milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 09/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with NAVY FEDERAL CREDIT UNION (NV).
Issue: Other

Complaint: The credit union has robbed me blind. They took money from XXXX ( a student loan ) and paid an unsecured credit card of XXXX with it. XXXX can not file bankruptcy on the money that was just stolen by Navy Federal Credit Union and she needs it for school. She needs it refunded immediately. They have unlawfully stolen it from the account. This is an outrage and we are heavily contemplating legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.

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 GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax wrongly changed my last name on my credit report, and deleted all of my previous credit history, and started a new credit report. After several attempts of explaining the situation, XXXX supervisor found my old report and promised to combine with the new XXXX. They had XXXX credit reports for me with the SAME ssn. I initiated a dispute to have this corrected, they only updated my last name to the correct XXXX. ALL of my previous credit history is gone. I have been denied credit due to Equifax reporting my credit history incorrectly. It shows that I only have XXXX months of credit history, and I am XXXX years old with a mortgage, car loans, credit cards, etc. All of this showed on my credit report as recently as XXXX 2014. None of it shows now, and it is all current information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.

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 01-06-2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.

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 Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I used PNC Bank. On XXXX2016, I ordered a check to be sent to my landlord, XXXX XXXX from PNC via their bill pay service. My landlord contacted me on XXXX to say she never received the check. The check was cancelled, but two days later it was found to have been cashed at a XXXX back. I had to write another check to the landlord to cover the rent. The dispute process was started, my landlord signed an affidavit and had it notarized stating that she never received the check. The check itself was cashed at a XXXX bank, and it was endorsed with my name ( XXXX XXXX ) as an obvious forgery. Clearly whoever cashed the check did not check for identification. PNC stated that the needed 4 months to complete the invesitagation, which was on XXXX/XXXX/2016. There response was that they had not heard anything from XXXX bank, and they suggested that I contact XXXX bank to solve the problem. I do not have any connection with XXXX bank. I followed PNc bank 's process to the letter, and I have done nothing wrong. Dispute number : XXXX Spoken to XXXX XXXX in customer service online message center.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & Transunion

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 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( transunion and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( transunion ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( transunion, XXXX, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

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 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I opened a secured credit card with my own money with Capital One and later decided to close the account because they were charging high interest on my own money. They close the account and report a balance of XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with SYNCHRONY FINANCIAL (AK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Synchrony bank the issuer of my sams club MasterCard will not apply a payment towards the balance, if made on the XXXX, or the XXXX. A payment made on these dates will reduce the balance, but will not be applied paying off the previous months balance to not incrue interest charges. A payment made between XXXX of the month does not apply to the next month either. It is received but will not to any balance for interest consideration. They will charge interest on the previous months balance if that balance was not paid off between the XXXX to the XXXX. They 're terms and conditions do not explain this. I find it predatory and deceptive. I will attach their policy.

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 11-10-2017 about Payday loan, title loan, or personal loan (Title loan) with AAA Auto Title Loans, LLC (AZ).
Issue: Problem with the payoff process at the end of the loan

Complaint: I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: We are co-signors for a loan my son, XXXX XXXX had. Apparently, he stopped paying his loan in XX/XX/XXXX when the collection attorney assigned by Citizen 's Bank no longer used this attorney. We acknowledge he should have called the bank and resumed paying his loan. The problem is that we, as co-signors of the loan were never advised. On XX/XX/XXXX, we noted that {$10000.00} was removed from our checking ( {$3000.00} ),  savings ( {$5500.00} ) and my other son 's checking account ( {$2000.00} ) without any notice. We received a letter from the bank, dated XX/XX/XXXX but not received until XX/XX/XXXX that they were doing this. Had we known of the non-payment issue, we could have worked with my son and the bank to resume the payments and to pay towards the outstanding. When we called the bank, they said they were within their rights to do this. I disagree as the XX/XX/XXXX bank form they sent ( we have been members of the bank since XX/XX/XXXX ) showed they could apply setoffs, but they never advised us there was a dispute. This is creating a hardship to be able to pay bills and replenish my other son 's account ( which was his savings to begin paying his loan once he graduates from college ) from my retirement savings.

Company response to consumer: Closed with explanation