milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/2016 at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX 2016. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Address of credit bureaus Experian XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

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 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # 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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i did not authorize this inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with Cottonwood Financial Ltd. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Its an automated system and they call the place I use to work. It is constant.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Student loan (Private student loan) with Experian Information Solutions Inc. (MA).
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: I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: no data for XXXX thru XXXX..What happen between XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with GATEWAY MORTGAGE GROUP, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.

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 Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion has erroneously deleted my entire credit history and although Transunion has on several occasions said the matter would be resolved within 2-3 business days or 3-5 business days ( depending on which representative I spoke to ), the matter still is not resolved over one month later. I was pressured into purchasing their credit monitoring program which I continue to pay for although my credit score and credit history remains inaccurate over 30 days later. I was told to fax a copy of my license, social security card and utility bill and that the credit information would be immediately re-entered by the " special handling department/maintenance department '' no later than 2-3 business days. This was over two weeks ago! The last person I spoke with was the supervisor is said that although Transunion promises a quick resolution, the process of re-entering is a timely XXXX and that I just need to give them time. Unfortunately, I do not feel this response is adequate. It is disheartening to know that a company such as Transunion that is trusted with being the record keeper of such critical information is unable to accurately maintain said records. Their behavior is unconscionable, consumers are held at their mercy, our livelihood often depends on credit and unfortunately we do not have the ability to wait several months for Transunion to rectify their erroneous credit reporting. Any assistance in having my credit history accurately restored would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Payday loan () with Platinum Finance Company, LLC (KS).
Issue: Can't contact lender

Complaint: Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is on behalf of our client regarding their mortgage with Citi. We are the XXXX XXXX of XXXX XXXX assisting our client with their mortgage issue. We 've been trying to obtain vital information pertaining to their loan. A full modification package was submitted with hopes of an update. The account manager was reassigned to a XXXX XXXX at Citi Mortgage XX/XX/XXXX. Since that transfer, we have no been able to get any updates for the modification application that submitted for review. By now the document will have to be resubmitted again- another delay tactic from Citi and it 's employees. XXXX XXXX called our office maybe three, four times tops and sent random emails advising he called and I schedule an appointment to speak with. This is beyond exasperating, time consuming a violation out of CFPB guildelines, TILA guidelines and Regulations X and Y. It is impossible to get an representative who cares enough to go deeper into the file and inform us on the status review. To make matters worse, we had to resubmit the authorization countless times before to Citi when one was already issued and a confirmation of receipt was acknowledgement. What is going on here? Our client is only trying to make amends with the mortgage company but there seems to be unreliable and uncaring representatives handling this file. Once the authorization and cease and desist was provided ( again ) XXXX XXXX sent an email advising he will reach out the borrower instead of the firm. XXXX XXXX will make no attempt to call our office unless he receives a message advising him to return the call. 
How long will this " review '' take before we are provided with a response? This file has been going through the ringer since XX/XX/XXXX. What next, foreclosure? Please have this file reassigned to another representative immediately. We no longer want XXXX XXXX or his manager assigned to his file. There 's only so many emails and messages you can leave a representative and his manager. We can not provide our client any reassurance or creditable updates on their case. If possible, I am requesting to have XXXX XXXX reassigned to this case.

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest offer.

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 12/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed Jc Penney Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with I.C. System, Inc. (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.

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