milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with Transunion. After speaking with Transunion, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.

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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS

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 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, 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 non-monetary relief
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

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 05-05-2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX of XXXX, I made an international wire transfer through JP Morgan Chase Bank with an assumption that wire would be processed smoothly and successfully. But XXXX of XXXX, I told by the beneficiary that they have never received the wire. Upon my finding, I started my investigation with JP Morgan Wire Department. Then I was transferred to JP Morgan Foreign Exchange Department where I was told that JP Morgan used its intermediate bank to transfer the wire to the beneficiary account. My persistent communication with JP Morgan Foreign Exchange office for about two months finally helped me getting a reply from intermediate bank saying that " the amount was settled in the form of check as of XXXX XXXX, XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have called multiple times concerning my current loan repayment plans. They gave me listed as four months in delinquency ( which I am not, even according to their documents ), and when I ask them why, they tell me that they are not sure. When I ask for more info, we get " disconnected ''. I keep calling and nothing gets solved. My payments are showing as being credited to the right accounts, but when I call, I get different answers. I have been told four different amounts due today by four different representatives. They told me once today that I needed to lay over the phone a different amount, and I did, but apparently they credited the wrong account. Now I have to pay more. I need help please!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TN).
Issue: Struggling to pay mortgage

Complaint: I have been trying to ge t U.S  Bank to give me a payment that is in my price range, so that I can keep my home. I am retired and every time I do a loan modification for my home, the payments seem to get higher and higher. I am retired with a fixed income and there is no way I would be able to pay what they are telling me I have to pay to keep my home from being foreclosed. I have been doing this process since   XXXX   and it does not seem like we are getting anywhere. I feel like this company is prejudice and discriminating against me. I have been trying to work with them but they just do not want to hear it. They rather see me outside and no where to stay then give me an modification for a payment that I can make.

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 04/24/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I call ed Capital One 360 as the y instructed. They have locked me out of my funds. So when I called, they refused to help me! My son h ad a Capital One 360 acco unt in the past. I live with my son and so we have the same address, phone number, etc. We also sound alike. Because of this, they say that they do n't believe who I say I am even though I answered their security questions. They claim they listened to old conversations of my son and I sound like him. Well, there are old conversations of me on file and I bet that I sound like me but they never mentioned that. They just hung up on me. I just want my $ 400+ dollars out of that account so I can be done with these  XXXX ! There 's nothing I can do about the way my voice sounds!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Vehicle lease) with AC Autopay, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I want to file a complain, against AC Auto pay. I least a vehicle with this company in the past.. 
Back in XX/XX/XXXX I decided to terminated my lease and return the vehicle. At the time I only owed {$7000.00} on the vehicle. This lease was a option to buy at the end of the lease. And so every month when I make a payment. Money was put a side to buy the vehicle. At the time when I return the vehicle I have {$3000.00} save to but this vehicle. AC Auto pay sell this vehicle and put on my credit report that I owed {$5400.00} dollars. Which is wrong. 
Today I call and trying to settle this account. The representative and I came to a settlement of {$3500.00}. We divided it up into XXXX payment XXXX payment on XX/XX/XXXX XXXX payment on XX/XX/XXXX and the XXXX payment on XX/XX/XXXX I tell the representative that I need something in writing that we settle fro this amount plus I will not make any payment before this letter. She said If I do n't give her my checking account are credit cared this offer is null and void and so she hang-up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with Credit Karma, Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX Accounts Closed reporting by Credit Karma for XXXX and XXXX Credit Bureaus. I need clarifications of why/how this continues to reports ; if I did n't request closure? In fact ; all of the merchants were paid off in full..I HAVE CONTACTED ALL MERCHANTS. The response is that they have to report this way. My credit score decreased by XXXX points instead of increasing ... I am debt free with the exception of our Real Estate loan.. Merchants should not be allowed to report an Account closed unless the consumer has requested ... Additionally this also impacts History/Length of time an Account has been opened and Credit score is decreased again ; according to information received from Credit Karma ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

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 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have tried multiple times to get my brother taken off as cosigner for my loan. I make XXXX a year and have not made late payments in awhile, and was basically berated when I told them I could n't afford payments in the past ( right after I left college ). I have submitted the forms multiple times to remove my brother as cosigner, including getting my official and unofficial transcripts, and very thoroughly filling out the forms. I 'm sick of being jerked around by Navient and been treated like a child by their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Como Law Firm P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. s 1681.  XXXX XXXX XXXX # XXXX, XXXXl 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, Experian results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.

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 12/23/2015 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (UT).
Issue: Managing the loan or lease

Complaint: Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Chase closed my business checking account without even notify me. No email, no letter, no phone call, XXXX. Just one day, poof! my account was gone! I discovered that when I wanted to deposit a check to my account, and the account disappeared. I called Chase, they told me because they charged {$15.00} per month when my biz account balance is below {$1500.00} for the past 8 months. The account went to negative and they closed it! 
One would think at least a courtesy email should be sent to customer to inform them the situation. Not just simply close the account silently!!! That 's just WRONG! Not the mention they charge so much, {$15.00} per month, because the account did n't have the minimum balance!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with BMW Financial Services NA, LLC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.

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