milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner

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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
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 was a victim of XXXX of the " XXXX '' scams. Here is what the real XXXX says : Scam Pop-Ups : What You Need to Know Another well-known trick is the website pop-up, that little browser window that sometimes appears while youre searching the Web. Cybercriminals set up websites with scam pop-ups with messages and phone numbers. These pop-ups usually are not easy to close. 
While some pop-ups are useful and important, others are traps that attempt to mislead you into revealing sensitive personal or financial information, paying for fake anti-virus software, or even installing malware and viruses onto your device. 
Do not call the number in the pop-up. XXXX error and warning messages never include a phone number. 
Here are some of the organizations that cybercriminals claim to be from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX Team ). 

I called the number that popped up on my computer screen who I thought was the " real '' XXXX and they told me that they would clean the virus and protect my computer for {$140.00} for year. The billing statement showed " XXXX XXXX WA. '' This was actually a fraudulent company that loaded pop-ups on my computer to make me think that I had a virus. XXXX XXXX claims we received the service and closed our case unless we can prove that we didn't receive the service. They ignore that the company that we were dealing with was a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I sent a letter over to Transunion for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Transunion to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is completed. Sincerely, XXXX 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 09-01-2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. 
XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... 

To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. 
At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

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 Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Since at least XXXX of 2017, I have been unable to initiate an online dispute with Experian. I do not have the same problem with XXXX or XXXX. I am able to answer my soft-pull identity verification questions with ease. 

I thought that the issue was perhaps that I did not have a very recent copy of my credit report from Experian. On XXXX XXXX, I attempted to request my free annual report thru the online service. I received an error that I would have to initiate the request manually. I received my credit report by mail, and now on XXXX XXXX, I still can not initiate a dispute online. 

I tried contacting Experian by phone. The representative was unhelpful. There is no technical support team to help. Nor is there any other source of information to fix my issue. I even asked for the name of the executive office with which to write correspondence to get to the bottom of this. The representative provided a PO Box for general credit inquiries, completely ignoring my need for higher level assistance. 

I suspect that Experian has blacklisted me from using the online service to initiate disputes. I do not know for what reason, and without correspondence from them regarding the nature of the blacklist, I 'm unable to rectify the problem.

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 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion 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 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 08/31/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid an account with XXXX and reinstated my service with them and disputed this with the credit reporting company but it ask questions about personal history for security reasons and says I have a mortgage but I do n't have a mortgage and never have had one. When I say no it says my information does n't match so I ca n't submit the dispute and this account is negatively affecting my credit report when it has been paid for months now. Please help me fix this. It 's hard enough to make it these days without things like this happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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 Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : 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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.

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 08-11-2016 about Debt collection (Credit card) with Apple Law Group, Inc. (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I signed a contract with Apple Law group firm in hopes to consolidate my debt with them and pay a lesser monthly amount to them versus paying several debt to several companies. After two years of making payment to Apple Law group and still receiving numerous of phone calls from my creditors ' I was informed that no one from Apple Law group had contacted them in regards to settling my debt. In the contract I am advised to no communicate with my creditors because that is why I am paying Apple Law firm lawyers to do for me. I tried to contact the Law firm by phone calls, faxes and email correspondences ( that I have on file ) and received no calls back until I put a stop payment on my account. Once I finally spoke to their XXXX and only representative by the name of XXXX XXXX and told her about my concern, I asked for a full refund and only received % XXXX ( {$330.00} ) of what I paid out. I asked to be sent a bill stating all of my charges and proof of the companies correspondence between my creditors and the law firm sent a bogus made up bill to me showing that they 'd billed me {$30.00} for having an attitude, {$15.00} for phone calling in to the firm and inquiring about my account, I was even charged for paying on debt that I specifically asked them to take off my account and they responded back to my request to delete the creditor off my account, the list goes on, etc.. I 'm currently trying to resolve paying back what I owe to my creditors but I 've lost {$3900.00} to the Law firm, which would have been almost half of the debt that I still owe. This company stole from me and will continue to steal from others if they are n't stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.

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 04-03-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV).
Issue: Fraud or scam

Complaint: I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Accounts Management, Inc (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX to get information on what debt they are collecting on. When I asked for them to send me whose debt they were collecting on - myself, my husband, or my son, and who they were collecting for and the amounts each they refused because they said they had already mailed that information out. They are trying to collect on medical bills through a small claims lawsuit.

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