milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached XXXX email from a company I asked not to submit my credit to all these different banks and they done it any way. 
he following information is part of your credit history and is provided to others. 

XXXX XXXX BANK Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX CREDITXXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 THESE ACCOUNT LISTED BELOW ARE NOT MINES AND SHOULD BE DELETED. 
1. XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

2. XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

3. XXXX XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

4. XXXX BANK DELAWARE Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

5. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

6. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off.

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 01-10-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: To whom it may concern : XXXX has charged me for 2 months of unauthorized recurring charges to my credit card. 
I am requesting a refund of these unauthorized recurring charges. XXXX caused my card to be overdrawn, which incurred interest charges XXXX took it upon themselves to charge me without authorization. This is fraudulent behavior. 
I have contacted my credit card company to dispute these charges. 
I have also sent a message to XXXX. 
I will also notify and file a complaint with the XXXX XXXX. 

I am requesting reimbursement,. 
Thank you for your time and consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States - XXXX Customer Support Phone Numbers XXXX XXXX The following is an example of XXXX unethical and fraudulent unauthorized recurring charges : This an example of a person that experience the same issues that I am experiencing with your company. This example was discovered during my research of this issue. 

XXXX Unauthorized credit card changes and unethical behavior. 
XXXX XXXX XXXX XXXX, 2016 " I recently found out XXXX had signed me up for auto renewals without my expressed consent. I never received any kind of reminder or receipt of any kind of auto renewal and have now paid for a service I never used. I am now trying to seek reimbursement for this amount but it is still ... '' XXXX comments United States, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Problem with additional add-on products or services

Complaint: World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This complaint is related to the resolution of the CFPB case number XXXX. Despite of my efforts to fix this problem and despite this complaint has already been resolve ; Transunion reporting agency do not care about the resolution in relation to my case. They keep reporting the wrong information, Transunion stated that only the collection company can delete the information, the collection company stated that they already deleted the information with transunion the same way they did with the other CRAs. 
Again this is in reference to the CFPB case number XXXX please read the resolution. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times, I was told by this fraud unit my cards will be here by 5 days. Look I have no cards nothing at all ... Just agents that were rude and disrespectful to me on the phone!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I mailed a certified letter to this company asking to provide my signature showing I applied for services. I received a copy of the contract terms back but 30 days letter this had not been updated on my credit report as verified so I mailed another letter stating that since this was NOT reported it had to be removed. I never received any info and it has been about 6 months and it 's still showing on my credit report after many many more letters that followed.

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 01/29/2016 about Debt collection (I do not know) with Machol & Johannes, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was recently contacted by a bankruptcy attorney who informed me I had a default judgment against me in XXXX XXXX, WA. I was surprised as I had not received notice in the form of a summons or complaint, nor served in any manner. I found the judgment at the XXXX XXXX site online and paid {$25.00} to download the case file through the XXXX XXXX site. I was shocked to discover a process server submitted an affidavit of service that was incorrect and included a physical description of me that was not at all accurate - and, this affidavit was submitted by a collections firm, Marchol & Johannes, XXXX, WA office, to the court as proof of service.

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 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2013, I started working for a public school and learned about the loan forgiveness program. I called Navient ( my student loan servicer ) to consolidate my loans to qualify for loan forgiveness. They said that their income based loan would qualify me for the loan forgiveness program. I consolidated my loans, and AGAIN asked " does this qualify me for loan forgiveness program? '' They told me, " I was all set! '' They also stated that there was no form to submit for loan forgiveness until I completed 120payments over 10 years so I did not follow up sooner. Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program, and that I needed to consolidate my loans through the US department of ED. I was furious!!!!!! I have been paying for 4 years and was misled by this company completely!!!!!!! Now I have consolidated my loans through the US department of ED in a direct loan, and have ONE payment toward my 10 years. This is so wrong by Navient and I am devastated!!!!!!! I just lost 4 years of payments. I will fight for that to be forgiven. They mislead me completely!!!! Please help me resolve this issue. I feel so violated ... I have never been late on my loans, I want those loans to count toward loan forgiveness-I have done right by my student loans. Navient was dishonest, and misled me ... 

Sincerely, XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my XXXX year old married daughter is on my report ( XXXX ) she should not be on my report. I do not co-sign for any of my Children. One of the address is wrong, XXXX is the only address. XXXX is wrong ...

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 12-08-2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX 2017, I was in credit card debt and could not pay my monthly expenses plus the household bills. I enrolled in a debt relief program with XXXX XXXX XXXX and they took all of my outstanding debt and are helping me resolve/satisfy with my creditors. I sent written notices to all of my creditors indicating that they are to contact XXXX XXXX XXXX and provided their address and phone number regarding the outstanding debt. 
My credit card with XXXX XXXX XXXX was one of the accounts in the program. They use Admin Recovery LLC as their collection agency. Numerous calls and most recently yesterday XX/X/17 they contacted my XXXX sister looking for me and also my nephew on his cell phone. How is this legal that these companies can contact family members with my personal business that I do n't want anyone to know about??? The phone calls are borderline harassment and I just left a detailed message for the contact person at Admin Recovery XXXX and advised to no longer contact my family members or myself and they need to reach out directly to XXXX XXXX XXXX and provided their contact information.

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 06-07-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I have maintained a large balance in a Capital One Bank, NA " rewards '' checking account for several years. Over time it has been credited with over XXXX rewards points which I have never used. In addition, my wife has a Capital One Visa credit card with a " rewards '' feature as well. About XXXX days ago I received notification that the Bank was terminating the " rewards '' feature for the checking account effective XXXX XXXX, XXXX. I telephoned customer service shortly afterwards and inquired whether the accumulated rewards in the checking account could be transferred to my wife 's credit card account. A representative by the name of XXXX checked and told me the points were transferable, I did not have access to my wife 's credit card at the time, so I said I would call back when she was home. 
Yesterday, XXXX/XXXX/XXXX, I called back to do the transfer to her account and I was told that it was not possible. I asked for a supervisor and spoke with a person who identified herself as XXXX. She confirmed that it was not possible to transfer banking rewards to credit rewards any longer. She said the company changed transfer policy in XXXX XXXX. She also indicated that transfers between credit accounts was reinstated in XXXX of XXXX, but not between checking and credit accounts. I requested a copy of the Banks notification for the change of transferring between accounts since I could n't remember ever seeing any notice in XXXX XXXX. She said she was not able to send a copy of the notice she indicated had been sent to me. When I pressed harder she checked with another department and told me it is available in my branch office. Since Capital One has no branches in XXXX I was told I was pretty much out of luck in getting a copy of the notice that was supposedly sent to me. She had no explanation as to why I had been told by " XXXX '' I could make the transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, XXXX Bank of America sent me a copy of the appraisal used to estimate the market value of my home. According to the letter appraised value of my home is {$380000.00}. When I reviewed the appraisal completed by Bank of America I found the report based on incorrect information using my home was built in XXXX. I gathered information from the XXXX XXXX XXXX XXXX XXXX 's public records. According to XXXX XXXX Assessor records ; my home XXXX XXXX XXXX XXXX, CO XXXX was built in XXXX XXXX Story/Ranch, Total Above Grade Area XXXX. XXXX XXXX XXXX {$360000.00} and XXXX XXXX XXXX {$29000.00}. 
The XXXX comparables used by Bank of America were ; XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX. XXXX XXXX XXXX {$430000.00} and XXXX XXXX XXXX {$34000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX XXXX Market Value {$400000.00} and XXXX Assed Value {$31000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Area XXXX, XXXX Market Value {$350000.00} and XXXX Assed Value {$27000.00}. 
I want Bank of America compare with XXXX home with same sizes and XXXX story home with my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD Bank does n't allow external applications to access checking account, apps like XXXX pay, XXXX pay, XXXX XXXX XXXXXXXX, unless I visit a branch. Unfortunately I am a long haul truck driver and while on the road I do n't have the ability to visit the branch as readily available as others do, so I am prevented by the bank from accessing viable alternative payment methods that can enable me to save money on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have applied for several loans for my XXXX sons ' college education. 
All of them - except one - had interest accrue only after them left college, and payments were to slated to begin until after that time. 
After my youngest son completed college, I expected to start repaying the loan from Navient, and upon receiving invoices I noticed that the total due was about {$5000.00} more than the actual loan of $ XXXX. 
It was only then that I noticed the paperwork was different from all the other loans I had secured. 
This does not seem correct, especially as I was unemployed when I had secured this loan. 
I wrote to Navient several months ago, and never received a reply and there is no record of my sending the message in my account file. 
I am wondering if this is the " alleged mistreatment of borrowers '' that your department is investigating within this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.

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