milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Debt collection (Private student loan debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Last year  XXXX   XXXX   XXXX  filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday  XXXX / XXXX / 17  that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

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 10-05-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Despite me having clear communication with them on my financial situation I am being called at least twice a day daily by navient student loans. I 've advised them that I feel harassed and that my financial situation will not change within 24 hours and they tell me until I pay them their money they will keep calling me as much as they want

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

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 06/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My bank does not ever timely send my account and balance information to  XXXX , and this has been happening since I started using this app in ( approximately  )   XXXX  of last year. The margin between I was instructed to take action either by notifying my bank myself or filing a complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency.

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 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today, the morning of XXXX XXXX, XXXX I received a credit monitoring alert via Experian that a new collection has now hit my credit file. Upon reviewing this incident, I noticed that this is yet again another account that was apparently fraudulently opened in my name sometime in XX/XX/XXXX. The creditor is XXXX XXXX XXXX to which I have never had any type of account with them. I have been a XXXX customer since XX/XX/XXXX, had only XXXX number throughout the past decade. It is my intent to contact XXXX XXXX XXXX tomorrow morning, XXXX XXXX, when their Fraud department is in the office and also dispute this directly with them accordingly. The following information is what is currently reporting on my credit file : XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCT : XXXX Open Date : XXXX XXXX, XXXX Balance : {$6500.00} I am also concerned that this account is reporting a different name/ address and any contact info other than my own. The only name that should be reporting on my credit file is : XXXX XXXX XXXX or maybe some an abbreviation of my middle name to XXXX. 

**Also, upon now reviewing a recent file # ( XXXX ) to look up this information online more accurately, it does appear that the name and address associated with this account is indeed not mine. Please dispute this information as FRAUD accordingly and have it removed as quickly as possible according to the FCRA. Thank you kindly for all of your help up to this point. I can honestly say that in my dealings with Experian over the past few months, I am certainly appreciative and humbled by your expedited help and professionalism you have exhibited to me through out this horrible ordeal. Thank you kindly and I look forward to this being resolved as well. 

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 05-09-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on 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 explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Chase Bank refused to add my spouse to my checking account with proper identification because the ID presented on two visits did not meet their standard of " legal and proper. '' All IDs presented are legally permitted ; temporary DL issued by Florida, XXXX XXXX credit card, valid XXXX Passport, Temporary work authorization issued by US Immigration, Social Security Card. None were accepted. On a second occasion, when planning a trip to XXXX with my spouse, the bank refused to put a travel notification on my debit card because they consider XXXX at risk for financial crimes. I have come to the conclusion that they are discriminating against us based on his country of birth and origin. All complaints to the company have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with J J Marshall & Associates, Inc (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My account shows XXXX accounts from XXXX separate amounts with a credit union that I had no prior business with and a medical bill that was paid 5 years ago. I 've tried to gain access to XXXX and the qualifying questions do n't match with the information that I have to continue with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (OR).
Issue: Credit card protection / Debt protection

Complaint: I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from 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 non-monetary relief
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: This company is a scam, I knew I should have never trusted them but they talk a good talk and took my money and did nothing. I paid them over {$3200.00} because they had promised me they will be able to save my house. I told them that I was already denied a loan modification but they insist their program is different and they get complaints open with government officials to force my lender to agree to reinstate my loan and restructure the loan to a more affordable term, which was a lie. After that fail even tried to tell me to file for bankruptcy and referred me to some lady name XXXX who advised me to file chapter 13 but could n't because I had filed too many times already so I do not understand why they would take my money and offer to file bankruptcy for me, that is not what they advertise. I almost lost my house because of them. I tried asking them for my money back in XX/XX/2016 and they took more than 4 months just to offer me a refund of {$320.00}??? All they did was file a complaint which I could have done myself, this a complete scam. I do not believe it is worth {$3000.00} to file a complaint to help me secure a loan modification. They are nothing but scam artists and they need to be stopped. According to the FTC MARS rules, it is illegal for them to collect my fees upfront but they claim they do not have to follow that law. I just want my money back since they did nothing they had promised. I refused to accept their offer to just return only {$320.00} out of the {$3200.00} I had paid them not to mention additional out of pocket expense of {$120.00} to use their notary service. So total I paid for help through them is {$3300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Managing the loan or lease

Complaint: My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 10/27/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Application processing delay

Complaint: My issue is that I as far as I know, I have an account with Walmart/Sychrony. I was approved for the card. I called to get some information on the card and suddenly they could n't find my account and now that results as a hard inquiry. My issue is that either the account is open or they remove the inquiry off of my report. I tried calling their underwriting department several times including speaking with a manager and nothing has been done. Plus they have outsourced their calls, so I can not speak with anyone truly.

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 05-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction problem

Complaint: On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.

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 06-01-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This complaint is against Equifax. The other XXXX agencies removed these withdrawn tax liens last year. I have called and fax and mailed document and today was my final straw. I spoke to XXXX in the Customer Complaint area and he look at the documents that I sent from the IRS and he still would not withdraw them from my account. I spoke to my local county tax department where they was filed and they are showing withdrawn.. 

I lost my chance securing some credit I needed because of this lien. ( I also have that letter ) I do n't have enough money to hire a lawyer so I am hoping that you will help me. He told me it up to me to supply them whatever they wanted and I told him with my dispute they should verify with the county and IRS but he refused. 

I have names, dates and documents to support my claim. 

You are my last resort. They are not treating me fair and their holding my credit score hostage in the meantime. Equifax 's credit score is at least XXXX points lower than the other XXXX reporting agencies. 

PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax phone room people are unable to deal with complex issues

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.

Company response to consumer: Closed with explanation