milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 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: Public record information inaccurate

Complaint: I am filing this complaint because Experian,  XXXX , and  XXXX  have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that Experian,  XXXX , and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from Experian,  XXXX  or  XXXX  trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from Experian,  XXXX  or   XXXX   regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. Experian,  XXXX , and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. Experian,  XXXX , and   XXXX    are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, un der Section 611 ( 5 ) ( A ) of  the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian,  XXXX , and  XXXX  have yet to verify. Also, Experian informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

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 06/27/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2015 about Debt collection (Medical) with Focused Recovery Solutions, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Federal student loan debt) with Delta Management Associates, Inc. ().
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.

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 10/30/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I signed a lease with XXXX XXXX on XXXX XXXX XXXX and the lease was signed by both parties that the first payment and every payment thereafter will be on the XXXX of the month I have made each payment by the latest the XXXX of the month everything was fine till the XXXX statement where they changed my due date to the first of the month and gave me a late charge of XXXX after numerous phone calls to XXXX they state they can just change it to the 1st without notice and wont change it back they have broken the terms of the lease we signed and Imwant it changed back or they can take their car back. Please advise me of my rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I paid XXXX XXXX of XXXX XXXX XXXX {$7000.00} to develop a computer/tablet/phone app and never received it. I was told by Paypal reps that i was covered under their Buyer Protection Policy so I disputed all XXXX separate transactions with Paypal. After the disputes were filed, Paypal declined them and refuses to help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used my  XXXX   XXXX  rewards  MasterCard ( Comenity )  to acquire a balance transfer to pay off anothet credit card. On  XXXX   XXXX  my account was charged  XXXX . I was charged for the balance transfer but it was not received by my other credit card.    XXXX   XXXX  wrote to me to verify the transfer was unsuccesful and my account would be credited. That was on  XXXX   XXXX  over 60 days ago.   I have not been credited and I also paid my other credit card through  XXXX  off myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I found out about the data breach on EquiFax. They had a website to check if you were a potential victim of the data breach. By using their provided website, I found it I was listed as a potential victim. EquiFax then offered a year free of credit monitoring if I agreed on XX/XX/XXXX ( A date they assigned to start the enrollment for this service ) and opt out of any lawsuit that came from this. I will be withholding my enrollment as this is a unfair and truly disgusting way to approach a major issue by EquiFax.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Statute of limitations expired after 4 years, this is now 8years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   XXXX   XXXX   {$680.00} Neither the collection agency or the bureau Experian has validated the debt.
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Under   XXXX   it says the account name is unknown the only thing that was close to matching the debt under Experian is the dollar amount and the incomplete account number and under   XXXX   the account name is   XXXX   XXXX   XXXX   limited again the only thing close to matching the debt under Experian is the dollar amount and the incomplete account number

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 07/31/2015 about Credit card () with Army and Air Force Exchange Service (TX).
Issue: Credit determination

Complaint: I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with DISCOVER BANK (CO).
Issue: Closing/Cancelling account

Complaint: Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  a Walmart  i card Account ending in  XXXX  for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the  XXXX  i once had.

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