milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.

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 03-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing/Cancelling account

Complaint: The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Unsolicited issuance of credit card

Complaint: They changed the type of credit card form a low interest rate to a higher rate card with out my approval. When I asked about it I was told that it was too lat to change it back. The person that changed it was a teller WITHOUT my consent.

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 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hi there! I am filing this complaint in regards to the recent Equifax Hack. I visited Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) and checked my Last Name/Last 6 Digits of SSN and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As a result I am filing this complaint. I believe my info was mishandled in being included in this hack. 

Thank you! 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My husband and I have auto insurance coverage with XXXX for over a year. Today I received a notification from XXXX stating my husband can no longer be under the insurance because of a recent information received by LexisNexis Consumer Center. The information received was XXXX happened XX/XX/XXXX and removed by judge in court on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: XX/XX/2016, I noticed that Capital one had charged me a {$39.00} annual fee. I knew that I would never willingly sign up for a card that carried a fee like this. I called and complained and they eventual removed the XXXX fee. 
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.

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 01-10-2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Credit card protection / Debt protection

Complaint: I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. 
I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. 

And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. 

I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Transaction issue

Complaint: In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Auto) with Monterey Financial Services LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed XXXX chapter bankruptcies on my credit report thru Equifax starting XX/XX/XXXX I have done the inline disputes as well as the disputes via USPS. Each time Equifax continues to verify these and other things on my report without proof. I recieved notifications from equifax stating to call or mail The BK court here in Massachusetts on XXXX XXXX then 2 weeks later at anothr address at XXXX in XXXX, ma. I called the BK court and asked the clerk about Validation and Verification with the Credit bureaus. The clerk told me that they do not report, inform, validate or verify anything to credit bureaus or any other outside enitities. If that is the case then how are they verfifying this information. They also violated the FCRA by not adding the term consumer disputes on my credit report, i have proof of these things. Equifax also continues to validate and verifyother account and inquiries on my credit report that are lowering my credit rating, things that should n't be there as well. I have sent many letters to them, and have called, theyre very unprofessional and semi corrupt in the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing LLC is dual tracking while my HAMP application is under review. It has sent me a letter threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX/XXXX. File # XXXX/ XXXX/XXXX. XXXX offered a settlement agreement for {$230.00} which I accepted. XXXX reported same as paid as agreed, XXXX balance per attached. XXXX and XXXX removed the item in it 's entirety from my credit reports. Experian refuses to show a XXXX balance or remove line item, although I have provided proof of same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gregory Alexandrides, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A lien was placed against my property by the XXXX after they received notice of a bankruptcy filing in XXXX, the amounts in which they have placed an illegal lien was covered in the bankruptcy. The company has refused to communicate or share account information upon request. In addition, I would call XXXX XXXX XXXX they would say, we can not assist you as your account is still with out Debt collectors office. I am refinancing my home and was told of a lien being filed in XXXX, I made multiple attempts to obtains he payoff from XXXXthrough XXXX/XXXX/XXXX until I overheard a conversation stating they were delaying the response to file another lien and to add more money on the pending lien in question. 
XXXX XXXX XXXX office assisted with getting the lien payoff letter and it went from {$630.00} to {$8300.00} from XXXX to XXXX with a per annum of 6 %. Mind you, I filed bankruptcy in XXXX XXXX, discharged XXXX and second discharge XXXX, the same debt collecting co Law offices of Gregory Alexandrides submitted a claim of XXXX to the bankruptcy courts for a lien from XXXX thru XXXX ( was not aware of this lien either ), but within the same allotted time of 3 years of this current lien XXXX through XXXX their is a {$5000.00} excessive fee of charges. Please note the ledger submitted has always been handwritten and very unprofessional which makes it easier to commingle funds and fraudulent activities to be altered. 
My issues is they created a debt by refusing to communicate or share details of the account, secondly, how can a lien of XXXX accumulate XXXX in fees and interest when no notices or information has ever been shared. 
I believe they ( Law Offices of Gregory Alexandrides ) are aware of their unlawful actions and practices and will take advantage of those who they feel do not have a voice or say-so in how things are being done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.

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