milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX, I terminated my agreement with XXXX, after switching to XXXX XXXX, and returned the converter box. XXXX claimed I never returned it, and demanded payment, which I refused to make. XXXX then reported me to a collection agency, XXXX, which reported me to all XXXX credit bureaus. I had a house fire which destroyed my receipt for returning the converter box, so I decided to wait 7 years for it to fall off my report instead of paying what I did not owe. In XX/XX/XXXX, Stellar Recovery re-aged the information, and it is still on my credit report. I filed disputes with all XXXX credit reporting agencies about 2 months ago. XXXX and XXXX removed the item from my credit report. Transunion, however, kept it on my report, noting that I am disputing the information, but that it meets FCRA requirements. What I am looking for here is twofold. 1 ) To have this information, which has been falsified, removed from my report, and 2 ) For whoever is responsible for falsifying the information to face sanctions, including criminal penalties, if applicable.

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 07/18/2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to validate the debt to Systematic National on 3 occasions. One on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have not received any validation of the debt or response within timeframe. I spoke with a rep from Systematic today who stated he does not have any proof of the debt and to contact the original creditor which is   XXXX   XXXX   XXXX   XXXX  . I called   XXXX   XXXX    and was told that the debt is with the collection agency so I have to communicate with them for everything. I called the guy back and he stated again that even though they are the ones collecting the debt they do not have the validation of the account. This is illegal and should not be reporting to   XXXX   XXXX   or to the credit agency 's. This debt can not be validated as mine and they are not cooperating with my request for verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested validation and nothing has been received and it has been some time. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

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 05-02-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I paid off a card that I had gotten from the retail store. They added an extra fee to the account after I had paid the account. I called and spoke to a representative and they stated the fee would be removed. However, the fee remained. I called back again and the second representative removed the balance. It is also showing that there is a period where I missed a payment XX/XX/XXXX when that is not the case. I have called and spoken to two representatives so far.

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 10/16/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On  XXXX  I made a purchase at Best Buy using my Best Buy Credit Card. At the time of purchase I stated to the store rep. to place part of the purchase on my best buy credit card for 24 month  XXXX  interest financing and the remainder on a debit card.     The transaction showed approved for {$1500.00} on the Best Buy Card. I asked and confirm if this was a credit limit increase as my credit limit was {$1500.00} and approximately {$1000.00}. Best Buy Store said yes. The remainder of the purchase was purchased with debit card. I made the purchase. There was no  Truth in Lending  or Fair Credit Reporting act documentation.     After receiving the bill/statement I was shown that I was {$590.00} over my credit limit which decreases  my credit score and  puts me in jeopardy of losing my special financing.     I asked Best Buy Credit Card managed/owned by   Citibank to increase my credit limit to the total balance amount of {$2000.00} and they refused.
This is a violation of my rights under both Truth and Lending and Fair Credit Reporting Act. Please have Best Buy Credit Card managed/owned by Citibank increase the credit limit without application for credit as this was approved without application for credit    increase.

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 (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have attempted to contact my servicer of my student loan, Navient, several times over the last 2 years regarding changes to my monthly payment. Periodically, the payment will decrease but I noticed when it does the principal starts to increase and I never can get ahead. I was encouraged by a Navient agent to utilize forbearance at one point when I was having financial difficultie. I then took out additional loans for XXXX school, some in excess of what I needed at the encouragement of both the school and Navient. When repayment began the payments were exorbitant and I was told repeatedly and sometimes with belligerence that I was not a candidate for income repayment. We have, however, not missed a payment since repayment began, but the changing monthly payments are making it so that the loan will never be paid off. I do n't know how much longer this can go on before we too default.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a Credit Card with USAA, opened  XXXX   XXXX ,  XXXX  with a credit limit of {$13000.00}.   My balance is {$12000.00} I have made all my payments timely and violated no policies with USAA.   I have over 30 years credit history NEVER EVER missing a payment on any account i have ever had.   However, USAA lowered my credit limit from {$13000.00} to {$7600.00}, placing my account more than {$4500.00} over the credit limit This action has caused my  credit score  to drop dramatically by more than  XXXX  points This action also forces me to pay well over the average daily balance percentage agreed to in my contract with USAA.   USAA 's action has caused my " credit to Ratio '' to increase above 63 % This was a calculated action by USAA and I believe I will be able to prove USAA took this action for discriminatory purposes.   As a result of USAA 's unlawful actions, my C.L.U.E  XXXX  report score decreased causing all my insurance rates to go higher.   As of  XXXX   XXXX ,  XXXX   USAA  has NOT provided any notice to inform me of this action or the reasons for reducing my credit limit. No email, no phone call, no message through  USAA  's message portal and no letter via USPS.   below is a federal policy which regulates this issue, there are others with respect to average monthly payments and lowering credit limits below the card balance.      15 U.S.C. 1691   ( d ) ( 1  ). If the action taken by the creditor is adverse, which includes the " denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, '' the ECOA and its implementing regulation, known as  Regulation B,  require the creditor to send a written notice to the applicant.   15 U.S.C. 1691 ( d ) ( 6 ) ; 12 C.F.R. 202.9 ( a ) ( 1 ) ( iii ).
Regulation B specifies that the written notice must contain ( 1 ) a statement of the action taken ; ( 2 )  the name and address of the creditor ; ( 3 ) a statement of the anti-discrimination provision codified in 701 ( a ) of the ECOA ; ( 4 ) the name and address of the federal agency that administers compliance concerning the creditor ; and ( 5 ) a statement of specific reasons for the action taken. 12 C.F.R. 202.9 ( a ) ( 2 ). The statement of reasons " must be specific and indicate the principal reason ( s ) for the adverse action. '' 12 C.F.R. 202.9 ( b ) ( 2 ) " Statements that th  e adverse action was based on the creditor 's internal standards or policies or that the applicant... failed to achieve a qualifying score on the creditor 's credit scoring system ARE INSUFFICIENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit

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 10-12-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian, XXXX and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.

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 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with ProCollect, 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 noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROCOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX is on my Transunion report unauthorized use of name and account unknown I want verification of debt and I want original proof provided

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.

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