milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Experian to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Experian and they ignored it.

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 05/17/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (AP).
Issue: Other fee

Complaint: I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.

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 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 3 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including XXXX, XXXX and XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my 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 09-03-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Managing the loan or lease

Complaint: I have had several auto loans with Bank of America, all paid on time and in good standing using their eBill auto-payment functionality. In XXXX of 2016, I logged into the BofA website and added an additional bank account to my profile that may be used for bill payment. I kept the original account on file, as this was tied to the auto-payment. Apparently, the addition of the bank account caused a failure in the XXXX auto-payment. I noticed on XXXX XXXX that the funds hand not been withdrawn from my account and logged in and manually paid the outstanding amount for XXXX and XXXX. The website shows the payments were accepted and the funds were withdrawn from my bank account. Between XXXX XXXX and XXXX XXXX I received 21 auto dialed calls. On none of which were messages left, nor was any email or mail sent to inform me of my late status. The calls were automatically blocked by the built in XXXX XXXX XXXX call protection service as spam/scam calls. I 'm filing this complaint because they are clearly harassing myself and others. When I noticed the number in my call protection logs, I called them on XXXX XXXX and they stated they did not show my payment as being applied, even though the funds were already taken out of my account. I was told the calls would continue until the payment was posted. I do n't think it should be possible to take someone 's funds and continue to harass the borrower. I have a credit score of XXXX and have never missed a payment with BofA until their technical failure caused XXXX 's issue. I remedied the situation within 30 days and did n't even request or receive credit for the late fees applied. Clearly, their automated processes lack oversight, timeliness, and reliability. This type of irresponsible harassment should not be something borrowers should have to experience.

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 09/17/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I need the fraud alert removed. It 's okay now.

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 10-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.

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 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Asset Management (Texas) (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this they never provide proof when requested keeps putting this on my credit report

Company response to consumer: Untimely response
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I consolidated my loans several years ago after threats because I could n't pay my loans. I have been paying for years, first XXXX then Navient. I recently requested a breakdown of my debt. On the national student loan database, there are loans I can not account for and wanted to know where they came from. Navient directed me to student loans.gov, who told me my serviced ( Navient ) should have my paperwork to verify my loans. Repeated requests to provide that have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I received a loan in XXXX for school. I started paying the loan back in XXXX. I have paid approximately {$60.00} twice a month since then. I started receiving emails a couple of years ago from Navient stating that I was behind on payments. When I called and spoke with someone they said that my payments were n't being received and had me update the billing address and that they payments would be put onto the right account. Last year I received another call that my payments were behind and I needed to catch up. I was offered a forbearance which I accepted not realizing what capitalized interest was but continued making my {$120.00} payment through the forbearance. I received another call this month and finally spoke to two different people on XX/XX/XXXX who informed me that I have two loans with the same account number but different pay to addresses. Because of this payments were only being made to the Navient account and that is why they had been hitting my credit score and charging me capitalized interest and late fees. So now it 's been 5 years and I owe more now than what I borrowed. This conversation today informed me that I could consolidate or file for an income based repayment option. I also believe they raised my interest rate without informing me. 
They would n't help me by removing late fees or removing any of the capitalized interest from the forbearance even though I paid through them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with REGIONS FINANCIAL CORPORATION (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, I bought new furniture at XXXX XXXX in XXXX, Texas. I used their financial promotion no interest rate if paid in full in 24 months, they use Synchrony Financial. Around XXXX XXXX, 2015, I started to receiving calls from Synchrony when I was at work, they first called like around XXXX XXXX then every three hours after that, they kept calling for three days until I returned the call, I was told my payment was late, I told them I have not received my first bill yet, I gave them my mailing address and I was told I was going to get my first bill next month, Synchrony employee wrote a statement in the system explaining my situation about the billing. I month passed by and they started to call again like 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I let them keep calling for like a week so for a whole week they kept calling 5 to 8 times a day from XXXX XXXX to XXXX XXXX. I returned the call and they told me by payment was late, I told them I have not received my first bill yet, this time they did n't care they kept asking for {$190.00} payment due. I told them this was an error on them, I gave my mailing address again but this time I repeated it to them for 3 to 5 times, I felt like I was doing their job just to have the correct address so I can get my first bill on time. Finally, I got my first bill on XX/XX/XXXX so I 'm filing this complaint to get {$190.00} to {$2500.00} back from them because this an error from them, they kept wasting my time, and my credit score went down thanks to them. Attach are copies of their bills I did n't get on time because they had the wrong address. Also, attach is a copy of my sales order from XXXX XXXX with my correct address. I hope you can help me and protect others from companies trying to play dumb in order to make more money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?

Company response to consumer: Closed with explanation