswered, by Ocwen. I just wan na safe in keep my home Ive been in for the lat 20, years Help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.

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