milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is stressing me out. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

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 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 Transunion had removed the following items from my credit report : A collection account from XXXX {$230.00} Inquiries from : XXXX No proper notification of the deleted information being reinserted was provided and per the laws that protect me as a consumer this is a blatant violation and I demand that the items swiftly be removed from my credit report and all adverse effects to my credit history be remedied immediately.

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 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I live in South Florida and was in a shelter and went without work and pay for two weeks due to Hurricane Irma. All my creditors are deferring at least one month 's payment except Capital One. I have no way of making my payment because I just began work and I am behind on my utilities and I might have trouble with rent and car payment. I called Capital One and asked if they would defer my XXXX payment. They refused. They only said they would not charge me a late fee. I begged them to help me, but they refused. I am living in a county that has been declared a federal disaster area.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Cash advance fee

Complaint: There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On all XXXX credit bureaus reports I have fair credit because they state I do not have a long enough credit history. They have left off one of my credit cards, XXXX XXXX, which I have had since 1993. Would definitely bring my average credit history up.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with First National Collection Bureau, Inc. (CA).
Issue: Credit card protection / Debt protection

Complaint: I received a collection letter from First National Collection Bureau XXXX Inc for {$940.00} for creditor XXXX XXXX XXXX, original creditor XXXX XXXX Bank, N.A./. 
This is a false debt so i called them to dispute it. 
The first person I talked to claimed it was a credit card between XXXX and no other information was available. After a brief discussion I explained how this was not a valid debt ( the last credit card i owned was around XX/XX/XXXX ) and she said to send her that info in writing. I hung up and after doing some research on the company I found out they have an unsavory reputation preying on expired SOL ( statue of limitations ) debt. I called back hoping that I could stop any more badgering by pointing that out. The next person I talked to gave me more information about the account ( meaning the other person lied about no other information being available ) and told me that a SOL did not matter with their company. I told her that was inaccurate and that the FTC states one can not be sued for debt out side that SOL. She claimed that was innacurate information and they were a private entity. I asked her if her company was above the FTC. She said no but that info was wrong. Furthermore, she told me the account had been closed by the previous rep but she would reopen again it due to my verbal complaint which sounded like a threat! In the end they ended up being unprofessional, manipulative, and liars. I am sending them a cease and desist letter and I hope that is the last I hear from 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 06/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.

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 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion XXXX ; Account Number ( XXXX ), Name ( XXXX Hospital ), Amount ( {$340.00} ) -- -- This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and XXXX, collecting for a capital one credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called XXXX to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.

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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account from XXXX XXXX does not and should not have any delinquencies, i have already submitted the letter from the creditor itself to all three major credit bureaus, experian and XXXX have not removed this inaccuracy yet, please find attached the creditors letter for which they have approved of doing so. 
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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: santander consumer usa is reporting a closed account as open the account is a old account and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refuses to provide me with a credit report online after being denied credit. I called an Equifax agent and had to ask for a supervisor and they told me I could buy it but not have it for free. They would not allow me to view my report online and XXXX allowed me to view mine after providing proof over the phone of my identity. There is no reason why Equifax can not do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to consolidate my loans to enter an income based repayment plan. However, the National Student Loan Database ca n't find my loans. We *think* this is because my information has not been corrected since I got married and changed my name ( 8 years ago ). For months I have been fervently trying to correct this, but NSLDS keeps sending me back to my servicer ( who swears up and down my name has been changed ) who keeps sending me back to NSLDS ( who swears up and down the information is still incorrect ). I 'm so frustrated I want to cry. 

Also, my servicer, without any prompting on my part or any clear reason why, suddenly changed my loan with only 8-years left of payments on it to a new 20 year term. I only received a generic form letter telling me my loan terms had changed with absolutely no explanation as to why this had happened. When I called my servicer I had to try XXXX different representatives before I finally found one who could vaguely explain the issue. ( Apparently they did a review and discovered that my I unsubsidized loan and my subsidized loan had different terms, so that triggered some sort of reset ). These types of things make me very nervous. Federal loans are complicated enough as they are. How can I trust that my loans are being handled properly?

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a private navient loan in default which I settled in full last month ; however, this is not updated on the navient web portal, and it is not updated on my credit report either. Upon calling Navient multiple times, the reps always say its the wrong department before finally transferring me to a number that I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Based on the following Washington XXXX XXXX I attempted to open an online checking account with CapitalOne 360 : Capital One to stop using program to weed out customers with history of account overdrafts By XXXX XXXX XXXX XXXX, 2014 Capital One Financial said Monday that it will no longer use a popular screening program to weed out potential customers with a history of overdrawing their accounts, an industry-wide practice that has pushed thousands of people out of the banking system. 
Unfortunately, after providing some basic info to the CapitalOne site, I received the following message : Looks like we could n't open your account. 
Be on the lookout soon for an email with more details. 
We know this is n't the news you were hoping for. We declined your application based on information we received from XXXX a consumer reporting agency. We 'll send you an email shortly with more info. If you have questions in the meantime, you can contact XXXX at XXXX or XXXX a new window. 
It appears that CapitalOne is still denying applicants based on XXXX and I wish to file a formal complaint for non-compliance by CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have previously disputed the response from experian but i happened to notice on rereading it they say a creditor can report on an account from the filing date to the discharge date.This has been proved wrong by case law and a ruling against them in particular.In white vs experian they were ordered by the judge as to how to mark these accounts.Also when you file bankruptcy the automatic stay goes into effect immediately and any credit account no longer has a specific payment date.The plan in a chapter XXXX sets the date and whether a creditor or a cras agreement is irrelevant.This once again proves this enterprise needs to be run by a government agency and not be a privately held company.I will be writing my congressman and my ag about these very things.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Discover Card repre sentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and  have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with  Discover  back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after th e phone3 ca ll today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by   XXXX   to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent the letter below to the creditor over a month ago with and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX/XXXX/XXXX To : CHASE CARD XXXX. XXXX XXXX XXXX, DE XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

CHASE CARD, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for CHASE CARD to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate, and original copy of documentation with my wet ink signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX Executor of the Estate

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: equifax refuses to remove student loan services ( XXXX, us department of education and XXXX ) from negitive accounts on my credit report. after numerious dispute attempts and supporive documentation provided that all of my student loans are in defferment. equifax has also refused to remove XXXX and XXXX XXXX from negitive accounts as requested and have placed all other accounts in closed accounts after providing chapter XXXX bankruptcy discharge documentation.

Company response to consumer: Closed with explanation