milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   -  XXXX  re ported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with   XXXX   XXXX   XXXX   XXXX  .  <P/>  XXXX   XXXX  reports  FICO score d ropped  XXXX  points same day as  XXXX  30 day late report hit the bureau.  <P/>  XXXX   Amex Credit Limit d ecrease ( never been late or slow on any payments and paid more than minimum amount )  XXXX    XXXX   XXXX   XXXX   XXXX    Credit Limit Decrease ( never been late or slow on any payments and paid m ore than minimum amount )  XXXX   XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.  <P/> Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.  <P/> Please help me. I do n't have money to go and hire a credit lawyer or anything like that.  <P/> I have statements from  XXXX  showing that my account is in good standing and that it is paid off but they will not update my report.  <P/> How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never owned this debt with XXXX  but even after requesting this third party and XXXX XXXX, they continuously harassed and put me in collections. I always paid my dues on date and ended my contract in good terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Credit Network Inc (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

As requested by XXXX please see the accompanied Fraud Packet completed and supporting identifying document initially mailed a few months ago. Please provide me with a copy of their response through the CFPB portal for my receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit angency of Equifax refuses to remove a Louisiana tax lien incorrectly placed on my credit report filed XXXX incorrectly by the state of Louisiana for a buisness i never owned or operated located at XXXX XXXX XXXX XXXX, XXXX XXXX, La XXXX named XXXX. Any state or Federal tax filings have shown i have never owned or operated any type of business ever, i have spoken with the state numerous times concerning this matter which was handled by a La, department of revenue agent named XXXX XXXX direct telephone # ( XXXX ) who to me numerous times also stated that should not be on my credit file and has sent request to equifax to remove it more than XXXX.This has been going on for quite some time. The record filed at XXXX District Court case number XXXX has been nullified for quite some time. I dont know why Equifax insist upon putting me thru the unfair practice of not removing this lien off of my report for years now as well XXXX unauthorized credit inquiries, i understand that Equifax is a giant corp. that makes a profit off reporting credit info on consumers but this is so unfair to me for them to not do whats right and remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (VA mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.

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 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Collection Agency : XXXXIs reporting inaccurate collections account on my credit file. I have disputed this account several months ago and they still refuse to remove it from my credit file. The last time I spoke with someone from the collection agency on XXXX/XXXX/15, the lady said that i had to give them 30 days to investigate. Although it had already been 2 months, I decided to wait 30 more days. I called today XXXX/XXXX/15 and the guy that I talked to today acknowledged that it had been more than 30 days since I last spoke with them on ( XXXX/XXXX/15 ) but told me I still had to wait because they still had n't received the info they were waiting on from the original creditor. I told him this inaccurate information is destroying my credit and I have been patient with them for at least 90 days but was still told I had to wait longer and they would call me if they heard anything. My original dispute was in XXXX 2015 and as of today ( XXXX/XXXX/15 ) this inaccurate account is still on my credit report. I am very disappointed because this collection agency still refuses to remove this from my credit file even though they have not been able to validate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with One Source Technology (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: shows inaccurate info

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 05/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: My credit card company, Bank of America, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from XXXX XXXX stating that I owe them for a collection for PayPal. The amount that it 's states I owe is XXXX. I checked my account on PayPal and it states my balance is {$0.00} and I do not have an open credit card account on PayPal. I did a credit report and not does it show I have an open account at PayPal indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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 06/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Chase bank is not sending information to my  XXXX  account in a timely manner. I was notcified of this  XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with SLM CORPORATION (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Non-federal student loan) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: GLA continues to call me and state I owe on  XXXX  accounts. I listened to them and explained I had insurance for the dates of service. I contacted my insurance carrier and was tol d GLA nor    XXXX    XXXX   XXXX  Hospital never billed them and that was all that needed to be done to get them paid. I called  GLA  and   XXXX    XXXX   XXXX   Hospital  back and gave them all information to bill the insurance companies. I asked if they could remove these collections from my credit reports since I didnt owe. They stated yes. Not only have they not removed them they have sent them to all  XXXX  as an updated account.

Company response to consumer: Closed with explanation