milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in there system that violated the rights of their consumers under section 6. As a result, I have been gravely effected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
1. XXXX XXXX Inquiry XXXX XXXX, XXXX 2. XXXX Inquiry XXXX XXXX, XXXX 3. XXXX Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Inquiry XXXX XXXX, XXXX 5. XXXX XXXX Inquiry XXXX XXXX, XXXX 6. XXXX Inquiry XXXX XXXX, XXXX 7. XXXX XXXX Inquiry XXXX XXXX, XXXX 8. XXXX XXXX Inquiry XXXX XXXX, XXXX 9. XXXX Inquiry XXXX XXXX, XXXX 10. XXXX Inquiry XXXX XXXX, XXXX 11. XXXX XXXX Inquiry XXXX XXXX, XXXX 12. XXXX XXXX Inquiry XXXX XXXX, XXXX 13. XXXX XXXX Inquiry 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Two loans through Navient doubled due to accrued interest. Went from XXXX to XXXX. I 've asked for a lower payment, but I do n't meet the income continent plans. They do n't take into account other students loans, house payment, car payment, etc. They are rude, unwilling to help, and should be held accountable for misleading practices concerning accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Roycroft Management (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company XXXX submitted an illegal usury interest rate claim to these people that is called XXXX XXXX XXXX/XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am requesting an immediate stop any and all deductions from my checks in regards to wage garnishment. I was not properly notified and allotted the correct amount of time to put together a plan of repayment before deductions began based on XXXX Administrative wage, article ( e ) sections : 1, 2, 3. This is with regards to my Federal Date of order : XX/XX/XXXX Date mailed to employer : XX/XX/XXXX US Postage date : XX/XX/XXXX Date received : between : XX/XX/XXXX XX/XX/XXXX - Based on XXXX website : money was deducted from my wages on XX/XX/XXXX for {$65.00} This should not have happened this quick. Any further deductions should cease until further notice. I am in the process of having an attorney review this as well. I appreciate your help with this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been working on rehabilitation of my Great lakes Higher Education loan..they had a wage garnishment in place. I contacted them before they started to take the money out of my check and set up payment plan. They day they take money out of my personal checking account, they still took the money out of my check. which ( in an email i had that stated that should not have gone through. I am trying to pay it back but i can not have XXXX different deductions of 15 % each of my disposable income. I have XXXX children and if we will not survive. I am trying anything to prevent filing bankruptcy. Thats why i consolidated and putting together an affordable plan. but if they do not allow me proper time and work with me. Why am I expected to do the same and they have power to XXXX me out of my funds. Wage garnishment should be illegal, it forces people to quite their jobs and do illegal things, which could be prevented by not diving into someones pockets to ruin their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (FL).
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 check my credit scores via credit karma, XXXX XXXX and XXXX  have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and XXXX by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.

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 BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )

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 04/28/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collection for {$600.00} not aware of the debt and the company it was originally owed to. This XXXX continues to harsh by multiple phone calls. 

This debt has been on my report for a very long time affecting the report by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NE).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX  with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX  Credit Score and it was XXXX. 
I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. 
I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. 
The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. 
XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am filing a complaint with Transunion. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from transunion. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be 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 07-07-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I was approved for the Citibank XXXX credit card in XXXX 2015. The welcome bonus was a {$650.00} credit to be used toward purchasing a phone from XXXX after meeting minimum spending requirements. I did that, and also purchased a phone from XXXX using the special link provided by Citi. That was in XXXX 2015. The {$650.00} credit was supposed to post to my account within a few billing cycles, but never did. I contacted Citibank on numerous occasions, asking them to look into the missing credit. None of those attempts resulted in a positive outcome. 

I 'm attaching the corresponding billing statement. On XXXX/XXXX/2015 there is a transaction for {$810.00}, listed under " Promo Purchase-Offer. '' This is the purchase of the phone from XXXX that should have triggered the credit. All Citi has to do is verify this with the merchant, but they have been extremely unhelpful, even after numerous attempts on my part to resolve the issue. 

Thank you for looking into this. 

Best, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Unsolicited issuance of credit card

Complaint: I received a letter in the mail stating that I had applied for a card and I had NOT. I tried calling the bank and was put on hold for close to XXXX minutes after being passed around several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: Enclosed are detailed transactions from my bank statements and credit card accounts for my Infiniti Financial Services account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Infiniti Financial Services " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI).
Issue: Confusing or missing disclosures

Complaint: I sent {$550.00} to my sons 's fiance on X/XX/2017. The charge for this transfer was {$49.00}. I then had to cancel the transfer because her ID was expired and the local Money Gram rep would not allow the transfer. Money Gram no longer has the option to have someone answer a test question when ID is not available. I cancelled the transaction and detailed the purpose on their questionnaire was that I wanted to send the money to a different person. At no point during this time did any message or red flag come up on the screen to state their policy that it takes 3-10 business days to refund the money that has already been taken out of your bank account ( XXXX XXXX ). It was not until I began the XXXX  transaction that Money Gram was asking me for my debit card again. Since they had my money, and it was not automatically put back into my account, I called the Money Gram number and was told of the 3-10 business day delay. I elevated my concern to the next level and that agent said that they could not change the name that I was sending to and that I had to just wait for the 3-10 days until it went back through the banking system. She told me that Money Gram triggers this transaction quickly to refund but it is the bank that can take up to 3-10 business days until they get the money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (I do not know) with REGIONS FINANCIAL CORPORATION (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX Call said regions bank collection. I work for XXXX I do not owe a debt never applied for any loans within the regions bank. Consistently calls my parents house.

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 09/24/2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by 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 01-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.

Company response to consumer: Closed with explanation