milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!

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 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.

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 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calling day after day even though I have tried to work with them to settle the debt

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problems caused by my funds being low

Complaint: I had a checking account with navy federal credit union that offered overdrafrt protection that i unfortunately took advantage of & got so far behind that i had a hard time paying back. Not fully understanding the terms or programs offered by the credit union i was under the impression that i needed to pay the overdrawn amount in full. My checking account was closed and sent for collection at the same time my savings account remained active. I had a significant amount of money deposited in my savings account when i tried to withdraw the money from my savings i was informed by the representatives from navy federal that i would have to set up arrangements to pay the amount overdrawn from my checking account before i would be able to access my savings account once i then spoke with the representative from that department she informed me ( very rudely ) that the credit union would be taking all the money from my savings account and that since she could not confirm my employment or source of income that i would n't be able to set up any arrangements & any future money deposited into my savings would be applied to my remaining overdrawn balance all this after explaining to her that i am a XXXX veteran living on a fixed income. I would think that navy federal credit union is supposed to offer benefits for XXXX and XXXX veterans instead of a rude & hostile customer experience i also again agreed to set up arrangements & while speaking with the agent she took all the money from my savings account. Any help with this will be greatly appreciated. I intend to pay off the remaining balance and close all my accounts and i will no longer do any business with navy federal credit union & anyone i speak with or know i would suggest the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I previously filed a complaint on a related matter. However, this complaint is different. On XXXX XXXX, American Express advised that it had closed my account because I had used XXXX, while linked to American Express, to pay certain related parties. AMEX stated it was a violation of their agreement, although it was not. 

The above is by way of introduction only. Now, I have received a letter from American Express, a copy of which I am enclosing, stating that the reason that they canceled my account because I did not provide financial documentation and/or IRS information as requested. The only problem is that American Express is made no such request. 

I would hope that AMEX is held at least to a standard of behaving in an honest and forthright fashion. At this juncture, I have been provided to inconsistent reasons for the cancellation. In the first case, their document does not prohibit the conduct. In the second case, they canceled me because I did not abide by the request, which request they never made. In both cases, AMEX acted very improperly. 

I asked that American Express not be taken at face value this time around, as it is clearly promulgating inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I returned a call and spoke with a young lady who had an attitude with me. I have the call recorded. 

I asked her who the creditor was and she refused to tell me and kept asking for personal information. 

I did not feel comfortable giving information to a random person who could n't tell me who they were collecting for. It 's not uncommon for people to phish information out of others to steal an identity. 

All I needed to was who the creditor was to verify she was who she said she was. 

I talked to her 5 minutes til XXXX Friday night and by Saturday night it was on my credit. 

I have received XXXX communication and I feel she did this maliciously. She said " I guess I ca n't help yaaaaaaaa ''

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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised XXXX XXXX could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.

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 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: IC systems of XXXX minnesota violated FCRA by placing an item on my credit report without my knowledge. i DO NOT owe this money. They violated FCRA did not notify me of this alleged debt in writing or verbally and I DEMAND IT BE REMOVED IMMEDIATELY! I DO NOT OWE this amount and I AM NOT responsible for it. IC systems violated the law and needs to be investigated. This item is FALSE and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! 
Can you please handle this very annoying matter for us. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Delinquent account

Complaint: I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in XXXX of XXXX. A resolution was reached through a debt collector ( XXXX XXXX XXXX of XXXX AZ ) on XXXX XXXX, XXXX and the account was settled. A confirmation number was issued ( XXXX ) and the agreed amount was taken from my checking account. This week, mid XXXX XXXX, a letter came from a different debt collector ( XXXX XXXX XXXX, XXXX of XXXX IL ) demanding payment for this account which was already settled and satisfied. Amazon.com and Synchrony have both told me to resolve the account with the original debt collector. However, the original agency ( XXXX XXXX XXXX ) is no longer in business. I have no faith in Amazon.com. I fear that they will continue to try and collect a debt which has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. 
I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage purchased my loan from XXXX XXXX and ever since the loan was taken over by them I have received numerous statements showing different amounts owed. My husband passed away XX/XX/XXXX and my XXXX was reduced by more than XXXX. I am on a fixed income and this has made it difficult to maintain all of my expenses because of the funeral expenses and I am now running XXXX payment behind on my mortgage with Nationstar. I applied for a loan modification to help bring my loan current in XX/XX/XXXX. I was denied in XXXX on the basis of not showing enough income to support a modification. When we contacted Nationstar to review the reason for denial and they stated that the underwriter based the decision on my net Social Security ( after medicare is deducted ) instead of on my gross income. When asked why I was reviewed based on net instead of gross, they stated that they review each loan differently and I could not be reviewed based on my gross income. We requested other workout options and they stated that I would have to wait XXXX months to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XX/XX/XXXX - Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' - Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Discharging my federal student loan. 

I am a former student of the XXXX of XXXX, From XXXX. I also was duped into enrolling with false promises! With aggressive recruiting tactics. That no matter what they wanted me on the the hook, With a federal loan, for A predatory school. With many of my instructors barely educated in the field themselves to which they were teaching. 

Am I to remain on the hook for debt I owe to the Department of Education? For a degree that is worthless, no more than the paper it is written on. 

The promises that were made to me and others at the art institute were that, at the end of my education I would be able to find a position in my field and begin the long road of repaying the loan back. 

But that was not the case. The job career center that the school offered only had jobs with really low paying positions, and had nothing to do with my field of study. An example being, a fast food restaurant. 

With more than XXXX in debt that can not realistically be paid off with the small amount of wages I currently receive and the HIGH cost of living.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Savings account) with EAST WEST BANK (CA).
Issue: Deposits and withdrawals

Complaint: Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX  County court house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called  XXXX  and Transunion on  XXXX / XXXX / XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information 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 03/13/2017 about Credit reporting () with On-Site Manager, Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I received notification " Chase Card '' performed a hardpull of my credit report. I did not authorize this and I have no idea what its related to.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with Quantum Leap Mortgage Corporation (OH).
Issue: Closing on a mortgage

Complaint: I started a FHA loan thru XXXX in the beginning of XX/XX/XXXX. I was already preapproved they them. But had to change companies because they keep increasing the amount to close with no answers on why. So I took my preappoval to Ohio capital mortgage XX/XX/XXXX with a promise to close XX/XX/XXXX. They have missed that deadline then they promised to close middle of XX/XX/XXXX they missed that closing then they promised a closing first week of XX/XX/XXXX and missed that closing. Then they gave me a new closing date of XX/XX/XXXX and have dragged their feet to make that happen. I am now in jeopardy of losing the house because of all the delays that they and their processors have caused. They lost my tax information and keep delaying closing for no reason. Processor has stated they want to close on Tuesday but yet have not heard about what time or where and when I question my broker at Ohio mortgage he changes his story even after proof of all the emails and promises. No one returns my emails or answers any questions. This has been going on to long and now I am about to lose my dream home and become homeless because I had sold my trailer based on a promise that was made.

Company response to consumer: Untimely response