milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to this company on 2 instances in XX/XX/XXXXwithout resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled on XX/XX/18.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried calling, via certified mail and get no response other then a standard auto reply! It wasnt a signature showing I requested the inquiries on my TransUnion report! XXXX  and XXXX have deleted ALL inquires! Still I had no SIGNTURE showing proof my next step is to sue!

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: According to the letters that Chase has sent out, they closed my account on XXXX/XXXX/XXXX, after reviewing an application submitted for the XXXX credit card product. I spoke with a lending team member on XXXX/XXXX/XXXX. The representative informed me that she was not willing to reinstate my accounts for having too many accounts and that I was not putting charges on their cards with annual fees. I was extremely confused, and felt unfairly treated ; my FICO score is higher than XXXX, I have never defaulted on a payment, and I paid the annual fees for the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX   XXXX , offered my family and I a smart option loan  in 2009 that we have  been paying on since the month after we were approved for it. We have been paying on this " low interest '' loan for the last 8 years and my principal has only gone down {$350.00}. The loan was to pay off all the interest while I was in school, and then after I graduated, the payments would go towards the principal. However as I keep checking my balance, it does not go down ... I continually accrue late fees, and my consigner is harassed. He was  receiving 5-10 calls a day, stating I was not paying and he would be aff ected. However, I was on a set payment plan where the money was taken directly from my bank account every other week. The options for me to actually get this loan paid off are slim to none. The amount I 've paid in the last 8 years, every other month, equals about the principal that I borrowed in the first place, yet less than {$400.00} has come off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My ATM card was stolen and several unauthorized transactions appeared on my account. XXXX XXXX has denied my claim. They have n't even investigated. If they had, they would know that I did n't make these transactions. Also, they did n't even include all of the unauthorized transactions in my claim. They only included 2 ATM transactions and one debit card transaction. There were several others.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid this off for a pay to delete. Late payments are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Our state put a tax lien on our credit report, however the tax issued resolved and they a issued us a Judgment satisfied letter, which we sent to all XXXX credit bureau -- XXXX and XXXX both accepted. However when I contacted Equifax I was told my judgment satisfied letter we sent, was not for my tax lien, I try to explain this to the representative and her supervisor and i asked to speak with their manager which never got on the phone, they would not accept the letter I mailed to them. I tried explaining and asking them to look at the totals on my credit report and the letter sent from the Division of Revenue, i was told they had and they are not the same judgments???????.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with Keynote Consulting, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was satisfied but, the collector has failed to update in XXXX report and further failed to provide his name. When contacted about this issue on XXXX/XXXX/2015 at XXXX, the collector failed to acknowledge it and stated " its not his job to update it ''. Further, I stated that I will get in contact with " CFPB '' about this issue and he said do whatever you need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Payday loan () with Risecredit, LLC ().
Issue: Can't contact lender

Complaint: Despite my repeated requests for them to desist, RISE Credit persistently email me with offers of loans which I do not want and for which I do not qualify. I am a XXXX XXXX, living in the XXXX and ineligible for a short-term US dollar loan from a company in Texas. Despite pointing this out to them, they persist in filling may inbox with daily offers of loans.

Company response to consumer: Closed
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these accounts nor did i use them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XXXX the XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.

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 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AMRON PROFESSIONAL SERVICES (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My information was compromised on a XXXX government job website XXXX years ago. Since then I been receiving non stop calls about debts that I owe. But I do n't owe anything. They wo n't stop calling. They state that they are going to turn it over to the state attorney, and I am going to be locked up. They call all my family members, harassing them. I have yet to see anything officially in writing by certified mail. They call me from XXXX, XXXX, XXXX XXXX, XXXX, if not these number change with an automated message. APS is the collection agency I guess. XXXX that calls in regards to account # XXXX. Account number has been associated with a couple of these numbers but different voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Auto debt) with CCS Financial Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter from Credit Collection Services for an auto insurance debt with XXXX XXXX. I explained to both Credit Collection Services & XXXX that this was not my debt, I had no knowledge of this, nor did I consent to be added to this insurance policy. I also explained that this was my soon to be ex-husband 's debt & we are going through a divorce. I explained that we have been separated and living apart for more than a year & we have two separate addresses ( two separate states ). I followed up the phone call with a letter on XXXX XXXX, 2017. This issue is still unresolved and XXXX continues to try to collect money for this debt from me. I have also reported this incident to the XXXX County Sheriff 's office in XXXX MD who told me that there was nothing they could do. They also told me " this is a civil matter and that its not against the law to use a spouse 's information to get credit or open accounts without their consent ''. This is not only affecting my credit but putting my job ( security clearance ) in jeopardy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: A person calling himself XXXX XXXX posed as a Ditech Mortgage Representative. He contacted me by telephone on Wednesday XXXX XXXX, XXXX at XXXX XXXX. Per my caller ID he called from XXXX and left a voice mail for me to return his call at XXXX XXXX XXXX XXXX if I was interested in saving my home. I contacted XXXX XXXX on the direct line he provided and negotiated an amount of {$500.00} to be paid that day and an additional {$800.00} to be paid on Friday XXXX XXXX, XXXX. What seemed odd was the method of payment. It was required that I purchase a prepaid debit card in the amount of {$500.00} from XXXX, call XXXX XXXX with the account number, CVV number and date of expiration. I felt weird about this all night. I contacted Ditech customer service at XXXX XXXX XXXX XXXX before completing the second transaction on Friday XXXX XXXX, XXXX. I was informed by Ditech customer service that they do not accept payments using prepaid debit cards, and that they do not accept partial payments for homes in foreclosure. My home had been placed into foreclosure 3 days before. Furthermore, there was no indication on my account that a XXXX XXXX had made any notations on my account about the payments, or our negotiations to move the loan to a modified status. I am about 50/50 if XXXX XXXX actually works for Ditech or had spoofed the telephone number identifying his initial call as being from Ditech. If he is a Ditech employee I feel he mislead me into making a payment that will not allow me to modify my mortgage. In any case when XXXX XXXX called by this morning to execute the {$800.00} payment I told him he could go to XXXX as he had already stolen {$500.00} from me. Please help me determine if I got ripped off or if I am just being played by my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with ERC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Federal student loan debt) with ConServe (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month. 

Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX. 

It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX,  and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing. 

The original debt amount shows {$220.00}. 

Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}. 

Conserve is not licensed to collect said debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello, I was forced to take out loans with  XXXX   XXXX  when I went to school as I went to  XXXX . No other loan companies would lend to me.  XXXX   XXXX  then sold   XXXX  of my   XXXX   loans to Navient and retained   XXXX  .       Navient has been completely unhelpful in helping me to repay my loan. I have only recently returned to the US and the only " help '' they were willing to offer was to charge me {$150.00} to enter into a 3 month forbearance. Navient will not give me a repayment plan based on my own funds. They say they will use my finances to consider lowering my monthly payment but insist on including my co-signer 's income. My grandmother is my cosigner and lives in another city and is currently  XXXX  in hospital. I also do n't have any faith that they will be reasonable in what they consider to be " lower ''. I am nervous about handing over our financials and agreeing to their program then still being trapped in a situation that I can not manage. In addition to that, Navient claims  that I owe  ~  {$90000.00} on the loans they hold. I do n't understand this because the loans total ~ {$60000.00} in principal and I left schoo l in 2015. I   do n't understand how my loans increased by 50 % in a little over a year.     I have done everything I can. The fact is that I am earn less than {$500.00} a week and supporting myself and my husband. My other loan providers put me on an income driven repayment plan without hesitation but these two companies treat me like I just do n't want to pay. I am only a year out of school. I have finally gotten a job in my industry and I am struggling to put food on my table. The added pressure of Navient treating me as if I am willfully withholding money from them is a nightmare.

Company response to consumer: Closed with explanation