milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Debt collection (Payday loan) with Debt Recovery Solutions, LLC (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a telephone call from Debt Recovery Solutions on XX/XX/XXXX stating to me that I owe for a check loan and asked personal information I told them I would not give any information until they sent me validation in the mail. 
XX/XX/XXXX I received a letter from the company stating that they have validated the account with an application that is over XXXX years old, copy of drivers license and bank card that is over XXXX years old and a copy of a check that was written to me however did not have a date on the check. I called the company to dispute the information they sent to me stating that this was over the statue of limitations to collect. The company hung up on me XXXX times was abusive and harassing, threatened to sue me, and report to my credit and the agent claimed I am lying the debt was received in XX/XX/XXXX however they have nothing showing that information. nothing has been resolved on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was an authorized user on an account. I went ahead and took myself off and disputed this with all XXXX credit reporting agencies. 

XXXX, and XXXX removed this account properly. However equifax keeps saying that this is still my account and it is affecting my credit report and score. This account is my wifes account and it has been updated with payments. However I have disputed this XXXX times with equifax and everytime this comes back as verified however the information has only bee updated since XXXX which is the same time I removed myself as an authorized user. To me this means equifax is not verifying this account properly because this is no longer mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My card has an available balance on it. It is not over limit.   On   XXXX   at  XXXX  I tried to use the card to pay for membership dues and it was declined. I called the credit card company barclays and after being transferred twice finally got someone who understood and spoke clearly. I was told they are having technical difficulties and to try again in a few hours.   On   XXXX   at  XXXX  I again tried to use my card. It was declined.   I called on   XXXX   and again told them my card keeps declining. They told me it would again be resolved in a few hours, and to try the card again in a few hours.   I tried to use the card at   XXXX   and it was declined again.   I called the credit card company and I am now being told they have no time frame for when this issue will be resolved.   I pay a lot in finance charges and annual fees to this company but when I need to use the card, they have " technical difficulties ''.

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 03/26/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit cards have listed balances on Equifax after bankruptcy. Have disputed 3 times and they continue to list balances. My understanding is that balance should be XXXX after bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX missing from account from dates thru XX/XX/XXXX til present chase sent replacement card and basically I 've been denied a right too activate it because of fraudulent identity theft questions that I simply could n't answer because they were '' *this close '' *yet off n a sense on each one therefore the scrutiny was the " Baitnswitch '' fraudulent reasons I was denied! Activation on telephone by XXXX, from 3world country that 's soliciting my social # .this bank when I established this POA account lied n just thru all my $ $ cash n my mothers account, n then began to go to work on my cash n ways n delegation I never drafted consent to, plus allowed transactions n nonmatching '' names in cyberspace ushering '' me to visit the branches filled with racism n by yelling n intimidating me by phone and by refusing to answer to my complaint n writing ' to the cfpb is also revealing they hiding something .plus my proof such as receipts already given to cfpb depicts I may be on to something as proof that " chases '' bank records r altered compromised erroneous, deceptive n basically subversive too good faith '' money management that it purports to give but really do n't at all .some ATM receipts reflecting highly dishonest misleading amounts during these per than what really was inside account causing other dissaray, +/or its chase sending money or allowing transaction to go thru right away and Still later come in get paid twice virtually later is like theft by electrical transfer.XX/XX/XXXX # -XX/XX/XXXX I did n't take XXXX, out.return my XXXX $!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  X/X/2017    an unauthorized credit inquiry was made  by Westlake Services Inc. T his inquiry was not with my consent and they have been uncooperative in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Federal student loan debt) with Delta Management Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL 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 explanation
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with experian and XXXX and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big 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 non-monetary relief
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with Meridian Financial Services, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2017.I requested a copy of the deed for a timeshare.So one supposedly had award or given to me.I don't know anything about a owning a timeshare.Its not my timeshare.Its not my property even through my name is on the deed.I have spoken to XXXX XXXX XXXX who is the Account manager for this account.I have already disputed the account with them XX/XX/2017.They are telling me I have dispute this again.This is a grave violation of the FCRA and the FDPA.They think this is a jokes.I am requesting that they remove this off my credit reports and send this back to XXXX XXXX XXXX for an investigation of Fraud and Forgery.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX receiving payments from XX/XX/XXXX to XX/XX/XXXX.and refuse to tell the consumer me and my spouse who made and authorized the payments made.THIS IS FRAUGHT AGAINST THE CONSUMER .ALSO .XXXX XXXX. on foreclose account XXXX XXXX sold at Sheriff 's Sale for {$100.00} from CitiMortgage to CitiMortgage, and evicted me and my spouse, THEY are now reporting this account as open 1 month late on our credit reports.This account is no longer our responsibility, and we have not be compensated for our $ XXXX XXXX send the payment history for the account # XXXX that they lied and said they provided in their response date XX/XX/XXXX stating that no record of payment of receiving payments from XX/XX/XXXX to XX/XX/XXXX. 
WARRANTY DEED TO OUR LAND..Also this account went into default LAST PAYMENT MADE over 7 years ago evidenced by attached statement of reasoning by Judge XXXX XXXX XXXX filed XX/XX/XXXX with the courts, and should be deleted from our credit reports permanently.

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 02-11-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This complaint is on the credit card practices of Kohl 's department store and the attempts made to report fraudulent activity. On XX/XX/XXXX, I received a notice from Kohl 's department stores ' fraud investigation team regarding an application using my social security number. I contacted the team immediately to report that I had not applied for credit and that the activity was fraudulent. They asked for me to provide personal details such as name, address, last 4 of SSN in order to open a case. I refused to provide that much detail and they suggested as an alternative course of action that i report the activity to the credit bureaus and establish a credit freeze. I ended the call and promptly contacted one of the credit bureaus to report fraudulent activity on my account. They provided a confirmation number and i received messages from all three bureaus noting the fraud alert was in place on XX/XX/. After this time i received an order of pants from Kohl 's and i contacted them again to report that this is fraud and they issued a return merchandise order. The order was picked up by XXXX around the XXXX. 

I just received a bill from Kohl 's with several hundred dollars in charges on this fraudulent acocunt. I called their fraud line again and tried to report this case as fraud, but they insisted on collecting all my personal information. I provided my name, address, and last 4 of the social security number and they insisted on having my email address as well before they would open a fraud ticket. I was very reluctant to provide this personal information in the first place and refused to provide the email address. I requested to speak with the service rep 's supervisor, but she refused to do so without me providing all my information, e.g. email address. I also asked for them to provide me with a mailing address to their president and they refused to provide this information. 

In this day of information security breaches, these company 's should not be asking for my personal information to load into their systems. I am trying to do them a favor and notify them this is a fraudulent account, but they won't take action or open an investigation and cancel the account so they don't incur any additional charges. It is unconscionable that they should be able to operate in this manner and i will take legal action against them if they damage my credit standing after the attempt i've made to remedy this situation. 

I specifically ask for the CFPB to take action against this company and other credit card vendors to establish rules around the information they are able to collect from honest consumers reporting fraudulent activity. The company 's should not be able to gather and retain this information only for their benefit and continue making arbitrary rules to collect even more information from victims of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The emergency room failed to file to my insurance company after repeated attempts to rectify the situation they had all the necessary insurance info and now the credit company is refusing to remove the negative remarks even though they are aware this debt is in accurate

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 12/17/2015 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This was removed before by all the rest of companies but for some reason TransUnion is still reporting it on my credit report

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 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX became NAVIENT, who then put chargeoffs on my credit report. This has brought my credit score below XXXX points. Furthermore, my loans are XXXX times less with out interest before the chargeoffs. So instead of owing $ XXXX, I owe $ XXXX with interest, in default, with chargeoffs. I did n't even get a degree, nor did I have a GPA that merited any type of funding, as, I failed out of school, immediately after I got these loans. Now I finally have the focus to do well in school, and I have even made the Deans list but I can not afford to finish school. I want them to take ff the chargeoffs whether I pay them or not. When XXXX could n't pay, they did a name change not a IRS administered chargeoff on their FEIN. Why should I have a chargeoff on my SSN?

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX XXXX about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was trying to get a lowered rate and payment : My lender will not modify my mortgage and calculated my income incorrectly.

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 01-10-2017 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AARGON is reporting a medical collection on my credit report that they have re-aged in an effort to do damage to my credit and thus force me to pay them when I am in dispute. It is a medical bill that my insurance company was billed and they paid. I do not understand why they feel their is still a balance. I have asked for an itemized accounting of the bill many times but never have received it. They have not validated the debt yet they are reporting it, re-aging it, and it is a duplicate. They are also reporting it under " XXXX '' on my report as opening XX/XX/XXXX. So to summarize they have never attempted to validate this debt despite my disputes, have re-aged and duplicated this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 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: On XX/XX/XXXX I was noticed a charge of {$420.00} on my checking account and it was a debit card charge from Navient. This was very shocking to me because I 'm in school and all my loans are in deferment. I called Navient the next day and I was told that I have on a recurring payment plan and that I had been on the plan since XX/XX/XXXX. I was then told that this plan was not canceled and I would have to pay the {$420.00} but all future payments would be canceled. I told them that his does n't make any sense because I was under the impression and once I 'm in school student loan payments stop. They proceeded to say that they have been attempting to take {$420.00} every month since XX/XX/XXXX but had been decline due to insufficient funds in my checking account. I never got a letter or phone call or email stating this. When I started going to school in XX/XX/XXXX I called Navient to notify them that I would be going to school and they said that nothing on my end had to be done and that the school will notify them and then at that point my loans will go into deferment. They refused to credit me the {$420.00} and I 'm having to go through my bank to file a claim in order to get the {$420.00} back. I 'm very dissatisfied with the disrespect and lack of sympathy this company has for its borrowers.

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. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX XX/XX/XXXX7 2 ) XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by XXXX and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and 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. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No.  XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues

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