milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Medical) with Unlimited Progress Corp (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with SVI Group Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a refinance application through SVI Group inc, XXXX XXXX ( the company ), XXXX # XXXX, XXXX # XXXX. XXXX XXXX works on my loan process, all communication with XXXX XXXX XXXX to company 's email account, ower of the company, XXXX XXXX XXXX XXXX XXXX XXXX can review. 
On XXXX XXXX, XXXX, XXXX XXXX offered 3.625 % 30 years fixed, no cost no fee on my investemnt property, total loan amount {$340000.00}. I agreed and let the company work on my loan. 
on XXXX XXXX, XXXX, I signed all docs ( including tax transcript request form XXXX ) and sent back to company On XXXX XXXX, XXXX, the company locked the rate at 3.625 % for my loan. 
On XXXX XXXX, XXXX, the company ordered tax transcript to IRS. 
On XXXX XXXX, XXXX, I felt the loan process was dealyed and sent email to ask the progress, XXXX XXXX replied it only has XXXX condition ( not mentioned what condition ) and the loan will be closed by the end of that week. Later on same day XXXX XXXX ), XXXX XXXX sent me email say tax transcript was rejected, and I needed to prepare by myself ( not mentioned how many transcripts ). 
On XXXX XXXX, XXXX, I prepared XXXX tax transcipt, sent to the company, no reply on that day. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX more transcript, I prepared XXXX, XXXX transcript, and sent to them at XXXX. At XXXX, XXXX XXXX said they would upload to lender ASAP. 
On XXXX XXXX, XXXX, I sent emali to ask how to process my loan since the lock was going to expired. XXXX XXXX said if the lender cleared to close before the lock expired XXXX XXXX/XXXX/XXXX XXXX, they would extend my loan, otherwise they would relock. 
On XXXX XXXX, XXXX, Friday at XXXX, I sent email to ask the company extend my rate, XXXX XXXX replied at XXXX, said the loan was not clear to close, and the rate had gottern better, they would continue monitor for relock at 3.625 % for me. 
On XXXX XXXX, XXXX ( Sunday ), rate expired. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX sent me email said the loan was clear to close, but the rate was deteriorated and gave me the updated market ( 3.75 % ), I could n't agree to higher rate than 3.625 % as they offered. 
First, the company offered 3.625 %, then they got the job to work on my loan, they should close loan at 3.625 %. 
Second, the company delayed to order transcipt to IRS ( I sent all document on XXXX XXXX, XXXX ), they ordered on XXXX XXXX. It 's 20 days ' delay. 
Third, the company should let me prepare tax transcipt earlier, not as they did at XXXX on XXXX XXXX, only 7days left until the rated would expire. 
Fourth, the company 's delay caused my loan delayed, they should take responsibility to extend my rate, but they did n't, and told me the rate had gotten better and would relock at 3.625 %. But they never relock at 3.625 % since then. Now the rate goes up to 4.5 %, I lose at least XXXX points ( XXXX XXXX % = XXXX ) and appraisal fee ( {$520.00} ). I want the SVI Group inc, XXXX XXXX to cover my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: I had deposited my tax check from refunds plus in my chase account they restricted my account so that i couldnt use my money out of the account even when the check had cleared. I got a letter from the fraud department saying they was going to close my account after 10 days if they can not verify the funds is have jump through all the hoop they asked my to do to the t and they still will not release my money after giving them all the information and all the steps they asked me to do. i have since been evicted and have been living in an hotel me and my XXXX kids this started on the XXXX/XXXX/16 it is now XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Deposits and withdrawals

Complaint: I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Auto debt) with Byrider Franchising, LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (AZ).
Issue: Fraud or scam

Complaint: I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service representative.

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
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I opened a checking account at Bank of America and applied for a Visa Debit Check Card. I received a temporary card that is misplaced or even stolen. I need to file this complaint to assure that no fraudulent activities occurred on the missing temporary Visa Check Card.

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 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have spoken with this company several times I never took out this account and I want it removed

Company response to consumer: Closed
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Having issued three cease and desist letters for them to comply. I called about illegal negative actions they were attempting to conduct. Even though I have initiatied this conduct the gentleman who called me b came anusive and disparaging towards me ; despite I can contact them to discuss this matter he refused citing the cease and desist and disenfranchised me from recourse with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Credit card protection / Debt protection

Complaint: Dear Sir or Madam, Copied is a letter I wrote to Chase VISA Merchant Disputes Division who claim the charges are valid. If this does not get resolved I will consider suing them and the company that fraudulently took money from me because I gave them permission to and signed these stupid contracts with them. 
The following is a recent letter I mailed to the Merchant Disputes. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Merchant Disputes XXXX, XXXX XXXX RE : XXXX ( My account ending in XXXX ) Dear Sir or Madam : I recently received a letter from you and I dispute your decision. For the following reasons. In my opinion XXXX, also known as XXXX is a scam. These people are telemarketers that are very skilled and professional at what they do. They have fraudulently charged for services, that they refer to as packages, that were not rendered. 
All but the XXXX were completed. The rest of the packages that I paid for were not. I deserve to be at least refunded for the services that were not provided to me by this company. XXXX does not cost anywhere near the amount that they charged on my credit card. They charged a total of {$14000.00} on this credit card and I got absolutely nothing for it. They charged my credit card and promised that my XXXX would be in XXXX, that I would get an interview with XXXX, that it would be XXXX and put on the XXXX XXXX and XXXX across the states. They also promised that my XXXX would be reviewed in the XXXX, sold online, and that I would get 100 % of the XXXX. Well I got no completed XXXX, nothing. I demand that I get refunded at least {$12000.00} of this money!! They can keep the rest. I was robbed. It is unjust and unfair. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i keep calls from allied interstate saying i owe a student loan from XXXX yr ago. but the loan does not have my ss # on it. XXXX XXXX the person i spoke with stated that she looked on my credit and she would change the ss # to mine because it was a typo. i explained to her that i had paid my loan that i had. she stated that they were going to garnish my wages. i do n't know how they are going to do that when that is not my ss # .i am tired of these people calling and treating me. The school is no longer in business and the director was arrested on fraud charges.

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 03/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX XXXX a fraudulent credit card account was opened in my name at Capital One. I learned about this in XXXX XXXX when obtaining a loan for a vehicle for the company I own. This was the first knowledge I had of this, since I had received no statements or other correspondence from Capital One regarding this account. I have been having a mostly one-way correspondence with Capital One ever since through phone calls, faxes and written letters requesting information and investigation. 

When no real information was coming from Capital One, I recently filed a police report and their investigation is currently ongoing. A copy of their report so far is attached. I also finally received requested copies of statements from Capital One - ones I never received in the mail at the outset. Both are attached here. I sent both of these to the XXXX, XXXX XXXX and XXXX yesterday in an effort to clear this fraud from my credit records. I have also requested from Capital One, but not received, a copy of the application for the credit card. 

I continue to get letters from Capital One despite all my correspondence with them, saying that I am responsible for this fraudulent debt. A copy of the most recent is attached here. The attached statements, which took 5 months plus to get from them, show that the whole amount was transacted in one day, in many small increments, from one ATM in XXXX. I have never been to XXXX, I have never used an ATM, and I have spent no small amount of time writing to and in conversations with many different representatives at Capital One. I do n't understand why Capital One has n't considered the circumstances and mode of withdrawal of these funds to be suspicious or possibly fraudulent. See attached letter from Capital One dated XXXX XXXX, XXXX. 
I am filing a complaint against Capital One for tarnishing my credit rating without proper investigation following repeated requests and for their failure to reasonably communicate with me about this incident.

Company response to consumer: Closed with explanation