milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: For the entire year of 2016, I have been working with the credit company to resolve several issues on my credit report. The main issue is a bankruptcy I requested proof of validation, the credit company did not answer my complaint or directly respond to verification of the bankruptcy. I wrote the U.S. Bankruptcy court in South Carolina asking for proof that the credit reporting agency contacted them to verify validity of the bankruptcy. I have attached a letter from the clerk of court saying they do not answer request for info or send it out to credit companies. Since the credit company failed to answer my complaint within the time alloted by law, I asked for it to be removed from my credit file and any other accounts that are listed as a part of the bankruptcy.I have several documents I have maintained throughout this process, they are to numerous to send by e-mail, but if requested, I will gladly mail you all copies.

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 01/23/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I did not receive notification that my account would be sent to a collections agency. I never received an XXXX XXXX card. I am willing to pay for the purchases, debt collection is unacceptable because I was not notified it would happen. I have notified the Vice President XXXX XXXX of XXXX XXXX. I will notify XXXX XXXX Chief Executive Officer of GE money if the situation persists. I am a XXXX XXXX trying to build credit. I want this dispute removed from my credit history.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Other bank product/service) with Comerica (IN).
Issue: Using a debit or ATM card

Complaint: I will mail you all this I am having problems with XXXX banks and thier debit cards due too the theft of my wallet wich i filed a police report and did every thing they asked of me, The XXXX banks are XXXX of XXXX, IN. XXXX. Wich I have already filed a complaint with the OCC. the XXXX. they rewferd me too you. the other banking issue is with COMERICA BANK. which finances the debit card by DIRECT EXPRESS debit card program. XXXX XXXX XXXX XXXX, TX. XXXX. This is the XXXX I am wishing you will help me with now and I am mailing some papers.pertaining to this dipute which they refuse to honer their phone is XXXX dispute # XXXX I have done every thing they have asked even sent copies of pertinent paperwork by certified mail. they have always given me the runaround. even going as far as giving me a fax number which they said they did not receive. I faxed it again, all at my exspence. then when I called them again another representative on the phone said they do not accept faxes and that fax # is not used often and is more than likely thrown away. All this I beleive was to wear me down make me give up. and also to burn up the time ( 90 ) days I had to make my complaint. how can they make legal decisions like that when their is a warrant for the person I named in police report and the with drawls from account was made all in a short period of time ( 2 ) days I believe. I called XXXX they said they do not handle this and I would have to call number on back of card ( runaround again, wasting my time again ). please try and help. I am mailing some of the papers I have sent them certified mail but will send you any thing i can, that you may need. thank you again. XXXX, XXXX IN. XXXX cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 06/29/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

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 12-08-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Rewards

Complaint: Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!

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 06-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On  XXXX / XXXX / 17  I deposited a check at the  Chase  atm in my town and recieved notice dated  XXXX / XXXX /   17  that the paying bank could not find the checking account number and that the amount would be subtracted from my account & that I would be charged a {$12.00} returned-check fee. When I went into the bank they told me the problem was that the copy of the check was not good, so that the other bank could not read the numbers properly. I asked for the check back so that I could hand it in to the bank & was told that I could not have it. They told me to contact the person that wrote the check, which is not an option for me. I called the phone number listed on the noti ce mulitple times (  speaking with  XXXX  for  48 min utes and  XXXX  at my branch  - Chase would not give me their last names ) and was told they could not contact the other bank again, that I could not have the orginal check back & that I should contact the check writer. I can plainly see from the notice that the computer read the account number wrong. Since I deposited this check in a Chase atm and Chase is my bank, it should be their responsibility to either depost the check correctly, or give me the check back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # 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 I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. 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 10/16/2017 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: I contacted all 3 Credit Bureaus XXXX, XXXX and Equifax several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XX/XX/XXXX {$0.00} {$250.00} {$5400.00} XX/XX/XXXX REPOSSESSION {$510.00} XXXX XX/XX/XXXX {$4000.00} {$46.00} {$4600.00} XX/XX/XXXX CHARGE-OFF {$1500.00} XXXX XX/XX/XXXX {$3000.00} {$3600.00} {$3600.00} XX/XX/XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : MABT - RETAIL XXXX XXXX  XXXX XXXX, OR N/A N/A $ USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Debt collection (Payday loan debt) with Enova International, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I  pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (DE).
Issue: Managing the loan or lease

Complaint: I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.

Company response to consumer: Closed with explanation