milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding fraudulent accounts being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX XXXX showing up twice on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My federal student loans were transferred to FedLoan Servicing  XXXX / XXXX / 17 .  AES i s continuing to bill me for federal loans that they no longer service. Additionally, they are billing me for an amou nt three times  greater than m y IBR payment amount even though I submitted documentation to them twice proving my income. They continually say they did not receive my proof of income. I 've sent it twice and asked for confirmation both times but did not receive confirmation. They did not send me a notice that my IBR plan was expiring. My payments simply inc reased. They are now saying I owe more than {$400.00} because of THEIR mistakes and shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Central States Recovery, Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report for all three companies, I 'm in the process of purchasing a home. And I have this collection on my credit that is reporting inaccurately. 
First-I do n't know who this collection company is, i have never received paperwork from them. I tried to call them and I get push back, stating that the account is paid so I do n't need to worry about it. 
Second-it 's reporting differently on two credit reports-On XXXX XXXX, I get the full information regarding the account and on XXXX-I get very little. I do n't even get the company name on XXXX!! I have attach a copy of the collection summary for XXXX XXXX and for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.

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 09/24/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Transaction issue

Complaint: I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.

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 08/19/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/XXXX my XXXX XXXX XXXX son received a loan for XXXX on a 2011 dodge ram 1500 at XXXX XXXX XXXX in XXXX TX and it was financed through Chase Bank with no income verification and he was unemployed. This loan should never have been done. This was unfair and misleading lending practices. When he came home with a new vehicle I was in shock and immediately pushed him to get a job which enabled him to make XXXX payments and then he was again unemployed and in good faith he called to postpone a month of payments until he started working again. He postponed them through XXXX, which is the XXXX party vendor that was debiting his account. He thought this was enough as he had limited financial experience. To our dismay on XXXX/XXXX/XXXX Chase took the truck stating he was only XXXX payments behind. XXXX was holding on to XXXX payment to send to Chase and he was ready to make the next payment on XXXX/XXXX/XXXX and he would be caught up. Numerous calls were made to Chase to explain the unfortunate situation in which they offered no support. They entered into a loan unfairly and then decided to ruin a child 's future with bad credit instead of working with him to keep the vehicle and yes he was only XXXX payments behind to be caught up in 3 days. The only option Chase is giving now is to refinance the truck when we just want to keep and pay the loan directly to them, even offered a monthly auto debit from his account. Why would Chase take such a hard stance on a child when they should never have done the loan to begin with. On my end I taught my son a lesson and he is prepared to pay the vehicle on time every month and accept his responsibility and Chase will not give him the option. I work for another financial institution and 2 months behind is not enough to seize property. Seems to me Chase wants out of the loan that was done unfairly to over their end and I want them to admit the error and allow him to keep his vehicle and pay his debt. No one at Chase will budge or listen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MN).
Issue: Money was not available when promised

Complaint: Ebay has placed hold on my PayPal account and is preventing me from accessing my money from a sale I 've made. Upon speaking with a manager he said that ebay will never release my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.

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 Experian Information Solutions Inc. (GA).
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 am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

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 03/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Other fee

Complaint: Company name XXXX XXXX XXXX, XXXX Address : XXXX XXXX. XXXX, XXXX XXXX,, XXXX, OR XXXX aka Visa merchant XXXX and Visa merchant XXXX make unauthorized recurring charges. They do not respond to phone or email contact attempts. They do not obey Visa blocked charge initiations to the credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have an auto loan with Wells Fargo Dealer Services. Over the summer ( sometime between XXXX and XXXX ) my monthly payment jumped from {$440.00} to {$470.00} without notice. I called and inquired about the price jump, and was told that Wells Fargo Dealer Services did not have proof of insurance, so the extra fees were collateral protection insurance added to my vehicle. I have attempted, since XXXX, to update my proof of insurance, but have been stonewalled every time. Wells Fargo Dealer Services currently has no practical way for me to supply them with my proof of insurance, and subsequently they continue to charge me extra money while the matter goes unresolved. I have called them several times trying to fix the matter, but nothing ever gets corrected. I have sent my insurance info to them in the mail, on a fax machine number given to me by a representative and via online website and have had zero confirmation that they received it. I am aware there is a class action settlement against Wells Fargo Dealer Services for this exact same thing, and I believe that I am being affected by their practices.

Company response to consumer: Untimely response
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: After many attempts to resolve this issue, Experian and XXXX continues to report the following items : XXXX : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) Experian : XXXX XXXX CT IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...

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 04/14/2016 about Credit card () with JPMORGAN CHASE & CO. (ND).
Issue: Balance transfer

Complaint: I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: these people keep calling every day -- have a XXXX XXXX so not able to XXXX but XXXX the phone numbers they use from multiple states and they never use relay to call -- - the XXXX searches for phone numbers say rpm and receivables performance management from others complaining who they are so think this is their debt scam coming back for more tries at debt they completely made up and was disputed many times and each time they would just change who supposedly owe and try again and again and again and this fraud collection has a history of making things up and harassing people to pay debts they faked and will not leave me alone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX credit report and Transunion is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with XXXX over 15 times

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