milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, Experian, and XXXX on notice and they have not complied within 30 days time frame.

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 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: There is a purchase of {$230.00} : here is a copy of transaction from Capital One card : *   XXXX     XXXX  Transaction Date Friday,   XX/XX/XXXX     * Posted Date Monday,   XX/XX/XXXX     Details Grocery Appears on your statement as :  XXXX   XXXX   XXXX  FL  XXXX   XXXX  I did not made that purchase whatever it was. I did not go to   XXXX   on that day. The charge is large and it is not mine.  <P/> I called Capital One and they did very superficial investigation and told me that it is hard to say what charge that it and did not remove that {$230.00} amount. That is a very large amount and I would remember if I bought anything but I did n't. I want that amount removed because the charge doe snot belong to me. The only thing Capital One did is they replaced the card but the charge is still there and it caused me a great deal of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Delinquent account

Complaint: When I contacted Chase about the account listed on my credit report for validation and to make a goodwill payment, they responded saying they do not have records of an account in my name/social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For three years I have been submitting documents to the servicer of my loan XXXX XXXX XXXX which they consistently seem to lose documents until the application and my hard work at information gathering is no longer valid under modification programs. I have submitted four full packages to this company. They continually tell me that there is a representative assigned to my case and that person is never available. Further, the person who I do end up speaking to gives me information contrary to the last person I spoke to. In addition, as the company is working on a modification with me, they are having a third party contacting me and threatening me with a foreclosure sale date. ( DUAL TRACKING ). I have also sent two certified Qualified Information Request to determine the Forensics of my loan. XXXX responds with a letter stating I 'll receive the information and then I never do. Also, the Trustee simply sent me a notice of Default without ever mentioning exploring options to avoid foreclosure. In fact other than sending me 7 copies of the Default notice and possible sale date, Quality Loan Servicing has not sent me any correspondence despite the fact that XXXX is still working on a modification. Also, the " trustee '' has not demonstrated that it is the holder of the beneficial interest under the deed of trust, the original or substituted trustee, or the designated agent of the holder of the beneficial interest, as specified. The documents also fraudulently state that they to contacted me on XXXX/XXXX/2013 to meet requirements of California Civil Code XXXX XXXX THIS DID NOT HAPPEN and the fraudulent date was a year before I started working with XXXX on a modification. In addition, I believe that XXXX and Quality Loan Servicing are acting with purpose in this process in attempt to defraud the Federal Government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an address on my report I dont recognize and have never lived there also the phone number XXXX has never been under my name THE XXXX NY 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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WV).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00}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{$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was told  last year by Navient Student loan s that I was unable to make payments mid month and still have auto deduct on my loans to get a .25 % deduction. I was trying to pay more on my loans but was not allowed to. I was also but into forbearance without asking many times and I was not offered  a IBR plan until I went through the federal website. I also had to call many times to get my IBR amount so I could start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX Equifax, XXXX : While I opted into use these services ( by way of signing up for credit lines ), I really  had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the black market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have unauthorized inquires on my report, I call and sent letters with documentation stating that the inquires where not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Private student loan debt) with Williams & Fudge, Inc (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have  been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (I do not know) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have several accounts, address and work place on my credit report that i did not make or was not aware of them. # XXXX credit account : Capital One Open Date, XX/XX/2012 did not make this account or had no knowledge of said account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I took out a loan with XXXX and was making my payments on time and never missed a payment up until the time I fell on hard times and loss my job. I then ask them to stop debiting my checking account on the date they were taking it out. I ask the company if they could work with me and change my due date but they told me they could not because I did n't have enough funds to renew my loan. I explain that I did n't want my loan renewed I just simply needed my date change because my pay period had change because I change jobs with lesser income. Myself an my husband had an acooutn with this company but they were not willing to work with us. XXXX is a member of the community financial services as a member they agree to offer an extended payment plan to consumers but this was not offer to my husband and I and the change of the date was not offer to us. So after stopping the payments to be drafted out of my account I no longer heard from the company, now today XXXX I get an harassing call from XXXX telling me they are placing a claim against me and the original creditor was XXXX. So I asked XXXX XXXX when he called me from a south Carolina number could he send me correspondence in the mail about this debt so I can look over the amount and see if this is correct and they I can get back with him. XXXX XXXX then gets loud with me and told me I had enough time to get in contact with him to settle the debt I then told him me or my husband that the account was sold to them and I would need to look over the debt before I made a statement. XXXX XXXX told me that he would do what he had to do and good luck. I said ok sir. XXXX XXXX then calls back 5 minutes later and says mam what exactly are u going to do. I said sir I ask for correspondence in the mail about this debt and within 30 days I will give you a statment. XXXX XXXX was loud and not willing to work with me, so I ask that he did not call be back. XXXX sold our account to this XXXX XXXX XXXX and I was not aware and they never offer us any payment plans or anything during our financial hard time. I want the calls to stop and the account be written off due to lack of communication from XXXX and not offering us any type of assistance to help us with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Good morning CFPB Personnel, 01. I believe my account has been compromised. 

02. If going through my past transactions, I 've never spent so much in one place nor do I shop at any place like this. 

03. The support document that was obtained from the Merchant was not my signature. 

04. Does the card match the store account records? 

Anything could have happened when dealing with fraudulent activities. I was told by American Express Associates in the past to let pending transaction go through before advising a dispute. So that is what I went by. Also I 've since asked for a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the company and was given the run around about I opened it in 2009 and paid it but now it came back. Tried to asked for documentations but they stated they dont have it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My credit score has been improving and I have been paying down my debts. This month, Equifax lowered my FICO score XXXX points, down to XXXX. This is confusing and suspicious as I can not find a logical reason for my score decreasing such a large number. I believe Equifax perhaps incorrectly reported my FICO score and instead of increasing it to XXXX, they accidently decreased it to XXXX. XXXX is reporting my FICO this month at XXXX and there 's no reason why Equifax 's score should be underreported so low.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have made multiple written requests for TransUnion to issue my Credit Freeze security PIN and they fail to respond. I placed a Credit Freeze on my bureau more than a year ago due to fraud activity and I need the freeze removed to apply for a mortgage. I can not remove the freeze without a PIN from TransUnion. 

TransUnion will only issue a PIN if they receive a request by mail. I sent them a request on XX/XX/2017 and again XX/XX/2017 and they still have not responded. I live in the state of Arizona and TransUnion 's guide indicates there is no fee for this service. 

There is no way to even follow up to ensure they have received my request and when I can expect to get the PIN issued.

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