milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other fee

Complaint: I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: I have disputed XXXX accounts that SYNBC has been reporting to the credit bureaus and SYNBC violated the law on both accounts as explained in attached letters. 

I am making a goodwill attempt to have this worked out without any monetary compensation. If SYNBC does n't take care of it in to my satisfaction in a timely manner i will sue them in small claims court near me and they will need to pay me for damages.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my personal data and credit information because they could n't be bothered to properly secure their web services. Millions of people were effected by this, and we are all at risk of having our identity stolen and fraud committed in our names. 

The fix Equifax has offered requires the victim to wave their legal rights to litigation. Equiifax deserves  every lawsuit coming to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
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: I have disputed the XXXX/XXXX asking that Experian investigate for fraud but they have still failed to block the negative information from my credit report. As per FCRA credit reporting agencies must block fraudulent information from a consumers credit report within 5 days or receive sanctions. Please remove this derogatory item immediately.

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 08-02-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (VA).
Issue: Managing the loan or lease

Complaint: When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from Equifax to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I noticed that the principal owing is $ a little over a {$1000.00} More than when Greentree was servicing my loan, in addition the late fees are wrong, the dates that the company says amounts were credited is wrong, interest rate appears to be wrong, at 9.925 % the company charges {$19.00} to pay by phone it will not except any amount other than what their website says is due.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Case number : XXXX I submitted a prior complaint, case # above. central finance control ( tenet health ) agreed all items should delete, however they simply relisted a few days later. except now statute is also renewed. its clear on every attempt to talk with them that they have XXXX fear of fdcpa, YOU or any other law or agency. my understanding of current statute is I may recover {$1000.00} per tradeline. I 'm seriously considering this option. id like to give this one more shot first, XXXX XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
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: I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge done on my card by a company called XXXX XXXX XXXX XXXX charged on XXXX/XXXX/XXXX of {$4800.00}. I paid them after their persuasive salesperson made me promises of a very profitable online business. I never made a penny.They kept saying how important their services were that they would do the marketing and advertising of my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.

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 04-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My federal student loans are serviced through Navient. Every year I have to renew my income-based repayment plan, as my payment would otherwise be almost half my monthly income. Every year I submit this on time. Last year, I paid Navient twice at the full amount while they were processing the plan because my loans were on auto-pay. This year, I submitted the plan XXXX XXXX, and Navient has been " slow to process requests due to an unexpected increase in the volume of claims. '' Tonight I again received a full bill for XXXX XXXX. Navient has been sitting on my income-based plan for more than a month. I fail to see how they are still experiencing an unexpected increase when they said the same thing to me last year. Their " responsive '' ( no joke, it actually has that in quotes on the top of the page ) website does n't even have good documentation of the status of my request, though they did send me an email confirming that they had received it which I am keeping in case things go the way they did last year. It 's ludicrous that something that should be so easy ( other loan providers for my wife already got back to her about her plan ) is always so difficult with Navient, generally to my detriment through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: On XX/XX/XXXX I called Equifax and told them to remove hard inquires on my credit report because I did not authorize the hard inquiries. Equifax replied to me by mail dated XX/XX/XXXX and told me they will not delete the inquiries because they are verified as accurate. XX/XX/2018, I sent Equifax an inquiry removal letter, because I have hard inquiries on my credit report that I did not authorize. I received a reply letter from Equifax dated XX/XX/XXXX stating that they will not remove the inquiries because they are verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. XXXX needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

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 02/20/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I sent a email to the XXXX website trying to get my loans back into administrative forbearance again. They didn't renew. I sent a couple emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting to extend my administrative forbearance again. No response My DTR is valid, should be processed in a timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Regarding former Complaint XXXX, Hunter Warfield claims to have no records of my phone calls or communication between myself and XXXX XXXX in the Consumer Resolution Department, but in their answer they advised me to contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department. This sounds contradictory and doesnt make any sense. You want me to call XXXX XXXX and go through the entire process again? Since my previous efforts and attempts have gone unresolved, pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I  request that Hunter Warfield provide the certified documents that were reviewed to conclude the accuracy of the information they are reporting to the credit bureaus and to provide me a complete copy of all the information that was furnished to them by the original creditor XXXX  that they are claiming to be trying to collect a debt on behalf of. If you do not comply I intend to commence a lawsuit against you for damages and equitable relief due to non- compliance with the FCRA Section 611. I will also be aggressively pursuing the full judgment that I can get against Hunter Warfield for violation of the Fair Credit Reporting Act and defamation. I have fully investigated my rights in this matter. The foregoing is not intended to be a complete recitation of all applicable law and/or facts, and shall not be deemed to constitute a waiver or relinquishment of any of my rights or remedies, whether legal or equitable, all of which are hereby expressly reserved, including my right to all available remedies against Hunter Warfield, including but not limited to the recovery of costs and attorneys fees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I originally owed a debt to XXXX XXXX, their credit card. I had difficulty due to the economy. I had been working with XXXX debt co but they sold my debt. Ultimately the debt was purchased be XXXX. They began garnishment without allowing me to resolve my debt. I sent them a money order for the full amount. I had to call back but they sent me a letter that the debt had in fact has XXXX satisfied. Then I 've received XXXX with what appears further court action. They are XXXX. After a XXXX search I discovered they allXXXX have been sued for their practices as they were or are in business together. After I read the suits and that you have won a suit against them all, I decided to make you aware that they are still at in in XXXX and XXXX 2016. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A background check done by First Advantage lists a XXXX conviction I never got. I had been given a misdemeanor and only a misdemeanor. Not XXXX as listed. Reference # XXXX is incorrect and needs to be deleted. Reference # XXXX is the correct charge I received that day. Please correct immediately. County court XXXX in XXXX XXXX Tx is records.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Account opening, closing, or management

Complaint: Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.

Company response to consumer: Closed with explanation