milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have not been able to obtain my credit report or score for over a month. The last time that I could access my credit report was XXXX/XXXX/2016. Since that time I have called everyday to try to get this corrected and I have not been helped. I have spoken to supervisors within the credit monitoring department and they have placed a total of XXXX tickets to have this resolved and keep promising me that it will be, however it never has been. I have been promised phone calls back countless times to tell me why I could not access my credit report and when it would be corrected, but not one person has called me back about this. When no one called me back I contacted the corporate office and was then promised a call back from them as well. I never received a call back not from anyone. I then contacted XXXX XXXX XXXX the Vice President of Information Services with Experian and requested that she call me back on two occasions, and she never called me back. I sent 5 emails to XXXX XXXX XXXX requesting that she call me back, but she has refused to call me back. I have been in contact with more that XXXX people at Experian and explained that I am not able to access my credit report since XXXX/XXXX/2016 and requested help from all of them and to date not one of them have assisted me and not one of them has even bothered to call me back. 
This presents breech of contract because I paid for a service that I ca n't use. I have also been provided this service as a part of a security breech at a company to help monitor my my credit because of the breech, and this service is not working so this is yet another breech of contract.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will 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 01/19/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.

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 09/22/2015 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Placing a order of validation. Call back withdrawal XXXX hr. Repetitive messages. Without saying who or what the derby is for. When you call back no answer or advise to leave a news. Sounded fishy so hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: Honda Financial Services charged, without permission, my checking account that was attached to my loan. I had already made a payment on XXXX/XXXX/2016 and today, XXXX/XXXX/2016, that same exact amount was charged. They had no permission nor consent to charge my account. Now i am dealing with a huge negative on my account, as well as future overdraft fees. 
The fact that i have to call honda, wait for hours to be on hold and just get a message that they 'll resolve the issue soon is unacceptable. Also having to contact my bank, who is n't at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I have been charged overdraft fees for purchases that were made when I had necessary funds in my account. I checked my account activity after each transaction and it showed I had money after each purchase. XXXX I only made one purchase without sufficient funds but I have been charged for more overdraft though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: My membership rewards points are still frozen after I reach {$3000.00} spending in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account

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 01/18/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Student Debt Consolidation LLC (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted multiple times by a company ( Student Debt Consolidation Aid ) claiming to be the Department of Education to refinance my student loans with lower interest, payments, and forgiveness after a certain term.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent Equifax data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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 XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX keeps calling my number trying to locate someone that owes them money I 've already explained to them they 're calling the wrong number but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I informed Receivables Performance Management LLC that they were calling me repetedly and at an inconvenient time due to my work schedule on XX/XX/XXXX. The very next day XX/XX/XXXX they called me 4 separate times between the hours of XXXX CST and XXXX XXXX. I called back and spoke to supervisor who told me the phone " sometimes messes up ''. I have NEVER heard of a dialer being set to call 1 individual 4 times so I believe that is a lie and these calls were placed intentionally. It is a harassing practice for a dialer to be set that way. She told me I would not be contacted again. I told her I wish to be contacted by mail only, she assure me that would be the case going forward. 1 hour later at XXXX CST they called me again! I tried to leave my desk at work and go to a quiet place and the reprentative repeatedly said my name loudly and rudely, then they must have reviewed the notes on my account becasue as I was speaking they hung up on me. I tried to call back and I was placed on hold and left there, I finally hung up after 10 minutes of waiting.

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 05-07-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: My auto loan statement from Toyota Financial Services does not include the interest accrued to date. I believe that this information is supposed to be shown on my statement ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit report was obtained via Exquifax 's servers without my consent.
I fear for the safety of my personal and financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear Gentle Person, I have two mastercards with XXXX XXXX -- I mailed in my payment with the correct payment stub the account I closed and the bank 5 days ago credited the wrong account -- I wrote to the President as the customer service folks stated it could take up to 30 days to fix -- which would leave my account that was suppose to be paid with a late payment unacceptable. 

Please assist in following up with XXXX XXXX to complete their job and correct their error. The Mastercard they paid is wrong -- they have been notified. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX They also reported the wrong balance to every reporting credit bureau and showed me over limit whem I was not affecting my credit score -- they said they corrected however did not -- they still showed me over and I was not. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX along with Experian and XXXX are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

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 06/20/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Taking out the loan or lease

Complaint: I was defrauded by XXXX at XXXX that have also defrauded XXXX also by selling an wrecked carthat has an bent frame that was a totalout car that is worth only $ XXXX-XXXXand that 's only selling the car as parts XXXXshowed me Car Fax that said car neverbeen wrecked purchase car in XX/XX/2013and the car is an XXXX Kia Optima thathad only XXXX miles on it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.

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