milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: To whom it may concern, I contacted Experian, and spoke with a representative on XXXX/XXXX/XXXX, regarding some disputes that I had. I did have some personal information updated. I also wanted to dispute the following inquiries : XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, AND XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  ON XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX ON XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Due to the XXXX XXXX XXXX I obtained a copy of my credit file, I was concerned about my report and history. I reviewed a copy of my report, which showed several inquiries that were not factual, and that I had no knowledge of. The representative informed me that I was unable to dispute any inquiries on my file. However, According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed, and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that the agent refused to allow me to dispute these inquiries on my credit report, I assume that there was, nor will be any investigation into the matter. I plan to purchase a home near the beginning of the year, and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original despite for hard inquiries that do not belong to me. I did not sign any document allowing these inquiries. I feel this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid for the same debt for XXXX in XXXX 2014 to XXXX debt collector. Now Ehnanced Recover Company is trying to continue to collect the debt wheich has bee paid in full.

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 12/23/2017 about Debt collection (Private student loan debt) with AES/PHEAA (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a private student loan on my credit report under XXXX ( XXXX ) and XXXX XXXX ( XXXX ). This loan is from XXXX XXXX XXXX. I was unaware that the loan in question was in default as I was a cosigner on a student loan intended for another person. It was only until recently I 've looked up my credit and started repairing it. I was told by a mortgage agency that I would have to get this loan resolved. I have called multiple times and sent them an email ( XXXX ) over their website requesting contact in an attempt to reach a settlement and begin repayment. I have not been able to talk to anyone by phone and received no response to my email inquiry. The mortgage agency also attempted to call AES/XXXX on my behalf with no answer. There are no other numbers listed on either credit report. Under comments it simply states written off as bad credit/sent to collections. With no information on how to contact said collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Bankruptcy

Complaint: Capitol One reported to XXXX, XXXX and XXXX that my Capitol One XXXX account ending in XXXX was " included in bankruptcy. '' I have never placed any Capitol One account in any bankruptcy filings. I have asked both Capitol One and XXXX, XXXX and XXXX to investigate, verify and validate the account ending in XXXX was included in any bankruptcy. The result of the investigation allege it was verified by Capitol One and XXXX, XXXX and XXXX. The reporting of such is false and inaccurate by Capitol One and each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Installment loan) with Ray Skillman Ford Inc (IN).
Issue: Managing the loan or lease

Complaint: I was taken advantage of when I purchased the vehicle during a Chapter XXXX Bankruptcy because I needed a car. I was charged {$4000.00} more than the XXXX XXXX XXXX rate for the car 's salable amount and then was taken advantage by the finance company because of the interest rate. I am XXXX years old and should have been given special consideration in purchasing a vehicle. 

The special consideration I was given was only giving me XXXX vehicle to choose from and the dealer falsified the paperwork to get the loan approved at an unacceptable interest rate. The finance company does not renegotiate the interest rate or do any refinancing which gives me no leverage. 
The dealer put on the application that I pay {$400.00} per month for a mortgage payment and I have paid XXXX since XXXX 2010 which I told him. Secondly, he did not write anywhere on the Application that I was in the middle of a Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collection agency would not verify this debt advising it was a personal matter when requested detailed information, would not disclose via written communication nor by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In results of address and number change I was unaware of Medical debt with XXXX XXXX. I was garnished and paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been repairing my credit for 5 years. XXXX and XXXX work wonderfully and erroneous items are being removed at a good pace. My XXXX score is XXXX, my XXXX score is XXXX ... ..and wait for it ... .my Equifax score is XXXX and it does not move. They are violating my rights under the laws that they must live by ; they must response in a certain period of time and they are not. THEY MUST PROVIDE ME WITH MY ORIGINAL SIGNED CREDIT APPLICATION, ALL STATEMENTS ITEMIZING EVERY CHARGES, AND A COMPLETE ACCOUNTING OF ALL FEE, ETC ASSESSED TO ME - THAT IS THERE OBLIGATION IF THEY WANT TO BE IN THE BUSINESS THEY ARE IN. They are not doing this and the are not sitting on the process while XXXX and XXXX are doing a great job. I am getting ready to sue Equifax for financial damages in the form of high interest rate loans do to their refuse to comply with the law that governs them. They said they have no record of me ( that 's a stall ) ; I 'm XXXX years old, they had over XXXX trade lines on me. I am calling the governors office in XXXX next, this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX at XXXX XXXX Contacted AMEX BLUE BIRD the call was outsourced to XXXX XXXX the XXXX fellow instructed me on what to do. I did as told and XXXX gave me online confirmation order # XXXX I was told by XXXX fellow I would received deposits within a day or so to the Bank account I gave him. On XXXX AMEX made XXXX deposits # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Days later I deposited. I opened XXXX sub accounts and deposited over {$2000.00} dollars days later The Bank account was tampered with for abut the same money. On XXXX/XXXX/XXXX AMEX refused to allow me to take my money. They send e-mail to XXXXXXXXXXXX with my Social Security and Pay stubs via fax to XXXX. I send the data requested and waited for my money but it was never send every time I called thereafter they would tell me then send the money to US government. They never provided a government agency phone, name and or address. I recently called AMEX BLUE BIRD a staff answered in XXXX XXXX ask for my name and account number # XXXX XXXX security code XXXX exp XXXX. The Fellow said account was suspended by security but I can opened same. I said I want my money back. He said that was the fastest t way to get my money back. He placed me on whole while waiting I XXXX/research similar issues with AMEX. The stories on line were all the same AMEX keeping people money and the outsourcing country XXXX and XXXX were accused of tampering and

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Medical) with Professional Recovery Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company refuses to work with me to find out if this is my debt. I have zero knowledge of this debt and have never received a bill only to find it on my credit report. They claimed to receive this in XX/XX/XXXX and started reporting it on my credit report 3 years later and then XX/XX/XXXX report a late payment by myself. I do NOT have a payment agreement with them. I have been trying to contact XXXX XXXX XXXX that they say this came from and there is n't any phone numbers for them. Fox Collection REFUSES to give me a phone number for XXXX XXXX XXXX as I never received a bill for them and have no idea what this possibly could be for. One person from Fox said to try the XXXX area for a phone number and I never found XXXX in the XXXX area either. They have my social security number, my birthday and an old address of mine and that scares me because that means someone may have stolen my identity. I want to get to the bottom of this IMMEDIATELY and I want this removed from my credit report ASAP as well as the false reporting of a late payment as well. I am going to you because TransUnion told me this is the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX 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 non-monetary relief
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department. 

XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed. 

Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud. 

Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint? 

I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Using a debit or ATM card

Complaint: I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX. 
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

Company response to consumer: Closed with explanation