milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: In 2016 I put credit freezes on all three credit reporting companies. XXXX XXXX, XXXX  and Experion because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and Experion and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since 2016 ) so would like the protection the freeze offers, but not the hassle.

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 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Transunion Credit Report, the account " XXXX '' should totally be removed. It was already removed from XXXX but for some reason Transunion has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

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 02/23/2018 about Debt collection (Auto debt) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for this

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 02-08-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've been telling TransUnion that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX inc is like I said.

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 06/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have recently paid {$940.00} to Navient to keep my account out of collections. They told me I would be entered into a program with a lower monthly payment, but they are now telling me I need to pay an additional {$4000.00}. They will not refund any of the money that I 've paid in the last month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Kinum, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Kinum, Inc. Corporate Headquarters XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Initial call from a XXXX XXXX CEO from kinum.com, said straight up is this " Insert Name '' with Social Security Number such and such. If wrong number, peoples identity were compromised. Never said hello, or anything to alert the other person on the end of the call what call was about. If wrong person ( cell numbers change often ), private social security number and name could have been used to create fake identity from a 3rd party.
He threatened to steal my identity and ruin my credit. Told him he had the wrong person.
I later had my Debit card compromised. My bank put a security hold on it, and I had to get a new card.
He called my work multiple times, after I told him not to, and interrupted my work. He kept leaving voice mails at my work also, I saved the last voicemail on XXXX XXXX, 2017. Even after I told him not to. I have other voice mails also from him after I told him to stop calling with time stamps, and numbers of origin.
I also told him to stop calling me on my personal number, and also to stop calling my work. I have records on my personal phone of multiple calls from him and his multiple fake VOIP ( Voice over internet protocol ) phone calls. And also record of voicemail at my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (RI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have been charged a {$5.00} late fee from Chase Auto, every month since last XXXX. They changed my due date even though they say they didnt. My auto loan was always due at the end of the month and all of the sudden it was due the XXXX of each month, Chase said we changed it online, but my husband nor myself have ever requested to change the date, I tried to explain that there must be a mistake, but it was to no avail. I have inquired about it several times but Chase refused to change it back, so my husband and I paid in the middle of the month as our mortgage is due at the beginning of each month. I have explained this to Chase multiple times, but again they wont change the due date back. Well, on my last statement I had a random {$55.00} extra on my bill, when I inquired about it, Chase stated it is a late fee of {$5.00} going back to last XXXX. I stated that I have been paying {$320.00} every month ( our note is {$310.00} ) to include the {$5.00} late fee, so that I already had paid the late fees. I however, paid the {$55.00} late fee because they were calling my husband and myself threatening us over {$55.00}. So as to be sure we didnt have any past due balance, I went ahead and paid the {$55.00} extra, and decided I would take it up with Chase after it was paid. And, I did, Ive documented with screen shots- the {$5.00} fees they placed on our bill every month since last XXXX. I also documented, highlighted and sent the {$55.00} fees that were charged to our account, and paid, along with the proof of fees charged, going all the way back to XXXX 2016. I dont know why this is so difficult for Chase to correct, Ive literally sent them documented proof from their own website three times now, they claimed I would get a descision by XXXX XXXX, but I have gotten no emails, calls or mail correspondence from them as promised. There is no credit on my account either. We have been more than patient, but Chase is attempted to steal {$55.00} from us- on top of that they charged us twice in a month, a late fee of {$5.00}, so they actually owe us {$65.00}. I explained and showed them my payments, and pointed out that if they werent paid, I would have a past due balance still, of {$65.00}, If I hadnt been paying the late fees all along. I currently have no past due balance, so really this is all quite simple. Refund is the fraudulent {$65.00} you stole from us, as Ive sent all the documented proof. I am willing to admit when I am wrong, and will accept if I am, but Chase is wrong here, and I have the documented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Credit card) with Malen & Associates, p.c. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 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 unauthorized/fraudulent inquiries on my Equifax report and even though I 've sent letters to each of these Companies and Equifax but I get no response, and it has been 3 months. I have attached a list inquiries which should not be on my Equifax Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

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 03/27/2017 about Debt collection (I do not know) with DCI Credit Services, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Using a debit or ATM card

Complaint: XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH THEM?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Account opening, closing, or management

Complaint: I opened an account at CASE, put in about {$100.00} then after a few months they transferred my money to a different account or something and then started charging me a fee. My wife went into the branch and they did n't know why the account type or transfer happened but would n't refund the fees so she took whatever was left in the account out and closed the account. Now the branch says I have to open a NEW account for them to give me back the money they stole ... I went there twice but they gave me the run around and the wait was too long. Regardless, the transferring of accounts feels like a scam, why did they do that, how can they do it legally? Why ca n't they just send me a check?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (OH).
Issue: Managing, opening, or closing account

Complaint: I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase continues to ignore my requests for information regarding the history of my mortgage and how their actions have resulted in huge financial losses for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NH).
Issue: Managing the loan or lease

Complaint: I had cosigned on an auto loan for my son in XX/XX/2016. XX/XX/XXXX we went through the process of him getting refinanced through his credit union. WFDS provided the 10day payoff and received the check for full amount on XX/XX/2016. They even sent me back a check for {$50.00} for over-payment. Since XX/XX/XXXX, XXXX has reported to all XXXX credit bureaus in my name that this account is not only still open, but that it is XXXX past due. This has caused my credit score to decrease over XXXX and counting. Noone can help me, not even the Office of the President.. there is no balance due and noone at WFDS seems to know why this is being reported and are completely disinterested in helping me. This is causing me irreparable harm at this point, preventing me from getting my own car financed. I have called everyday, faxed statements and please, dealt with the Credit Bureau Resolution Unit, disputed with all XXXX credit bureaus, etc and WFDS is doing absolutely nothing to correct their mistake ... at the cost of my hard earned 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 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation