milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: Please help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been long since paid off. I filed a dispute with XXXX XXXX and it cleard off my report but it still shows on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX, 2016 in order to obtain a refund for this charge and was told that they are unable to provide refunds for this service. 
I believe that the method by which they are surreptitiously signing up people for this " service '' is both dishonest and disreputable. It even more egregious because it is being foisted on unknowing consumers who are deliberately seeking to manage and improve their financial health -- and instead are being gouged by one of the very companies who instead should be trying to help consumers with financial transparency. 
Experian should be forced to un-bundle the " credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers.

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 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied for my free credit report thru your website in XX/XX/XXXX. I was immediately refused due to the fact that your website provided unclear and illegible information and there fore trans union was unable to determine the nature of my request. I have now received my THIRD turn down and request for the exact same information I have sent XXXX times already. I sent XXXX pieces of govt id and a utility bill. I believe that they are XXXX off because I blacked out the account number as I feel that my name and address being on the bill is enough information, they do n't need the account number for anything other than skip tracing. They claim that all those pieces were unacceptable because they were any XXXX of XXXX different reasons. They still claim that my id I sent them is illegible and furthermore I also requested reports on the bureaus own form as well as your forms and a personal letter request from me personally. I believe trans union is merely trying to gleen more information to put in my file to benefit from me. Trans union 's insistance to refuse to give me a copy of the derogatory information they have been selling to others and true and accurate information is a fraud. They know that I am XXXX with an incurable XXXX and they are discriminating against me. They have also denied report to my XXXX husband and XXXX daughter for exactly the same reasons and for XXXX times for each of us. They are intentionally discriminating against my whole family. The intentional derogatory actions of trans union has unfairly harmed my self and my family. I do have an attorney for seniors who I 've talked to who is willing to pro bono sue trans union. credit unions can be sued and they have the bucks the attorneys know about. Please help me get my ctrue corrected credit reports immediately so that I can find a comfortable place to live thru the remainder of my XXXX. Credit unions have been pulling this for years on the consumer when will the govt impose serious enforced regulations again the credit bureaus? Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Rewards

Complaint: I recently opened a new credit card with Wells Fargo. I applied ( and was instantly approved ) for the card because they advertised a card that offered XXXX rewards points per dollars spent at gas stations, grocery stores and drug stores. As a father of XXXX children, I spend a lot in those merchant categories. I have a screen shot of the original offer as advertised. 

Shortly after receiving my card, I used it a few times and went to check out the rewards site to see what kinds of things I could use my points for in the future. I noticed that my card was only earning XXXX point per dollars spent, even at grocery stores and gas stations instead of the XXXX points per dollars it was supposed to be earning. I e-mailed to inquire and they said I had to call them instead for some reason. So I called, and they " opened a case '' for me. A few days later I got a call back and the agent informed me that they would not honor the promotion as advertised. I argued for a few moments, pointing out that this was extraordinarily unethical, and probably not legally allowed. The agent did not deny that, but said there was nothing she could do in her position. 

That 's basically brings us to today. I applied, and was approved for a credit card that advertised a specific promotion. Wells fargo should honor the promotion as it was advertised. Thank you for your time and consideration in this matter.

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 01-11-2018 about Debt collection (Payday loan debt) with Security Credit Services, LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with Terrill Outsourcing Group (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unsolicited call from " debt collector '' Superlative RM, telephone XXXX XXXX XXXX. Company stated, " We are a debt collection company trying to collect an outstanding debt. '' Was requested to call XXXX XXXX XXXX referencing a case number. When I called, an automated answering machine indicated who they were, all agents were helping other customers, please wait on the line for the next available agent. The line was answered within one minute and the answerer immediately hung up. This happened successively three times. 

I have no outstanding debts and believe this company to be a scam. When I called the number the solicitation had originated from, XXXX XXXX XXXX, an automated machine answered in both XXXX and XXXX, " This number is no longer in service. '' How could this be since I had received a call from that number less than one half hour earlier? 

I am reporting this company to be a scam and request it be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (I do not know) with Financial Assistance Inc (AL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XXXX XXXX, 2017, XXXX XXXX put 3 Fraud Medical collections on all 3 credit bureaus. We notified XXXX XXXX by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 
They still have not removed the Fraud that is not mine from collections under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Security Credit Services, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (NY).
Issue: Account opening, closing, or management

Complaint: This is my second complaint regarding E-Loan ( previous case # XXXX ). That issue was resolved by my giving up requestion the cd I opened and funded be made a trust account. Presently since the account has been funded I have received the incorrect amount of interest ( below the percentage I signed up for and have poof of ). After getting no satisfaction by dealing with e-loan I called XXXX XXXX XXXX XXXX a branch manager of XXXX Popular. She intervened and called Eloan in XXXX after which I received a secure message from eloan that the correct amount of interest would be transferred to my linked ( outside ) bank account with 24 to 48 hours. That was on XXXX XXXX. The interest has not been transferred and in fact when I log on to their website I get a message that I do n't have any accounts there. I have spent numerous hours on the phone and sending emails to this bank. At this point I want to close this account, have my entire opening deposit of {$250000.00}. transferred back to my linked account with no penalty as well as the interest I am entitled to.

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.

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 12-07-2016 about Credit reporting () with DISCOVER BANK (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Settlement process and costs

Complaint: We closed a month ago and now they want to start the process all over again. Also escrow will have to send the money back to new lender. Our daughter died last XXXX XXXX, 2015 and we have tried to get the home sold since then. what can you do to help us please call us at XXXX as soon as possible

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 03/14/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX. 
I am disputing this debt unless the collection agency is able to validate the debt. 

I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit determination

Complaint: I applied for the American Express Card XXXX XXXX 2015 and was promptly Denied the same day. I received there written response on XXXX XXXX 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( XXXX ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at XXXX and XXXX XXXX Bank XXXX and XXXX XXXX Bank XXXX 's, look i would be quiet and not make a case if they were n't so disingenuous in there decision process, I make decent money so my question again, is are they back to RED LINING in there process of determining credit worthiness? as they have been known to do this in the past to XXXX applicants ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is something I have no power over.

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 05/16/2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (AR).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I had a agent call me from  Deville Asset Management t o tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.

Company response to consumer: Closed with explanation