milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
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 08-07-2017 about Debt collection (I do not know) with Security Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws.
In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of,  or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. 
As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and  credit reporting has and continues to suffer from the dissemination of false credit information. 
Security Credit Services is in violation of the following as it pertains to the collection of debt which is  the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA.
It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers.
The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My monthly payments are steady going up and I received no notice when my loan is due to be in repayment status and most of all instead of them consolidation get into XXXX loan I have XXXX multiple loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (WI).
Issue: Advertising and marketing

Complaint: I opened a Barclay Card under a promotional offer that I received for a statement credit with a {$500.00} minimum purchase and 12 Months 0 % interest financing on purchases and balance transfers. 

I made hte purchases and received the statement credit but have started to receive interest charges on my card for the first two cycles. I have contacted them multiple times to investigate and each time I end up talking to a supervisor and they state they will submit a case and it will take 5-7 days to resolve and that I may receive a reply to the case. If not I should call back. 

I have now called back 3 times and each time feel like I am given the run around. 

The card offer online is very clear and can be found here XXXX The offer reads : " Purchase and Balance Transfer Rate 0 % Introductory APR for the first 12 months on purchases and 0 % Intro APR for 12 months on each Balance Transfer. '' My current case that was opened today is case # XXXX My previous case number was 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 monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Afni collection agency is asking for  XXXX  dollars for a  XXXX  account I have no information about or anything contact information to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This is the second complaint I am filling out toward Navient, once XXXX XXXX. I spoke with the company today about payment options. I can reapply to the " rate recovery program '' for only 6 more months, originally I was told I can reapply for another whole year. I 've been in the program the last year and a half to get up to date on payments and keep my percentage rate down to 2 %. 

It is also very unclear how and when Navient is sending updated reports to the credit report companies. After being in default and forebearance on and off over the last decade, my loans have tripled in size. I 've spent the last two years making on time payments and the company has not updated my credit score.
Also, after paying Navient about {$11000.00} only {$3000.00} in my principal has gone down.
I understand there are numerous lawsuites against Navient. I would like more information to get more involved and in the meantime, figure out how to deal with large monthly fees ( unneccesary late fees ),  inaccurate reports and very confusing information with this company. Thanks so much for your time and energy!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to remove these inquiries that these two companies have been putting on my report TransUnion and XXXX are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the XXXX entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.

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 08-03-2015 about Debt collection (Auto) with TMX Finance LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is with  XXXX  and  XXXX   XXXX   XXXX . In  XXXX    XXXX   I signed up for the Unlimited Data and  XXXX   XXXX  promotion for my family. The advertised Poster and the sales person ( at the  XXXX  WV  XXXX   XXXX   XXXX  ) office told me that it was a bundle. Super! This means I save money and billing is easier. Or so I thought!  XXXX   XXXX   XXXX  over billed me 3 times, this is n't my complaint as they did correct it all three times. I paid for the bill  XXXX   XXXX    XXXX  . In I had received a bill from  XXXX . I called  XXXX   XXXX   XXXX  and asked why they were billing me for a bundle in which I paid via  XXXX   XXXX   XXXX ? The price was set as per the poster and I paid the per line fee for unlimited data, talk, text and DirectTV. I was told that this was an issue and to keep paying my  XXXX   XXXX   XXXX  bill as I had been.     I called a   XXXX   after getting another bill this time it was n't until  XXXX . The customer service agent said she did n't see me on a bundle. She said the promo was going poorly and they had several complaints just like mine. She then offered to set me up with  XXXX  on it 's own. I said, '' no, If it 's not bundled and I am not getting that deal then I do n't want it ''. I told her I was sorry but  XXXX   XXXX   XXXX  and  XXXX  had not lived up to their end of the contract and broke the deal I agreed to therefore, they could take everything back.     I then contacted  XXXX   XXXX   XXXX  and changed my plan. I sent back the receiver to  XXXX .  XXXX  months ago I got a collections letter from  XXXX  for collecting my  XXXX  bill. They are saying I owe them for services from  XXXX  for monthly services as well as an early termination fee totaling - {$590.00}. I paid the advertised and agreed upon price to  XXXX   XXXX   XXXX  for phone service and  XXXX . I do not owe DirectTV. They need to check with  XXXX   XXXX   XXXX  to get their money, not me!     Sending me to collections is only further hurting my credit I have been trying to repair since a divorce. I have tried to correct this matter on my own by mailing a letter to the collections agency and they contacted  XXXX .  XXXX  decided that the charges were still valid. I disagree. They did not live up to the deal on which I signed up for. And the early termination fee is outrageous! They did n't hold up their end of the contract so I opted out. If they had been upfront with the product I would still have DirectTV today and probably past my two year contract.

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 02-07-2017 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: BMW Financial Services reported a late payment to the credit bureau after they received my payment on time. They received my payment on XX/XX/2016, and falsely did not process it until next day. As a result, a late payment was reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with Credit Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ). 
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!! 
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.

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