milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was never late with XXXX XXXX and XXXX XXXX reported me late for XXXX and XXXX of 2017. XXXX XXXX also reported me to my credit report agency as late. Again best of my knowledge I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dont know where this debt is from, my father has the same name??

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

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 11/20/2015 about Credit card () with BB&T CORPORATION (VA).
Issue: Credit card protection / Debt protection

Complaint: I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. 
I am concerned this might be a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have discovered several accounts that did not belong to me and I would like them removed from my 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 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: RE : Case ID XXXX business account is with Bank of America. The account was overdrawn by {$1.00} and there was a check deposited that had not cashed yet so I was charged a {$75.00} fee. I requested they review my business account since this was the first time this event happened. I spoke with XXXX XXXX on XXXX/XXXX/15 in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX branch and he assured me it would be no problem and he would have to review the account. When I checked my account a few days later the {$75.00} fee was nit returned. I went back in on XXXX/XXXX/15 and Spoke to XXXX XXXX and he stated that he could not do anything about it. I asked to speak to a manager and was told that they were not on the premises. This issue was not resolved and I do n't feel I given the right courtesy for a business client. THIS IS HOW GRATEFUL AND LOYAL BANK OF AMERICA ARE T THEIR BUSINESS CLIENTS. I will NEVER bank with Bank Of America again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with Data Check of America LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Datacheckofamerica.com has made repeated calls to my phone. About 7 or 8 calls per day. When I answer, they say it 's on a check I wrote back in the 1990 's, a debt that may be close to 20 years old. However, they can not provide me the verification of debt nor any other relevant information except the credit union I banked with at the time. Furthermore, the recording says they are issuing a wage garnishment if I do not pay something even though they have not provided me with any information or any verification of debt and even though according to them it 's a very old debt.

Company response to consumer: Untimely response
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Other bank product/service) with FIRSTBANK (CO).
Issue: Account opening, closing, or management

Complaint: We had recently discovered we were losing {$5.00} per month with from an unexplained, and undisclosed new fee that arrived without warning or notice. After further investigation, we then discovered that we have been billed $ XXXX monthly for a " fee for less than XXXX bill pays ''. This has apparently going back at least a year from XX/XX/XXXX, and possibly longer, likely beginning around the time we moved to a different city in XX/XX/XXXX. Yes, that 's a a fee for LESS bill pays. In summary, we were billed at least 12 times for a service, for an amount that exceeds the actual value of the service, for using the service LESS than an arbitrary amount of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called XXXX/XXXX XXXX to make some type of payment. I was told buy several collections workers that once I start making payments, my status will change and will not continue reporting FP ( Failed to Pay ). well I looked at my credit report today and for the month of XX/XX/2018 my status is showing FP ( Failed to Pay ). I am highly XXXX and upset because i was told one thing and the company is doing another. That status is really hindering my score from me becoming great. I need this resolved with the correct status or delete this account from my report if your not going to get it right. I needed this validated and I never received anything but a bill. I know this is not the correct way for them to do things so i really need this resolved quickly please.

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 05/23/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wages were garnished. I called XXXX XXXX XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them XXXX XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and XXXX duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is against  Exquifax  and  XXXX    XXXX   XXXX  .     I settled all debt that i had with  XXXX   XXXX   XXXX  back in the beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle  XXXX  account with the collection agency.  XXXX  of those accounts that i settled was for  XXXX  dollars. It was removed from my  XXXX  report but not my equifax report. I filed a dispute once i saw that it had not fell off of my equifax report. Today when i checked my credit report again, it is still there. So i called  XXXX   XXXX   XXXX  today and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all  XXXX  credit agencies on  XX/XX/2017   , and that i need to call equifax to have them remove it. So i called equifax and they told me that  XXXX   XXXX  had never report that the account was settled on  XX/XX/2017   , the also said that the last time   XXXX   XXXX   reported was on  XX/XX/2017   . I let them now that i have my bank statement proving that i paid off my debt   XXXX   XXXX    and they said it did n't matter. They also said that i had to call   XXXX   XXXX   back because they are the only one who can take it off my credit report. I called  XXXX    XXXX   back after my frustrating conversation with equifax and told them what equifax said and they told me again that they had reported it on  XX/XX/2017   . They also told me to call equifax back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to equifax they should remove it from my account. I requested that  XXXX   XXXX  send me a settlement letter stating that the accounts were settled and reported to equifax. I settled this account going on 2 months ago and it is still on my account, negatively affecting my credit score. it is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has raised my interest rate without consent on various occasions and has not satisfactorily responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. 
Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. 
any proof, but still

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.

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 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For Experian. Please note case number XXXX on file for XXXX. 
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation