milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Managing the loan or lease

Complaint: Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Confusing or missing disclosures

Complaint: Bank of America is taking my funds from my account for an issue I have a receipt. They told me the receipt is not valid, even tho they submitted the information

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 11-11-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: There was a charge on the credit card from our wedding. The company messed up on multiple issues and double charged for rooms and billed for services that were not delivered. We initiated a dispute and there was a credit and then chase asked us for supporting documentation which was presented. We did not hear from the rep and we do not know what specific information is needed to confirm a dispute. But after 3 months of waiting I was advised they are not ruling in favor because the company stands by their charges. I do not understand how there is not any transparency on what is required by the consumer to prove that a company lied and billed for services that were not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (CA).
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: on XX/XX/XXXX my XXXX account was send to collection with a balance of XXXX dlls that was how much the company was charging me alleging I did n't return a cable box, wich I did, when I hire XXXX as my cable provider they sent me a total of 4 boxes on the mail to connect myself, but one of them did n't work and I went to my local XXXX office to exchange it and they did, but what they did n't do was to record that I was actually returning a box, when I cancelled my service I had to return 4 boxes but they were saying it was a total of 5 boxes I did n't pay then, and they put me on collection after a few years on XX/XX/XXXX, I went ahead and pay the debt, that 's ok, but that 's not my complaint, my complaint its about the collection agency not deleting the record of the debt so my credit scores can go higher, the name of the company is XXXX XXXX XXXX.i called them several times asking if they can do it but my answer is always no, Hopefully you can help me and so I can be able to bring my credit scores higher. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Auto) with JPMORGAN CHASE & CO. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I Have been getting repeated calls from Chase auto loans at my work number for several weeks. If I pick up the phone, they hang up. If I do n't pick up, they let the phone ring. I know it is Chase auto loans because they have left several recorded messages as well. I do not have a loan with Chase auto. I have never had an auto loan in my life. Clearly they are trying to reach someone else - they never say who the call is for in their recorded messages. The number one of the callers has used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: On XXXX XXXX, 2017 around XXXX XXXX to XXXX XXXX or so I was at a XXXX XXXX Drive through ATM at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I attempted to withdraw {$80.00} from my Bluebird Debit Card ending in XXXX at this ATM. The ATM declined my transaction several times. On the first decline, it said " processing transaction '' for a long time. Then it said the transaction could not be processed. I switched to my XXXX Debit Card ending in XXXX and the ATM ate my card and the keypad did not work. I kept tapping the touchscreen and it released my card. I attempted the transaction again and it was successful on my XXXX ATM card. So the transaction was not successful with my Bluebird Debit Card but successful on my XXXX ATM Card. The problem is when I got home I was charged an {$80.00} withdrawal on both of my cards. I went into the bank around XXXX on XXXX XXXX, 2017 and I told them the issue. I also told them that Bluebird said it will take 45 days to complete the investigation. I asked them to go through the ATM footage to speed up the process. They admitted they have been having multiple issues with their ATM but due to regulations I would have to go through the disputes process with Bluebird. Bluebird completed their investigation and said they could not refund the charge because XXXX XXXX  told them the transaction was successful. I asked them for documents they used to make their decision. I want XXXX XXXX to go through their ATM footage and ATM logs so they can see the transaction never took place. <P/>I am reporting this to you because this is theft and I am considering legal action against XXXX XXXX. I am just waiting for Bluebird to send the appropriate documents. I am also writing this in an attempt to protect other consumers that use this ATM. The bank acknowledged that many customers have had issues with their ATM, yet they allow it to function and continue stealing other people 's hard earned money. This is not a vending machine stealing a quarter or two, this is an ATM stealing people 's livelihood. They need to repair this ATM and stop allowing it to function without appropriate repairs. They also need to stop defrauding consumers with this ATM. <P/>I received an update from XXXX on XX/XX/XXXX stating that I am correct that the ATM never dispensed any funds. They sent me evidence which I have attached to this email. They also said they have no records of Bluebird contacting them. So BlueBird lied to me when they said they closed the dispute after they contacted XXXX. XXXX XXXX has denied this claim by Bluebird. XXXX XXXX also agrees with me that their ATM did not dispense any funds, yet Bluebird still charged me for the withdrawal. XXXX XXXX has provided evidence which I have attached to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
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: Experian continues to report fraud accounts after my numerous disputes with them and the creditors and all experian says the information is correct and verfied to me because my name and addrs and personal information was used to obtain these fraud accounts for  XXXX  #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX   XXXX  #  XXXX  and   XXXX   XXXX   XXXX   XXXX   #  XXXX  experian has dont nothing to resolve the matter after years of disputes with them and their lack and neglect on preventing fraud resolution.

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 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield is trying to collect {$150.00} for carpet replacement. I have asked Hunter Warfield to abide by the Texas law which states, " The landlord may not charge you for normal wear and tear on the premises and may only charge for actual abnormal damage. '' My use of the carpet did not go beyond normal wear and tear. 

I have disputed the validity of this collection several times, Hunter Warfield was unable to provide any proof such as pictures. The XXXX XXXX no longer owns XXXX XXXX XXXX. 

To this date, the collection remains on my credit report, and Hunter Warfield refuses to delete the account from my credit report, despite several goodwill efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (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 complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Bank of America, account number XXXX ; 2. ) Bank of America, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient pushed me to drop my income based repayment in favor of their forbarence plan as ND mt payments tripled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.

Company response to consumer: Closed
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.

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 07/14/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I pulled my credit report on   XX/XX/XXXX     and noticed that  CMRE Finance  had reported to the  Credit Companys an account for {$120.00}. According to the Credit report  XXXX , it had been opene d on   XX/XX/XXXX    . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated  XX/XX/XXXX    .  <P/> I immediately certified a letter to CMRE dated   XX/XX/XXXX     requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe.  <P/> On   XX/XX/XXXX  , I received a letter dated  XX/XX/XXXX   from  CRME Finance  that included  4  pages ( see attached ) that shows  4  different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Consumer Loan (Vehicle loan) with FIRST HAWAIIAN, INC. (HI).
Issue: Taking out the loan or lease

Complaint: We took out a loan with First Hawaiian Bank for 36 months. Because we paid monthly onetime periodically we were offered a deferred payment option as a gift for paying on time. Particularly this was given around XXXX. This was promoted as a good opportunity for the customer but as it turned out this was a tactic for the bank to charge us another year of payments and thereby charge another $ XXXX thereafter because they charged interest everyday on the balance when deferment was offered. This is a deceptive business practice whereby the bank gives the impression the payment will be collected at the end of the 36 months when in all actuality they are charging interest daily which means the customer ultimately pays XXXX the cost of the original loan. This is a unethical business practice whereby the bank can extort extra charges, interest and fees against customers with a good payment history. This is very deceptive how the calculate the added interest opposed to added the deferred payment to the end which already includes the interest when the payment would have been paid. Shame on FHB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection is continuing to collect a debt with an erroneous balance and fraudulent charges. I 've continued to requested a detail statement of all principal charges and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.

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 08-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.

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