milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX has a wrong address on my credit report : XXXX Equifax has a wrong address on my credit report : XXXX My correct address is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There were XXXX hits on my trans union credit report where there should only have been XXXX. It was from XXXX Bank and I have already asked them about it and they said they only requested XXXX report. They requested it on the XX/XX/XXXX and my report shows another on the XX/XX/XXXX. I want it removed.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, Chase and XXXX XXXX was pulled fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In Spring XXXX I contacted Navient to set up a fixed payment amount to be withdrawn via Navient 's XXXX program. Navient has failed to abide by the aforementioned and is withdrawing various amounts monthly. Due to Navient 's WORTHLESS website, I am no longer able to locate the correspondence confirming my request and Navient 's agreement to withdraw the fixed amount. I am beyond fed up with Navient 's " Live Customer Service Representatives '' who have absolutely NO idea what they are talking about, have never provided me with appropriate assistance, and have never fixed an issue which I have contacted them about. Someone needs to do something about this company ... we who initially borrowed from XXXX XXXX are being cheated BIG TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with PNC Bank N.A. (PA).
Issue: APR or interest rate

Complaint: I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 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: This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX. ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my 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 03-01-2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 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: Public record information inaccurate

Complaint: I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Credit reporting () with One Technologies, LP (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX and continues to withdraw money from my checking account even after FTC has sued One Technologies. We have never used these companies and do n't know how they got our personal Info. Case # is above ( XXXX )

Company public response: Company disputes the facts presented in the complaint
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 EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX- Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXXXXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (SC).
Issue: Managing the loan or lease

Complaint: I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2017 about Debt collection (Federal student loan) with AES/PHEAA (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A XXXX XXXX of NCB Management Services is calling my private cell phone number in an attempt to reach a gentleman I work for as an XXXX XXXX. I have told him this is my PRIVATE cell phone and that I am not related to the gentleman he is looking for. He persists in calling 1-2 times per day ( I no longer answer my phone ). This is harassment AS WELL AS improper contact, especially after I have informed him there is no familial relationship and it 's the wrong number, as well as sharing of highly private information insofar as I now know a creditor is trying to collect money from the man I work for. I do not have the right to know this information, nor do I want to. His justification for calling the number is that it was put on the application, which I totally doubt, since its MY personal cell phone number not related to the business. I believe I got the cell number a long time after the account was opened so it 's impossible that number is on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Closing/Cancelling account

Complaint: My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ALLIED INTERSTATE LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ALLIED INTERSTATE LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ALLIED INTERSTATE LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief