milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: i need XXXX XXXX from capital one to call me about disputing XXXX on my account its time and i ened it done. too many different answers. i try her with all those numbers at her extension and my time is valuable i need a call after XXXX XXXX to dispiute the rest of it. i need it back. merchant will not fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (TX).
Issue: Managing the loan or lease

Complaint: One the customer service representative lied and stated that I was current on my payment in which I was n't which caused me to be a week begind. Two, they contact me repeatedly even after I tell them when I 'm going to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I contacted the Trans Union Credit Bureau because I pulled my credit report and found that there are blatant misspellings of my name, and incorrect names, and addresses, and places of employment on my credit report. I sent in DL, SS card, and a utility bill. I have made multiple calls to the CB and they refused to update my credit report, they say that they are checking into it and would receive a letter back as it should close on XX/XX/XXXX but all I received was a letter stating more information is needed and to send the same documents that I have faxed 3 x. Along with faxing the letters and proof of identity, and address multiple times I am getting now where with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Payday loan () with Midwest Recovery Systems (TN).
Issue: Can't contact lender

Complaint: This old lender continues to sell old debt that keeps showing up on my credit report after being taken off several times. Then the new collector puts it on my credit report likes its a new debt and its a debts from XX/XX/XXXX or XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: yes XXXX XXXX takeing XXXX ssi tax money {$660.00} leave her with {$0.00} 9 years should been charge off this fraud garnishment XXXX michigan treasurey now she was asking {$710.00} court cost no way. her her address XXXX XXXX XXXX XXXX mi XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
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: XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Enterprise Systems, Inc. (NY).
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: Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again

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 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 had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I wrote to Transunion on XXXX XXXX asking that a Federal Tax lien dating back to 2010 be removed as it exceeds the maximum 7 years which a derogatory items can be shown on the credit report. I got no response and a recent credit report shows no change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX 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 explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: The information showing on " Experian Credit Tracker '' monitoring website is incorrect.
The summary page shows that I have 2 " late payments, '' time since late 40 months, and 1 public record. When I research on this web site I find the 2 late payments. One of those late payments shows as XX/XX/XXXX for XXXX. I did not have a late payment with XXXX in XXXX of XXXX. The other late payment shows up under my XXXX account for XX/XX/XXXX. I did not have a late payment for XXXX. I was on the phone with Experian for almost 2 hours. 1 hour with " XXXX '' that said what I was seeing were not " late payments '' that they were about my bankruptcy. When I told him that my bankruptcy showed up below the late payment information, he refused to acknowledge that. I asked to speak to a supervisor. He came back on the line and asked questions of me that his supervisor was asking of him. When I asked him if I could speak to her directly, he put me on hold for nearly an hour. Finally, I spoke to XXXX. She came on the line and admitted she did n't know anything about Experian 's Credit Tracker product and gave me the same explanation as XXXX. She insisted that my 2 late payments were from XXXX XXXX XXXX in XXXX. When I told her that the site showed them as XXXX and XXXX, she did not believe me and would not let me send her the screen captures ( attached ). She said that if I wanted to cancel my membership, she would transfer me to " membership. '' I was disconnected. I called back and spoke to XXXX. He said I should cancel my membership and gave me a cancellation number XXXX. He said he would put me through to a supervisor that would discuss a refund with me. I spoke to XXXX. I pointed out that the website was reporting inaccurate information based on the credit report that I download from the site vs. what was being reported on the site. At this point, she said I would have to have " the credit reporting company '' mail me a credit report directly and then mail it to her in " membership. '' She added that I could n't do that because XXXX had already canceled my membership. It seems like they are doing all they can to not cancel memberships and they have no interest in resolving inaccuracies on their website.

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 11-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE FULFILLED ALL MY OBLIGATIONS IN ORDER TO ACCOMPLISH THIS. CITI MORTGAGE HAS CREATED UNNECESSARY OBSTACLES IN ORDER TO ACCOMPLISH FAILURE. A COMPLETED SHORT SALE PACKAGE WITH A QUALIFIED BUYER WAS SUBMITTED TO CITI MORTGAGE ON XXXX XXXX OF THIS YEAR. CITI DELAYED REVIEW OF THIS PACKAGE FOR A COUPLE OF WEEKS. AFTER THE INITIAL REVIEW, CITI DELAYED PLACING THE FILE IN THE UNDERWRITING DEPARTMENT FOR ANOTHER COUPLE OF WEEKS. THE FILE HAS BEEN WAITING ON UNDERWRITING APPROVAL SINCE XXXX 2015. CITI CLAIMED THAT THE TRANSACTION WAS TAKING TOO LONG - AND IT WAS, BUT CITI CAUSED ALL THE DELAYS - AND SET A SALE DATE FOR XXXX XXXX, 2015. WE HAVE A SALE DATE BECAUSE WE STILL DO NOT HAVE AN UNDERWRITING DECISION, WHICH WAS DELAYED BY CITI MORTGAGE. CITI MORTGAGE ACTION IS CLEARLY UNETHICAL IF NOT UNLAWFUL. MY HOPE IS THAT CFPB WILL ASSIST IN DEMANDING REASONABLE BEHAVIOR AND FINE CITI FOR THEIR INCOMPETENCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with MARINER FINANCE, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax has wiped out my identity. It states they have no history or record of my identity or of my credit history, which is impossible. I have excellent standing credit that is currently being reported by XXXX and XXXX, and a long history of excellent credit ( including credit cards, checking and savings, retirement accounts, and student loan accounts all in good standing ). I was also a casualty of Equifax 's massive data breach from XX/XX/XXXX, yet they say I do not have any record. 

I first found this error on Thursday, XX/XX/XXXXas I am applying for a mortgage to purchase my first home. I have received all three credit reports in the past ( including Equifax ), and continue to use XXXX XXXX to monitor my credit, which also shows a current Equifax credit score. But Equifax has blocked any lender from pulling my credit report, and when I have called 5 separate times betweenXX/XX/XXXX and XXXX, the representatives all say they have no record of me. This is absolutely impossible. I 've been asked to fax a copy of my driver 's license and social security card, which I have, but the fax number does not even work properly - it keeps rejecting my fax but hanging up. I have also asked the representative for the contact information of their legal department and, on the recorded line, stated they " do not have a legal department ''. I am now trying to find old copies of an Equifax report to send as well. My identify and excellent credit are well documented and confirmed, and in current standing. There is no reason for this to be occurring other than the Equifax 's own incompetence and own security related negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I sent out a letter asking for this company to verify that this was my loan by verifying my signature and they have not done so. This is not my loan nor my account, but yet they claim it is. I have asked twice now that they prove that it is, and they still have not. Instead they sent out a first letter or had another creditor send out a letter stating that they bought the loan then they sent out two letters to me stating that it was my loan. I need help getting them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.

Company response to consumer: Closed with explanation