milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the item with all of the agencies. XXXX has removed the item however I am not able to get the other agencies to remove it. 
This is the item XXXX credit report prepared for XXXX XXXX XXXX Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections account has been removed from your credit report. 




Account Type Removed Status Reported By XXXX Collections Removed 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 09/29/2015 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt that the VA has already paid. This is in additon to XXXX others they are trying to collect that the VA paid

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Closing/Cancelling account

Complaint: I have frequently received letters from a company, now located in XXXX, CA, called Portfolio Recovery Associates , LLC, for a credit card someone had issued from XXXX. I have filed an alert with the credit bureaus because my social security number was stolen XX/XX/XXXX ( I replaced my social security card in XX/XX/XXXX ). At that time, XXXX closed the account it had issued and I became a customer of the XXXX XXXX XX/XX/XXXX. My card was then bought by XXXX XXXX bank and I still use it today. However, I continue to receive letters from Portfolio asking me to pay off the card previously cancelled and closed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.

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 10-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (ID).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from 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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: cra violation XXXX XXXX as id theft letter XXXX report and court records

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 04/18/2017 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: While I was working at my past employer from XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, I called Navient known as XXXX XXXX that I was having difficulties paying my student loan debt. I asked if they have a programs on reducing payment, consolidating, etc. I was told that my situation that I should do a Forbearance. They never gave me an option on changing the amount, etc. They also did n't tell me that I would be charged on interest. Also, XXXX College I was attending from XX/XX/XXXX-XX/XX/XXXX and my company was paying for my tuition. I 'm starting to wonder if they gave back the financial aid. As of today, I have done a short forbearance and lowered my payment balance, but they assume that I can pay each month {$220.00}, which on top of that I have loans from XXXX XXXX that are {$1000.00}. I asked to go to an income based plan, because I am married. My husband will not pay for the loans. I have a daughter and I 'm currently making a year {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX.
I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party.
I have asked them to Cease & Desist in their continued efforts to contact me about this.
Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX  and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (OH).
Issue: Received a loan you didn't apply for

Complaint: This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.

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 02/22/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been given the run around for over 2 years on my loan modification finally I was approved and put on a trial payment and then I was denied that I did n't sign the documents on time. The problem was that they were not sending me the documents and I called various times and asked for the package. The package came in 1 month afterward and I signed the documents and then I was told not to make anymore payment they would not be accepted. The agent told me that I had to fill out another loan modification packaged. That one was denied too. Then finally I got someone who said to file with escalated cases and they would advocate for me and I can get it over turned. Except the person who handled my case was not trying to do anything to help but she said that it was denied to fill out another loan modification too. I have been going back and forth with this issue. I was just told of another denial and that a XXXX XXXX was handling my case with the escalated cases. I have been trying to reach her and have left several messages and have not been able to contact her. I call direct to her line and to the office here at XXXX XXXX and I was told that a XXXX would be calling me but he was on the phone and it would be a long time before I could talk to him. I have called 4 times today and the phone rings and rings to messages or they have caller ID and do not want to take my calls. Usually I do not call so many times but I was told I did n't follow up enough with my paperwork. 
Can you please help me with getting this resolveXXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX And Expirian  they reporting XXXX credit inquires on my credit file i only apply one time to XXXX on  XX/XX/XXXX, 2015 since then i never apply for anything.
i contact XXXX credit bureau's  in writing on the phone and fax they told me to contact the original creditor which i did but they never responded to my letters or phone calls they always telling me they will look into it after trying everything that i can but no one want to help me those inquires belong to someone with the same name or mix into my file please try to help me with it

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 09/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2016 I read a news article about Capital One offering their new " Credit Wise '' free credit monitoring app for download. They claimed one did not need an acct, which I do not have, in order to sign up. I downloaded the app on my XXXX and then opened the app and started the free sign up process. I filled out the app 's forms and at a certain point the app noticed that I already had a Capital One acct and asked me for my login and email and password. I attempted to login several times and received error code XXXX. I eventually gave up and contacted Capital One fraud dept. by telephone to notify them that I do not have a credit card acct. Their customer service team attempted to assist and could not understand why this was happening so they escalated/passed the complaint to their internal " security/IT '' team. They called back and gave me further instructions to attempt login to the " Credit Wise '' app and those failed as well. They sounded confused over the phone. Ironically, several months after this occurred I started to receive text message alerts that someone was attempting to use my Capital One XXXX card for purchases and they asked me if the purchases were valid via text. I responded " no '' and did not hear back from them. For the record, I do not have a Capital One XXXX Card nor have been able to login to their " Credit Wise '' app. I believe they have not done enough to ensure that someone illegally has a credit card in my name or have produced a valid reason why this is happening to me. After reading news about other large banks creating fake credit card and bank accounts recently, I decided to proceed to an FTC complaint since Capital One XXXX and their Credit Wise app security team has failed to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

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 02/26/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: taken to emergency room, treated for immediate issues and forced to stay in hospital for 14 day against my will and threatened to call police if i try to leave. XXXX services were not given to me and i was forced to stay in a hospital room to be finally released. i had no insurance at the time and was homeless with no way to pay. filled out paperwork to have county pay the debt but i still have account for collections on my credit report and the creditor refuses to remove account.

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 08-03-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX at Chase Commercial Services has made repeated threatening and harassing phone calls and text messages to myself and my extended family members in addition XXXX XXXX has contacted other people to include my landlord with false, derogatory, slanderous, statements about me. XXXX XXXX uses false and misleading pretense to obtain personal information such as claiming to be verifying a resume or that person was used as a reference. XXXX XXXX at Chase Commercial Services has released that personal information online, in phone calls, and in text messages to include home address and personal contact information of myself in addition to that of my extended family and friends. I have no or have never had any business dealings with XXXX XXXX or Chase Commercial Services nor am I under any form of contractual obligations with XXXX XXXX or Chase Commercial Services. I have never spoken with or heard of XXXX XXXX or Chase Commercial Services until he contacted me demanding that I send him a check or he would make my life miserable. I have retained all threatening, derogatory, and slanderous voice mails and text messages and I 'm in the process of obtaining written statements from all parties that have been contacted and harassed by XXXX XXXX at Chase Commercial Services with false, derogatory, slanderous, statements. This makes XXXX XXXX and Chase Commercial Services slanderous actions even more egregious and I believe in the case unlawful and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax breach of information. I was notified I may have been exposed, however I can not get a solid answer from anyone regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.

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 08/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained

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 12/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Application processing delay

Complaint: I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These are all inquiries that were listed thank you!

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