milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX, after learning of an erroneous collections notice on my credit report from my mortgage broker, I filed a dispute with Experian. The incorrect collection notice was for medical expenses originated by XXXX XXXX XXXX, XXXX for services received in Oklahoma. I have never visited Oklahoma, let alone received medical treatment there. On XX/XX/XXXX, I received notice from Experian via E-mail that the dispute investigation was complete and the erroneous information remained. When I followed up by phone on XX/XX/XXXX, to ask why the error was still on my account, I was XXXX told by the Experian operator ( XXXX? ), that the creditor confirmed it was me ( impossible since I have never even been to the state or am in any way remotely connected with Oklahoma ). However, upon further investigation by the Experian operator, it was determined this dispute was inexplicably cancelled on XX/XX/XXXX, thus automatically triggering a notice to me of the egregiously incorrect information remaining on my file. The Experian Operator could not identify who cancelled my dispute or why. During that call, the Experian operator re-opened my dispute and provided me with contact information for the creditor. Adding insult to injury, the contact information from Experian for the creditor ( XXXX XXXX XXXX, XXXX ph XXXX ) leads me to a disconnected telephone number. I happen to have known this number was disconnected in XX/XX/XXXX ( prior to receiving my results from Experian ) because I tried calling them when I XXXX learned of the error on my XXXX credit report. 
My concern is Experian did not exercise proper diligence in their initial review of my dispute ( it is currently being re-disputed ). Because of this incorrect information remaining on my report, my credit score on Experian fell from XXXX ( XX/XX/XXXX ) to XXXX ( present ) - a fall of more than XXXX points. In contrast, XXXX removed the erroneous information from my file in XXXX business day. Experian 's failure to effectively review and remove the incorrect information is also striking in light of its clear inconsistency with all the other information on my report. What 's worse, I PAY Experian to receive credit report updates! I 'd hope Experian would have a higher standard since I pay them for services. To the contrary, this has been personally damaging and frustrating. It adversely effects me and my young family. My hope is the government holds Experian and other credit bureaus ' feet to the fire when it comes to allowing damaging and inaccurate information on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.

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
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My boyfriend and I have been banking with U.S Bank for a little over a year now. Unfortunately for us and many other americans we have had some unexpected expenses. Recently my vehicle was in the shop and it 's expensive. I have medical payments that continue to grow each doctors appointment I attend. And due to this we have been struggling to make ends meet, with all the overdraft fees we have been assessed. It 's a pattern that 's been very hard to stop since our paychecks are short because of the fees we have been paying US bank. I request the {$180.00} dollars worth of fees to be reversed so it would allow us to get back on our feet and was turned down by a bank who is not compassionate and wo n't consider refunding {$180.00} dollars worth of fees. But it 's ridiculous that these large banks make money off of hard working individuals who are n't millionaires and I can guarantee if I was a rich the fees would of been reserved without hesitation. I do n't understand how it 's okay for a bank to pay a item and charge you a fee when it 's at their discretion. I am writing this so other consumers can be aware of what type of business U.S Bank is. And unfortunately we will be looking into switching to another bank. We recently had a payment go through for homeowners insurance for a little less than {$15.00} dollars and got hit with a {$36.00} dollar over draft dee. We paid rent and we were short no more than {$15.00} dollars and for hit with another {$36.00} fee. All I want is the XXXX dollars of fees to be reversed as a courtesy to allow us to get back on our feet and us bank has wasted my time. I have called, I have emailed them and I even went on social media. This is outrageous and I hope no one else has to go through this. Please please please stay away from this bank that only wants to make money off of young adults and poor people!

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
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with FIRST HERITAGE CREDIT LLC (MS).
Issue: Problem when making payments

Complaint: At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I originally borrowed $ XXXX to pay for my XXXX degree at XXXX University. I have made payments in the amount of $ XXXX but none of the payments have reflected in my principle balance. I had applied for a loan consolidation to see if I qualified for a lower monthly payment but I never approved the consolidation, I was waiting to see if the repayment options would be beneficial but they are not. Without approving the loan I know owe $ XXXX which is almost double my loan amount. The new terms of the loan call for me to make $ XXXX monthly payments for 30 years. That 's an insane amount of $ XXXX on a loan of $ XXXX that I 've already paid $ XXXX on. How do they get away with charging me 6 times my original loan amount?

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.

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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My account is impacted by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion I need to asked you. You claim that you verified XXXX and refused to verify it again per your statement I need to ask How did you verify this information and its not my account! if you look at the attached files the account that you are reporting is not even close to the account number that I was assigned with XXXX. Transunion you have lied to me caused me a lot time for your XXXX because of your Negligent 's I urge you to delete this account today. I do not want XXXX card to report anything about me Until they send me a complete contract and terms that this is indeed my account. because this is not my account I will Notify my local police tomorrow and report a fraud report and contact a lawyer to sue I REPEAT I NEED YOU TO DELETE THIS ACCOUNT TODAY. YOU CAN LET XXXX CARD KNOW THAT THEY WILL HAVE TO SEND ME A CONTRACT IN ORDER FOR THEM TO REPORT ANYTHING ABOUT ME AS DUE FACT THAT THIS IS NOT MY ACCOUNT ALSO XXXX UNVERIFIED ACCOUNT PHYSICAL PROOF WITH MY SIGNATURE ATTACHED ALSO ALL CREDIT INQUIRES THAT IS MORE THAN 30 DAYS OLD

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 09-12-2016 about Mortgage (VA mortgage) with BAY EQUITY LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I received a letter from USAA indicating that my credit cards are being closed due to 'unacceptable behavior or activity '. I called USAA and they will not explain the behavior or activity that was 'unacceptable ' to them, nor will they reconsider opening the accounts. This is significantly detrimental to my credit history as this was XXXX of the XXXX credit cards I opened over 10 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (TX).
Issue: Lost or stolen money order

Complaint: I PURCHASED A MONEY ORDER TO PAY MY RENT ON XX/XX/2016. THE MONEY ORDER WAS LOST AFTER i MADE OUT THE MONEY ORDER TO " XXXX XXXX XXXX ''. WHEN THE MONEY ORDER WAS LOST, I MAILED A LETTER WITH COPIES OF THE FRONT OF THE MONEY ORDER AND THE MONEY ORDER RECEIPT TO WESTERN UNION FINANCIAL SERVICES IN XXXX COLORADO. ACCORDING TO THE USPS THAT WAS RECEIVED ON XX/XX/2016. I HAVE CALLED THE CORPORATE OFFICE 3 DIFFERENT TIMES AND I HAVE EMAILED THE REQUIRED DOCUMENTATION, AND I STILL CAN NOT GET A STRAIGHT ANSWER. i AM XXXX, LIVE ALONE AND I AM BEING EVICTED. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I opened an checking and savings account with Chase bank last week, This Monday I called and closed the account because the funds transferred from my XXXX mastercard/atm card was taking to long to appear on my accounts, I called Wednesday to check the status of my money being returned from Chase bank to my XXXX bank account ( where the original funds came from ) and they state they cant find my {$50.00}. It is mandatory you deposit {$25.00} to open an each account ( checking and savings ). I have called Chase and my bank XXXX to try to resolve this issue because it is causing me financial hardship, either bank will confess to the error or fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Payday loan) with Streamline Recovery Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.

Company response to consumer: Untimely response
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had my own XXXX account!!! 
XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They will not respond to any of my disputes. 
" Legal Item '' XXXX for $ XXXX this was paid and closed. This is the same debt as the XXXX XXXX XXXX account for {$500.00} that now has a {$0.00} balance. Update this to a {$0.00} balance immediately, as can be verified with the XXXX XXXX XXXX / XXXX XXXX Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have two bankruptcies being reported and filed a dispute along with documentation showing they are being reported wrong. I called into Trans Union to ask the status of my investigation and was told it was verified. I then asked please tell me how this was verified. First they told me they could n't give that information out. After stating that the law states you must supply how it was verified they person said the court house verified with my name, addresses, and social security number. I then stated that was also false since the courts will not verify any information to any credit beauras or third party companies, and also stated that a letter stating that from the court was included in my dispute. I have now sent in a 26 page report from XXXX who provided federal courts info showing that the bankruptcies are incorrect along with a letter from the court stating they wont verify any cases.

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 12/30/2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not have outstanding debt and recently paid off any debt with collections. The number XXXX has been calling my cell phone numerous times everyday but leaves no message. I googled this phone number and found out that it belongs to a scam Medical Collection Agency which currently has lots of law suits against them. 

" ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' I would like the company to cease any sort of communication with me as I believe this to be harrassment and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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