milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/

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 10/18/2017 about Debt collection (Medical debt) with Capio Partners, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I began protesting the fraudulent behavior of   XXXX   a bout 6 months before grauation due to the extremely poor education, materials and teachers we were experiencing. Finding out that our credits were not transferable and the school was not accredited cost me my company paying for the education. I could not transfer credits and I did not want to start all over again some where else. I kept trying to cram 2 to 3 years of subject matter being learned into 8 weeks while working a full time job was too much. The president at the time was   XXXX   he offered a   XXXX   XXXX   break for educatuon wich we filled out forms for those who continue from   XXXX   XXXX   XXXX   XXXX   and when I went to sign up for my first term they had no knowlege of any papers. I dont have all my papers any more do to a storage unit Nightmare but I still need help I have the 50 billion phone calls I receive from so many different people who call me daily but Im sure it can be supported somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with Franklin Collection Service, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with Lincoln Educational Services Corporation (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This company has called and they 've also written requesting that I pay the loan in full. I 've had situations in life arise where it left me in a financial ditch. Whenever a representative contacts me, I 've tried explaining that I ca n't pay the balance but I 'm willing to send in small payments at least by making some contribution towards decreasing this loan, but they 're never willing to make payment arrangements with me. Now it 's on my credit affecting my score and showing as delinquent when I did try to maintain a positive status with the company. It has gone to another debt collector. No luck with them and the representatives are very rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: the company investagated the wrong XXXX acct they investaged a closed acct not the acct that is the only neg acct on my report the one i asked to be disputed XXXX never put my change of address in so bills were going to wrong address only reason i found out was from my annual credit report i called XXXX paid off acct on XX/XX/2016 was told they would fix credit report cause they messed up nothing has been correctd please help my score was XXXX before this happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: XXXX : reported my Mother 's death to Chase Card Services, pending refund to be sent to XXXX ; followed up on XXXX ; XXXX ; XXXX -- Have not received money owed

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On  XXXX   5  transactions were made on my credit card that I did not authorize through  XX/XX/XXXX  ( using  XXXX   XXXX . I contacted  XXXX  on  XXXX  as soon as I noticed the transactions and they filed a report and told me to contact my credit card company to get my money back. I did so immediately and my credit card refunded my card. After this had happened, I received  4 of the 5 playstations that were ordered through the hacked account and left them in the box and waited for someone to tell me what to do with them. No one had told me anything to do so I waited. I called Chase after I noticed that I got a letter saying I recei ved a benefit from them at the beginning of  XXXX  and asked why the charges are back on my account. They said it was not fraud as I received benefits from the charges, and that they are not responsible for the charges. I proceeded to fight this decisions and also called  XXXX  who said since it 's past their 30 day money back guarantee there is nothing they can do about it and that this is the responsibility of my credit card company to provide a refund as the charges are fraud. They also noted that they have the report on file of me calling on  XXXX  reporting the fraud charges. I have no problem sending these items back ( as long as I do not have to pay for anything ) or doing anything they ask me to do with these items, but I had informed them immediately that these charges were fraud and no one told me what to do with the items. I think it 's their responsibility to deny these charges when they happened when I called or notice that over {$1500.00} over  XXXX  transactions in the same day all from  XXXX  charges were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had an account with XXXX XXXX Bank in 2006 and they changed the company to XXXX XXXX XXXX. I paid the account several years ago and I recently received a settled in full letter from them the only issue I have is that its still reporting on my credit report only under Experian, it is not reporting under XXXX or XXXX. I would like it to be off of Experian as well so I called the original company however they said that the account is no longer with them so I called XXXX XXXX they sent me settled in full letter however I asked if the account can be taken off of Experian because it is off on XXXX and XXXX however both creditors send me back to the other and XXXX said they do n't know if anything can be done however I feel if its off the other credit unions why is n't if off of Experian, its an old settled in full account if they cant delete like the others then a minimal explanation like paid in full would be more helpful then negative comments. I hope your office can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Taking out the loan or lease

Complaint: In late XXXX, I applied for a membership in Navy Federal Credit Union because I am an XXXX of the XXXX XXXX. I planned to obtain a promissory note to purchase a used vehicle. A few weeks after they approved me for membership over the phone and sent me a promissory note and security agreement, I was unable to log into their website to view my account. After speaking to several representatives, I learned that I needed to " verify my eligibility '' by submitting documents proving that I am in the military. When I asked them why I did not receive an email or phone call informing me of this issue, I received no explanation, but I was re-granted membership in the credit union. Then, after driving the car for an entire month, I learned from NFCU that because I purchased a salvage title vehicle ( it is a theft recovery with no history of collision ), a fact which I did not hide from them and which was freely available to them on the state 's XXXX XXXX search website, my loan would be converted to a " signature loan, '' and the interest rate would go from 5 % to as high as 18 %! I asked why they missed the " salvage '' brand in the title search, but they told me it was my responsibility to inform NFCU and that I was lucky enough to be paying the lower interest rate until the loan is converted to a signature loan. A representative pointed me to a sentence buried in the middle of a paragraph on the XXXX page of the security agreement that I signed to justify this interest rate hike. It reads : " The owner ( s ) will maintain property insurance on the collateral covered by this Security Agreement against loss and damage with a collision deductible of no more than {$500.00}. '' He told me that this sentence justified NFCU retroactively hiking my interest rate because buying a car with a salvage title constituted breach of an agreement to maintain insurance on the collateral. I have insured this vehicle through XXXX, and their representative informed me that I had collision insurance up to the vehicle 's value. I did not realize that a salvage title would severely reduce the vehicle 's value, but I also did not nor do I think that this sentence in the security agreement or any of the statements made to me before I purchased my vehicle justify the interest rate hike that NFCU is trying to impose on me. In my opinion, the fault does not lie with an unsophisticated consumer, but with an enormous banking institution that failed to do its job by giving easy credit without doing its due diligence.

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 01-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with SYNCHRONY FINANCIAL (ND).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am quite sure that Synchrony Bank, which issues both the XXXX MasterCard and XXXX Visa, has been charging many or most of my XXXX purchases to both cards - in fact charging me double. They have probably been doing this to thousands of other people as well. I have used the XXXX Visa almost exclusively since XXXX, yet my XXXX MasterCard bill for XXXX is double what it was before. I first discovered this when I noticed I was not getting the promised 3 % cashback on XXXX Visa purchases. This was because all of them were listed by Synchrony Bank as " XXXX, '' although I do n't even have this card as a XXXX payment method : XXXX MasterCard is the only credit card I have listed on XXXXl as a payment method. ( It would not even be possible for me to make a XXXX payment from XXXX Visa, yet all my XXXX Visa payments are listed as " XXXX ''! ) Now I find that they have been charged to XXXX MasterCard, through XXXX and also to the XXXX credit card that I used directly. My XXXX MasterCard bill currently is over {$480.00} although I have scarcely been using this card since XXXX, and double billing is the only possible explanation. I am saving the complete lists from both cards, and find they are almost but not quite the same - often a few cents difference, to the same recipient on the same day. This may be a way of disguising it. But I have no doubt that this is what they are doing.

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 08/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing statement

Complaint: Automatically charged the Auto Rental insurance with the new AMEX credit card. 
I did not explicitly asked for auto rental insurance for the new card and already got insurance via the rental agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have four student loans with Navient, previously they were with XXXX XXXX but were switched. When I took the student loans out I was informed there would be different repayment options and if I do get behind on a payment I receive phone calls stating that they can help me lower my payments and to discuss my options. I call and they never give me any options or help to lower my monthly payments, they tell me there is no other options. My mother, who is also a co-signer, has called also to ask about my options and they tell her the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.

Company response to consumer: Closed with explanation