milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 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: Information belongs to someone else

Complaint: I have attempted several occasions to have my credit report updated. My idenity was stolen. I have submitted police reports as their is an ongoing investigation. However, even with this information Equifax has refused to delete the accounts. What more can I do if I have the police report? This is a clear violation of the Fair Credit Reporting Act. The following are the accounts that are in dispute. Some of the accounts I was paying in an attempt to keep my credit high. I eventually stopped because it did not help matters. I even asked the business for proof of the transactions so this information can be added to the police investigation. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX 2. XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 3.  XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Personalreports.lexisnexis.com has incorrect information. None of the information is correct. Information may refer to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (DC).
Issue: Settlement process and costs

Complaint: I have a XXXX in my office who appears to be a victim of Reverse Mortgage Scam. He is being billed for XXXX and he states he has never received any money from anyone, that either he is a victim of identify theft or mortgage fraud. I called the company who confirmed he indeed had the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Unfortunately, there are several things to complain about with  BMW Financial Services.      First, The check i sent on  XXXX  was cashed b y BMW  on  XXXX  a ful l two wee ks after sending. This is a typical timeframe f or BMW to cas h a check. It was sent from NY to KY. This check, along with all others was sent with the remittance from statement, but never applied to my account. I called several times and even emailed a copy of the cancelled check to  XXXX  XXXX  XXXX  on  XXXX . Still no answer.     I called today  XXXX , they tell me a manager should call me back w ithin two days!!      Second, I send my check for my lease each month on or about the  XXXX . Many times it is n't cashed until the  XXXX  of  XXXX  of following month and they want to charge a late fee. Due date is the  XXXX .     Third, they have been harassing me, by calling on my cell phone at le ast 12 tim es a day, a clear violation of FDCPA. Even after I instruct not to call my cell phone, they continue to call.     Now, i am accruing late fees, harassing phone calls and no doubt blemishes to my perfect credit while they maintain my money!!! All due to BMW 's ineptness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (CA).
Issue: Taking out the loan or lease

Complaint: GreenSky Financial is trying to collect a debt that I never agreed to, and that I cancelled within three days, and is ruining my credit. 

A salesman from XXXX XXXX XXXX came to my door to sell me solar panels. He told me a bunch of information that turned out to be false, including about whether the solar panels would save me money. The salesman told me the panels would power my house, but XXXX XXXX XXXX told me later the panels were not sufficient to power my house. 

I never signed a loan agreement, but in XXXX 2013 I received loan documents from Greensky Financial claiming I owed {$17000.00}. They sent a loan agreement without my signature, and I never signed any agreement. 

I sent a notice of cancellation on XXXX XXXX, 2013 to XXXX XXXX within three days of signing the application ( I never signed a loan agreement, only an application and paid an application fee ). But then I received a statement claiming I owed GreenSky {$17000.00}. Later I found XXXX XXXX installing solar panels on my house. I immediately asked that they stop, I asked the VP of the company for them to stop, and even reported them to the county, but they did n't stop. 

GreenSky is now reporting on my credit report and it has ruined my credit. I have been denied for refinancing my house as a result of the GreenSky reporting. I have asked them multiple times to remove the reporting and waive the debt since I never signed any agreement and they have refused. I disputed with the credit reporting agencies but they claimed GreenSky verified the debt. 

I found help from a legal services attorney, and GreenSky will not provide him with any agreement that they claim I signed. They are completely non-responsive but are still ruining my credit. 

I did n't agree to borrow {$17000.00} and I submitted a notice of cancellation as soon as I saw they were confused. Now my credit is ruined. The stress of this situation has caused my health to deteriorate. My XXXX has XXXX and my XXXX has gotten worse. I always took pride in my credit and GreenSky has ruined it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX student loans reached an agreement with me and sent me a letter to agree to have all XXXX accounts deleted off of my credit report, I uploaded the letter as proof to Equifax and they have yet to delete. I just want the accounts deleted off my credit report like agreed in the letter that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with High Point Asset Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Monday, XX/XX/XXXX I received numerous robotic voicemails on my cellphone, place of employment and residence from a company called High Point Asset Inc. located in XXXX, NY. I received another robotic call from this company today, Tuesday, XXXX XXXX this time I called them back. I spoke with a gentleman who identified himself a XXXX XXXX he alleged that I owed a payday loan from XX/XX/XXXX. I explained to XXXX XXXX that I never took a payday loan for that amount. I told him that if I continued to receive these calls I would report him to the AG 's office for the State of Maryland, I suspected that High Point Asset is not licensed in Maryland or the District of Columbia and he his response was " Yes we are. '' When I asked him to provide me with the business license number he said he would have to transfer me to the business " owner '' XXXX XXXX. 

He then transferred me to a XXXX XXXX who identified himself as the " Manager '' of High Point Asset Inc. 

Once again, I explained to XXXX XXXX that the payday loan debit that they were alleging I owed was not mine. I then asked XXXX XXXX what was the name of the company that he was collecting the debt for he stated XXXX. He said the file was transferred to him. I explained to him that I had never heard of XXXX. Just as I had XXXX XXXX, I asked XXXX XXXX for the business license in order to confirmed that they were licensed to operate in the XXXX and Maryland and his response to me was " I do n't have it on me. '' Really? Then I asked for an address in which that I could send a Cease & Desist letter and not a p.o. box number. At which time he stated that a Cease & Desist was placed on my phone numbers at XXXX something that morning. But refused to give me anything other than a p.o. box. 

I informed him that a Cease & Desist had to be in writing. I also informed XXXX XXXX that I was going to file a complaint with CFPB and with the FTC. He his response was " And I will respond to the complaint by saying we already did a cease and desist on your number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I HAD A COUPLE OVERDRAFT FEES CHARGED TO MY ACCT THEY DID A REVERSAL DO TO A COMPANY ERROR AND I DEPOSITED THE MONEY FOR PENDING TRANSACTIONS AND NOW I GOT ANOTHER  XXXX  OVERDRAFT FEES FOR THOSE SAME TRANSACTIONS.. THEY WILL NOT REVERSE THEM. SO I GOT CHARGED  XXXX  FOR A  XXXX  DOLLAR  XXXX  'S   XXXX   AND A  XXXX  DOLLAR LIFE INSURANCE PAYMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Due to identity theft, I have a seven year alert at the credit reporting agencies. Despite this, a known identity thief who has my personal information was successful in opening a Chase XXXX Bank Card account in my name, with the thief 's name added as well. I was informed of the inquiry through my XXXX account. I called Chase security department who was unaware of the fraud alert, and closed the account. They said they would conduct an investigation. I informed them that I had this fraud alert and this account should not have been issued without me receiving a call from XXXX or XXXX. They went ahead and opened it. What would have happened next is the thief would lock down the account with a password and change the address to theirs in Washington state. This has happened twice previously, with XXXX Bank and with XXXX who assisted me in setting up the fraud alert in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Student loan (Federal student loan servicing) with OKLAHOMA STUDENT LOAN AUTHORITY (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I opened a proper dispute with Equifax to dispute there is no such judgment of record for # XXXX or XXXX from this court for this date for this amount from this creditor. I have documentation from the XXXX XXXX XXXX XXXX that supports my dispute of these erroneous entries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX XXXX XXXX sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.

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

Complaint: On the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I defaulted on a mod ; in XXXX we settled on a XXXX mtge ( amount given to us by Citi-XXXX mtges held by Citi ) I have been ATTEMPTING to rectify and re-modify since ... Citi refuses to work with me ... claiming I make too much money for government programs HAMP/HARP not enough to hand them their money - I have an audit clearly showing robo signing fraud and broken chain of title - we are currently being reviewed for a modification AGAIN we send the same documents over and over again ... I HAVE RESPECTFULLY REQUESTED THAT THEY POSTPONE THE PENDING AUCTION DATE WHILE WE ARE NEGOTIATING ; TO NO AVAIL ... .CURRENT AUCTION DATE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The basis purpose of ones name is to identify XXXX person from another, except with credit reporting agencies, which have regardless of the rules seemingly believe that the rules do n't apply to them. All credit reporting agencies have programs and system they sell to verify name social security number matches but fail to utilize them because they ca n't get consumers to pay for them. Experian for XXXX years have stated they verified items on my credit report, but factually lied because they could n't have because the items did n't bare my name. If any item does n't bare the basis of the correct name then it could n't be verified.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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 showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in 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 09/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my 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 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My addresses past and present are incorrect. And please remove the Fraud Alert from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/2015, without my knowledge.

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 08/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Medical) with Central States Recovery, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from Central State Recovery in XXXX Kansas. She stated that I owed a medical bill of {$180.00}. I paid {$90.00} and due was due to pay another {$90.00}. Due to fraud on my bank account and XXXX Insurance data breach and credit card fraud. My accounts were closed. I received a text message from my previous employer stating XXXX XXXX contacted his wife at home in reference to this account. I called the number and was informed of a returned check. I advised that it should not have been returned. Due to the fraud on my account nothing was clearing my checking account. I asked how they contacted this lady whom I have seen XXXX time in XXXX years and does not know me and they said they just did a XXXX Search and obtained the number. XXXX Search lists over XXXX numbers on file and they contacted several numbers leaving my name and information on voicemails. When I spoke to the manager she stated that they did nothing wrong and I should have had XXXX numbers on file and this would not have happened. I advised her I received no call in reference to this. I have NEVER received ANY letter validating the debt and they to date have not provided XXXX. They submitted the {$90.00} to my credit report of a debt that I have no letters confirming my rights as a consumer or the debt company.

Company response to consumer: Closed