milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I opened a Comenity Bank credit card account through strong promotion of a XXXX XXXX agent. It has the name of " XXXX XXXX XXXX XXXX XXXX ''. XXXX charged the card for a XXXX membership fee without my preauthorization when I was traveling overseas between XX/XX/XXXX-XX/XX/XXXX. I did not realize XXXX XXXX had made this unauthorized charge until I received a phone call from a bank agent because they did not receive payment for the charge I was not aware of. I contacted XXXX according to the instruction of the bank agent. XXXX agreed to refund the membership fee they illegitamently charged ( reference number XXXX ). I closed the Comenity Bank credit card account immediately after I talked the the first bank agent because I did not want any more unauthorized charges nor related late fees. However, the late fees from the bank kept on accumulating even after XXXX refunded the membership fee and the credit card closed. What was more troublesome was that the bank would not stop making harrassing phone calls. The callers never seemed to understand the matter they were calling about and were not interested in listening to my explanation. <P/><P/>1

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have lost faith in nationstar mortgage, after they baught out XXXX.natiinstar has constantly had misinformation, about my current loan.i was told i would get an escrow overage check in XXXX of over XXXX have not recieved said payment.i have talked to many reps at nationstar to date.ihave continually met a fight to get the correct information from any XXXX reps from nation star.i had submitted a complaint to nationstar about my principal payment being so low and my interest and escrow are way offset! at that time i have decided to withhold payments until i can get help on this issue.i requested a full ecrow printout, and a full payment history with nationstar.i am also going back to XXXX for the same information.i can not afford a private attorney.so here i am.i get no resolve from reps answers at nationstar, noone has the same dates, amounts, or basic information.i believe that they are in breach of basic contrct.die to misrepresentation of funds information, and basic accuracy of said mortgage information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio recovery keep reporting that i per a debt from several years ago and was not contacted before putting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (I do not know) with The Law Offices of Mitchell D. Bluhm & Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Debt collection (Auto) with AUTO TRAKK LLC (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquires are not mine

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 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Issue Credit Reporting company 's investigation : Problem with statement of dispute Initially I sent the bureaus letters about inquiries, about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries. 
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 06/22/2015 about Debt collection (I do not know) with Williams & Fudge, Inc (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). 

I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. 

Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. 

Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. 

The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear CFPB, I am writing you today because while reviewing my Experian credit report ( Report # XXXX ), I noticed several unauthorized inquiries being listed by Experian XXXX. XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : 1 ) XXXX XXXX ON XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX 3 ) XXXX XXXX  XXXX ON XX/XX/XXXX 4 ) XXXX XXXX XXXX ON XX/XX/XXXX I have attempted to resolve this issue with Experian, all to no avail.

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 02/14/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name 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 06-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has removed delinquent items from my credit report, yet my score never changed. My report now matches the other XXXX agencies where my score is XXXX is near XXXX. I need them to explain why my score with Equifax is XXXX, nearly XXXX points less than the other XXXX agencies ( See Attachment ). How is it I 'm almost XXXX points different between XXXX agencies? 

Equifax never mentioned in writing why TAX liens that were RELEASED, not paid as the State of CA. Filed them in error were not removed. As per the law they should be removed since Equifax did n't return an answer within 30 days. The TAX lien has been removed by the other XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: APR or interest rate

Complaint: I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.

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 11/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was rong illed and XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted .. the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via XXXX, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store ... this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX XXXX in XXXX XXXX XXXX for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our po box a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact  you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}

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 09-08-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.

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 monetary relief