milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Consumer Loan (Title loan) with Select Management Resources, LLC (OH).
Issue: Payment to acct not credited

Complaint: On XXXX/XXXX/2013 I took out a {$3000.00} Title Loan from Drummond Financial Services, LLC dba Loanmax located at XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX. My first payment was due on XXXX/XXXX/2013 in the amount of {$1000.00}, due to payment being late 11 days LoanMax took my cash payment of {$1100.00} then advised me that due to the late payment my loan had to be refinanced. My payment that was made on XXXX/XXXX/2013 of {$1100.00} did not apply to either loan. At this time LoanMax still has a lean on my vehicle and due to the fact that this company refuses to work with me I have not made another payment since XXXX/XXXX/2013. Supporting documentation can be supplied when needed.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was to added to a Wells Fargo Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a Wells Fargo Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from 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 non-monetary relief
Consumer complaint received 08-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: AES student loans continues to call and harass me about a late payment. I have a co signer on the account and there have been various times I have asked them to call me first. This does not happen. The most recent incident is this week. On Monday I called about my loan being late and told them I would be able to make a payment in a week. I asked for them to not contact my grandma as she does not make any payments towards the account. The rep stated she would note that. I then received a call ( XXXX ) from my grand mother saying they called her about my late account. After I have already spoke with them. I called them and spoke with them about harassment and they said they can send letter and make as many phone calls as needed until the account is paid. This is a continuous problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with Innovate Managed Holdings, LLC (GA).
Issue: Managing the loan or lease

Complaint: My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Short sale regarding Chase - submitted in XXXX and still do not have any movement - Chase is the XXXX and has been informed there is a foreclosure sale date on the XXXX lien - the file has been escalated with no response

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Managing the loan or lease

Complaint: Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are trying to collect debt from XXXX which was never on my credit report history. They are also re-aging this account. They put it on my credit report and I am not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are names on my credit that I never used or would go under my name is XXXX XXXX XXXX. 
Not XXXX XXXX XXXX XXXX XXXX something like that XXXX XXXX XXXX XXXX This is hurting me because there are things under the names that are not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for too many inquires on my Equifax report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, Equifax, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason:XXXX: 1. XXXX XXXX XXXX XXXX Date: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX
Equifax: 1. XXXX XXXX XXXX  XX/XX/XXXX
2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX/
XXXX XXXX XXXX
: 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX when I pull my credit it state that I just moved to the location I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of XXXX bills THIS ADRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX IS NOT MY ADRESS PLEASE DELETE Please update my phone number to my public profile XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief