milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid. 

The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax misused my information and did not take proper steps to protect my information, along with millions of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit line increase/decrease

Complaint: I have XXXX credit cards with Capital One. 
I have always been given a credit line increase every six months for the past 4 years or so. 
This month I should have been given a credit line increase on XXXX of my cards. 
They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. 
And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me, ever. I want a credit line increase now. They should not be allowed to treat customers so unfairly, and have no contact for us to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with Penn Credit Corporation (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I was refused a copy of my free annual credit report from Trans Union. 

I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. 

I need free copy of my credit report so I can find out why I was refused a mortgage loan.

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 11/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).

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 11-12-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Shortly after consolidating my student loans with through the federal student loan.gov website i was repeatedly bombarded with telephone calls from many different companies stating that they worked with the education department and are trying to help people reduce their student loan debt by getting them into the student debt reduction program that was in the last days from the XXXX XXXX. The also said that I would have to pay 5 payments of XXXX to lock me into the program and make sure that my loan repayment stay at $ XXXX monthly for 20 years which would allow the rest of my loans to be forgiven after that 20 year period. I naively believed that they were associated with the government and signed up with the company as i feared a large monthly repayment having owed {$100000.00} in student and XXXX children to raise. I realized that XXXX XXXX XXXX XXXX were fraudulent after calling them and hearing a recording that said they were shut down and being sued. I became suspicious and called because earlier that morning I received a call from another loan forgiveness agency, from a California number but their service rep had a strong foreign voice, sounding XXXX. This made me really think about How foolish I was with ( XXXX XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. 
I quickly contacted my lender but not sure what else I can do.. I also need to find out how to freeze my credit and must some how check to see if i must change my SS #, and must contact my bank just in case my finances are in jeopardy. 

Now i am going crazy trying to get things cleared up. I am a nervous wreck and terrified, they have so many of my personal information. I am in total fear and agony. please help me if you can assist in any way. I will appreciate your guidence. 
please contact me ASAP, Thank You Naive Mother

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the night of XXXX XXXX, 2017/early morning of XXXX XXXX, 2017, my debit card was stolen while traveling for work in downtown XXXX, IL. I had used an ATM machine inside of a bar, where I believe my PIN number was compromised and I believe I was targeted from that point to have my debit card stolen. I did not realize that my debit card had been stolen until the next morning and I immediately notified Chase bank of {$2900.00} in fraudulent activity that had occurred on my account. The charges showed a description of transactions at a XXXX in XXXX, IL, which is an hour and a half north of downtown XXXX where I was staying for work. 
I went in to the local Chase branch as soon as they opened at XXXX XXXX to explain the situation and review the account activity. There were five transactions for {$500.00} and one transaction for {$450.00} totaling the {$2900.00}. These transactions occurred at XXXX XXXX, when I was asleep in the hotel in downtown XXXX. 
The Chase branch banker shut down my checking and savings account and opened up new accounts, transferring my funds to the new accounts. She helped me file a fraud claim with Chase for these transactions. 
I have since gone through 4 rounds of escalations with Chase 's Fraud team, but they are denying that the transactions were fraudulent activity. I have provided all of the information to them that I possibly can on where and how I believe my PIN and card were stolen, but they have rejected the claim and have now said they will not re-open the claim. Despite reporting the fraudulent activity just hours after it occurred as soon I woke up, it appears that I will be robbed of the nearly {$3000.00} in fraudulent charges taken against my checking account via Debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from Transunion, XXXX and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
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: XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and 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 01-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. 
But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to make a complaint about Nationstar mortgage. They purchased my mortgage from Nationwide mortgage in XXXX 2011 and immediately claimed that I was not making my payments. I never missed a payment. They claimed this until the end of 2011, even though I made every payment that year through electronic transfer. My lawyer told them that we could prove payment, but they did not was to hear it. They started the foreclosure process in XXXX 2011. My lawyer worked with the mortgage company directly and even worked out a short sale with them until they got a lawyer involved who told us that no short sale will be allowed and my lawyer had to stop all contact with Nationstar directly. For the next 2.5 years we tried to get this situation resolved but to no avail. The lawyer did not care about the proof of payment and kept telling my lawyer he never received the proof even though it was sent to him multiple times in several different ways ( the same happened with Nationstar when we send them documentation showing proof of payment ). Our lawyer then told us to try to get a government refi loan and claim bankruptcy, so we did. We filed all the paperwork for the new mortgage, had a specialist help us fill out all the paperwork ( he even told us that we should be approved ), but Nationstar denied the loan application saying that it was n't applicable for this situation. We even told them once again about never missing a payment and that this whole situations was started because of a mistake on their end, but they denied any claims we made ( even with the proof ). Now we are going to lose our home due to nothing we have done wrong, my lawyer has washed his hands of the situation saying that he ca n't work with this company, that they are the worst company he has ever had to work with. So please help us, we really do not know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Federal student loan servicing) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied f or a Discover cr edit card on  XXXX  after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on  XXXX  over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the  XXXX  statement.  XXXX  arrived and I still did n't receive the credit and now it is  XXXX  and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did  not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

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 01/29/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing

Complaint: On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Billing disputes

Complaint: In fall of XXXX I accepted a XXXX interest balance transfer offer from Chase bank on XXXX XXXX credit card. There was also a PREPAYMENT FEE. 
There were multiple late billing statements and some never received. When I attempted to get resolution on this by contacting customer service in summer and early fall of XXXX, no apparent credit was given for at least XXXX late fees, even when billing statements were not received. 
Some billing statements continued to be missing thru fall and holiday season of XXXX, and when I finally became aware that billings had not been delivered, I attempted to payoff loan in XXXX XXXX, minus around {$180.00} in disputed interest charges. 
As I continued to dispute interest charges, I was told that no department or individuals existed in Chase Bank System to deal with this issue, other than regular customer service staff and supervisors. This past week however I was told that " escalation '' units and individuals did exist. 
Multiple contacts over this issue with customer service, also experienced rude, hostile supervisor representatives, who often seemed to give lectures on how I as the customer was fully responsible for additional charges and late fees ; even when billing statements were consistently absent or weeks late. 
Ironically, monthly offers for additional balance transfers consistently arrived in the mail. 
Ultimately, my credit rating has dropped over the past 6 months, many documentable hours have been spent in often hostile conversation with customer service reps., some late fees have been removed after at least two months of existence on billing statement, but no attempt has been made by Chase to deal with Disputed interest charges ; by adjudication or any process accept to lay full responsibility on me. 
Finally, the current billing statement seen online indicates around {$240.00} due, while yesterday I was assured by a customer service supervisor, that all " late fees '' have now been removed, and all that actually exists as due is around {$180.00} ; which is the amount of the originally disputed interest charge of 14 ( plus ) percent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation