milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kansas Counselors of Kansas City, Inc. (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.

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 07/20/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing

Complaint: I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX sent me to collections with the company XXXX. I disputed this because I had already paid and settled this balance with the original company, XXXX XXXX. The first dispute of # XXXX was completed and I was told I must still pay. I filed a second dispute # XXXX. On the of filing the second dispute, I had also called collector, XXXX to find out what had happened. They stated that they had sent this to Equifax as " deleted. '' Today, I checked on the status of my second dispute online and it showed a date of completion of XXXX but with no status or no results, nor did I receive a letter from equifax saying my investigation was complete. So then I called equifax and spoke with XXXX. XXXX and I contacted XXXX and spoke with XXXX XXXX at XXXX. XXXX informed us that this was deleted from my record on XXXX but will take 5-45 days to reflect that. I 'm filing a complaint my because this is not a reasonable amount of time and adversely affects me on something I paid at least a year ago. I 'm also writing to make sure this really gets removed from my credit report. In the digital age, this should n't take so long. Something needs to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to call my place of business stating that they are going to serve me papers and I do not owe them any monies. They have spoke with my employer and she has asked them not to call the office any more and they continue to leave messages and harass me. They threaten to embarrass me in front of my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account looks to have been opened up in my name by my someone that I had given access to my home to babysit my daughter

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX 2015, I signed up for Direct Deposit to lower my interest rate, they took money out of my account, put it back in, took it out and put it in again When I called them to find the issue, they stated I had insufficient funds. I did not. They then took out the next payment at the end of the month to accrue the most interest as a DEFAULT That is absolutely bad business practice, and I have since ended direct deposit and have paid more than the interest rate to down the principal, yet I am still paying way too much for the loans I took out over 10 years ago I have again requested to lower my interest rate, as ironically, the only bad payment I have is that XXXX XXXX ludicrous practice that disallowed a lower interest rate The amounts were ludicrous that they offered my 6.8 % going down to 6.55 %? XXXX to XXXX. Especially when they take it at the end of the month to maximize the interest? Makes more sense paying it bi weekly with more towards the principal Biggest scam ever I went to XXXX, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stand behind my claim. I was told although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 The bureau must generally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 More over it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishers have in dependent obligations under the FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with J&L Collection Services (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company placed a collection account on my credit that does not belong to me. I was in the middle of financing when the debt appeared on my credit. I have sent them certified letters and i have been ignored. The account name and number is J & S Collection Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit line increase/decrease

Complaint: Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Making/receiving payments, sending money

Complaint: Synchrony Bank is charging lates fees for payments delivered on time. Only payment is set through XXXX for the monthly payment. What they do is send the timely payment bank to XXXX and making the payment late so they can collect late payment fees. I already check with XXXX XXXX and the fraudulent action is from Synchrony Bank. I gess if the do this to XXXX of people they collect an inmense amount of money doing fraud transactions and abusing clients like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened an AmEx account in XXXX XXXX. AmEx requested I submit to a financial review and submit documents prior to a certain date in XXXX. Several days before that deadline, AmEx closed my account with the reason being I did not provide the requested documents. In the meantime, I earned Membership Rewards points for meeting a spending threshold and for the purchases I made while using my account. I paid my account in full, and I currently have a credit balance. I previously filed a complaint stating that AmEx did not make the MR points available. They responded that they would be available after my next statement closed, which was over a month ago. Despite this, the points have still not been made available. When I attempt to transfer to a MR partner, I receive a message indicating I have no points or cards enrolled in MR .

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: After I called, everyday its a new inquiry on my account.

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 03/24/2017 about Credit reporting () with BARCLAYS BANK DELAWARE (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: marked as improved account then days later marked as chargeoff account when account has been settled and paid since XXXX 2016 which keeps causing my credit score to drop. There is only an issue with 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 09-11-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I got a letter from Great Lakes stating I owe {$20000.00}, I signed a Promissory note for {$25000.00}. No payment have been made as of yet .... So my question is where did the {$5000.00} go? I have stated before that the student loan industry engages in fraud to facilitate the application of fees to one 's loan total. I asked for all of my loans to be consolidated, yet I bet one of the loans has accidentally misplaced or other jargon to cover themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Trouble during payment process

Complaint: I purchased my home in XXXX XXXX via a conventional mortgage. The sale price was {$300000.00} and I borrowed 90 %. A condition I ensured was in my mortgage agreement was that I could get rid of my Mortgage Insurance if an appraisal valued my home at 80 % LTV at any time. I applied to have my home appraised in XXXX XXXX as all other condos were selling above {$350000.00} in my building. The lender then transferred to Rushmore in XXXX XXXX before an appraisal could be ordered. Rushmore then tried to deter me from actuating cancellation of mortgage insurance saying that I needed to wait 5 years of payment history. I had them verify my mortgage terms and see that they were wrong. They then ordered the appraisal in XXXX XXXX. The appraisal valued the home at {$340000.00}. My principal balance was {$260000.00}. 77.49 % LTV. When I called on XXXX XXXX to have my mortgage insurance cancelled, they said that I needed to be at most 77.5 % in order to cancel. I told them this violated my mortgage agreement and that my principal balance indeed qualified. They did the math and told me they would get back to me in 3-5 days. It is now one week later and 5 months of attempting and no resolution. Rushmore illegally moved the cancellation goalposts and have made it overly cumbersome. This is a predatory lender. I am a XXXX veteran. It was clear they were only putting up obstacles to avoid cancellation rather than just honoring the loan agreement. Besides, I have enough equity that their asset is relatively safe- there is no need for mortgage insurance. It is just extra revenue they will fight for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX initiated a hard credit inquiry without my authorization. I called TransUnion to have it removed, and TransUnion refused to remove it without a letter from XXXX. XXXX will not tell me why they pulled my credit. They state that I must talk to their fraud department, but claim that they cannot transfer me internally (allegedly their transfer system is down?!), and both number that they gave me for their fraud department are "not in service" according to the operator. TransUnion has completely refused to remove this fraudulent hard inquiry, and XXXX has made it impossible for me to reach their fraud department to request the letter. I need your help to resolve this Catch-22. 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 04/19/2016 about Debt collection (Medical) with Receivable Recovery Services, LLC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing to you to find out how you can help me. This company is reporting an account on my credit report as being in collection, but the account doesnt belong to me. Ive never lived in XXXXIve always lived in XXXX XXXX, yet this account is showing up in my credit history. I contacted the company, and they alleged that the account is mine, even though it isnt. Ive never lived in that state ; Ive always lived in XXXX XXXX. Also, I informed the credit reporting agencies, and XXXX removed the account from my report, but XXXX and XXXX refuse to remove the incorrect information. I hope that you can help me, because I filed another complaint with the FTC. I have included proof that XXXX removed the account from my credit report. But XXXX and XXXX refuse to remove it. I dont know very much Englishif I didnt give the correct answer to the question for the complaint that Im filing, please excuse me, because I dont know English. Im doing what I understand. Thank you. I hope to receive your help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I called TD Bank today in order to find out why XXXX was not accepting my card online. TD Bank Rep XXXX today on XXXX/XXXX/2015 started yelling at me and told me a lie that my card was not active and that she needed to activate a new card sent in the mail with beginning date of XX/XX/XXXX - I told her I did not want to do that but instead of listening to me she bulldozed and bullied over me and called a 3 way mysterious number wherein she fed all of my personal information ( card number, expiration date, tax ID Number, social security number etc ) into God knows where and to whom. The number she called was supposedly automated and it kept saying that the information she fed was not correct so she kept milking me for more security information and I got very suspicious and told her I wanted to speak to a supervisor. It appeared that and felt like she was feeding my personal financial and identification information into some XXXX fraud ring and I told her to stop. Instead of transferring me to a supervisor she transferred me back into the cue line, where I had to start the entire process all over again and spoke to someone named XXXX who then finally gave me to a supervisor. I am now herein filing a complaint.

Company response to consumer: Closed with monetary relief